Life Insurance Planning ServicesLife Insurance Planning | Manasquan Wall NJ

Harbor Lights Financial Group’s offer its’ clients Life Insurance Planning services with a commitment for the sound advice and strategy necessary. And because we have no obligation to sell any specific financial or insurance product, you can trust that we will only recommend those best-suited investments to our client. Harbor Lights Financial Group offices are in Manasquan, NJ, a borough formed from portions of Wall, NJ.

What is Life Insurance Planning?

The question we often ask about life insurance is, “how much do I need?” But, it isn’t necessarily “how much life insurance” so much as it is “how much money will remaining family members need after we’re gone?” Harbor Lights Financial Group can help to make the correct assessment, as well as the important insurance planning decisions necessary to protect loved ones. Asking the right questions, and evaluating the answers in a way that ultimately serves a client’s goal – this is Life Insurance Planning!

Some costs that might need careful consideration include the following:

– Burial: While a smaller part of an overall life insurance plan, it should be considered. To be cremated, for instance, is less than having a full burial. The average funeral with a burial can be $10,000 or more, so it’s a necessary item to plan for!

– Age-related: When one is 32 with two young kids and a mortgage, the immediate life insurance plan should be for a larger insurance policy. As opposed to planning at age 50 with kids off making their own living and a mortgage debt near to, if not completely, paid down.

– Debt-related: As per the above, where does the mortgage stand? What debts are required to be paid by the estate at the time of death, and what are not? A mortgage might have to be paid by the estate, whereas a college loan might not have any such requirement.

– Family: How many kids? How old are they, and what do you intend to leave them are certainly life insurance planning questions. Is there a plan to fund college for the kids? What about funding college for the next generation of grandkids? What does your spouse need to maintain the lifestyle you left her with?

And who knows, maybe a life insurance plan that adapts to evolving financial circumstances is in order. Financial situations are unique; there is a lot to consider, and we can certainly help to plan for all of them.

Why Harbor Lights Financial Group For Life Insurance Planning?

In the early 1990s, Harbor Lights Financial Group was founded to offer strategies for our client’s most demanding life problems through sound financial advice and care. We offer our experience to local Manasquan, Wall, and surrounding NJ community investors. Services may include wealth managementretirement planning, estate planning, philanthropic planning, executive planning, business exit planning or planning for business executives, and much more!

We are also a team of advisors and CERTIFIED FINANCIAL PLANNERS™ (see below) ­— professionals who help people like you with customized strategies designed to enhance and/or preserve your assets for retirement. We work to realize your financial goals, empowering you to enjoy the freedom that brings.

Robert Tendler, Managing Partner – CFP® CLU
Jonathan Shippee, Senior Wealth Advisor – MBA CFP®
Douglas Lockwood, Managing Partner – CFP®
David Scureman, Partner – MBA CFP®
Kenneth Roberts, Managing Partner – CFP®


If you have any questions, please get in touch with Us Today!