88 Park Street, Unit 3A Montclair, NJ 07042

msnipes@valoragent.com

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Thousands

Of HAPPY CUSTOMERS

Multiple

plans to choose from

Best

Options

Peace of Mind May Cost a Lot Less Than You Think

With the proper life insurance coverage, you can protect your family's future. Don't leave the future of your loved ones to chance. Having the right life insurance is pivotal in planning for the future of you and your loved ones. When you pass away, life insurance can assist you to keep promises you made to your family.

Life Changes & Your Policy Should Too!

The right life insurance policy is unique to you and dependent on your financial and personal needs. There are no one-size-fits-all policies. As your life evolves, your life insurance coverage may also need to change in order to reflect your life's current needs.

  • You recently got married or divorced
  • You became a parent or grandparent
  • You started or expanded a business
  • Your health or spouse's health has deteriorated
  • You recently purchased a new home
  • You are moving
  • A dependent requires assistance/long-term care
  • You're providing financial assistance to a parent
  • You are concerned about retirement income
  • You recently refinanced your home mortgage
  • You or your spouse recently received an inheritance
  • You have a sizable estate

why work with us?

Competitive Pricing

I work hard to find the very best rate through the many carriers I represent.

Multiple Carriers

I represent many different carriers, so you always have choices,

Local Agent

Having a local agent can help you make other choices, like finding the best mechanic.

Help With Claims

I walk my clients through the claims process to make it as stress free as possible.

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