Products / Services: See numbers 1-6 under red links below

for detailed information on products!

Telephonic or 'in person' service is available - 908 410 6970.

You may also -

Click on links below to APPLY ONLINE for:

Life Insurance with ETHOS LIFE - NO EXAM required for permanent or temporary coverage -

- Permanent: death benefit $5000 - $100,000 - OR -

- Temporary (term): death benefit $100,000 - $2,000,000

[Upper limit varies with age; max upper limits are shown above.]

https://agents.ethoslife.com/invite/d643

Medicare Advantage with AETNA - ALSO...

Medicare Supplement, Drug Plans, and

Dental / Vision / Hearing:

https://app.thinkagent.com/ext?repid=1710161

Products / Services

(12 companies represented)

1 ---- Medicare Products (Medicare Part C and Medicare Supplement)

Medicare Advantage and Prescription Drug (NO premium to LOW premium plans)

--- CAP your per year COSTS for:

covered medical expenses (MUST cover all that MEDICARE A & B cover)

covered prescriptions

Medicare Supplement

--- Fill in gaps in Medicare Coverage

2 ---- Final Expense / Burial Insurance (Guaranteed or Simplified issue)

- Ages 0 - 89 may be put in for coverage

- Once policy is issued, coverage is for LIFE. (i.e., never expires).

- Permanent (i.e., lifetime) coverage to cover burial costs, etc..

TWO types of Final Expense products -

- GUARANTEED ISSUE (GI) products for persons with SEVERE health conditions

[AIDS, Cancer, etc.] available -

NO HEALTH QUESTIONS on application!

Must be Ages 45 - 80 for GI product!

- SIMPLIFIED / EASY ISSUE products for people of MODERATE to VERY GOOD

health available -

These INCLUDE health questions on the application, and hence have lower rates

than the policies referred to above.

Must be ages 15 days to 89 for Simplified / Easy Issue products

- NO EXAM required for ANY final expense / burial coverage.

- COST never goes UP, and BENEFIT never goes DOWN.

(In certain cases, benefit actually increases.)

- FAST approval / issue of policy (can be minutes, when done

electronically; or, 5 - 10 days otherwise).

3 ---- 'General' Life Insurance - Simplified and fully underwritten

- term, universal, and whole life.

- persons 0 - 80 years old may apply.

- family coverage available.

- coverage may or may not require exam;

exams free, if needed. (Also, exam results available free as well, if desired.)

4 ---- Mortgage Protection

- term and universal life coverage

[to cover mortgage in event of death].

- personal disability to protect income if sick or

injured.

- coverage may or may not require exam;

exams are FREE to you, if needed. (Exam results available FREE as well if desired.)

Note: If you wish, you may APPLY ONLINE for both:

TERM Life (i.e., temporary life coverage) and

WHOLE LIFE (permanent coverage):

Go to link below - (copy / paste link into browser):

https://agents.ethoslife.com/invite/d643

Term life: Ages 18 - 69 may apply.

Whole life: Ages 18 - 85 may apply.

For ALL life coverage described in topic sections 2 - 4 above, i.e. -

Final Expense

'General' Life Insurance

Mortgage Protection;

you can ALWAYS contact me through page 3 of this site (CONTACT ME), as well.

The ONLINE enrollment link above is just for your convenience.

(Further, I have products NOT at those links that allow still higher

ages to apply for coverage.

Whole life: up to and including age 89 may apply

Term life: up to and including age 75 may apply

Universal life: up to and including age 85 may apply

So, if you are older than the ages specified under the links, just

call me!)

5 --- Individual / Personal Disability Coverage

- receive monthly income if you cannot work due to illness or injury.

- must be employed and working to apply for this product.

6 ---- Payroll Deduction insurance products for your company

- NO COST to employer.

- life / disability / critical illness coverage.

- employees participate voluntarily, through

payroll deduction.

Life / Health Companies Represented

Medicare Products (Individual):

Multiple Companies

Life Products (Individual):

Mutual of Omaha (d/b/a United of Omaha in NJ).

AETNA (via subsidiary ASCENDO Life),

AIG (i.e., American General Life - now COREBRIDGE FINANCIAL),

Ethos Life,

Gerber Life,

United Home Life,

Guarantee Trust Life,

Occidental Life, and

TransAmerica Life.

Group PAYROLL DEDUCTION insurance:

UNUM

Hablo Español

(Please also see the "About Me" and "Contact Me" links above.)

James Wm. Harris III

Products / Services: See numbers 1-6 under red links below