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Individual Life Insurance

Peace of Mind for you and your Loved Ones

A.J. Gambardella Associates, LLC provides life insurance to individuals in Stratford, Bridgeport, New Haven, Fairfield, Westport, Waterbury, and surrounding areas.

Individual Life Insurance

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At A.J. Gambardella Associates, LLC, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the peace of mind you deserve. 

Types of Individual Life Insurance

A.J. Gambardella Associates, LLC offers several different coverage options for your consideration: term life, whole life, universal life, and variable life insurance.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It is a benefit policy that is used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life, variable life, or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.?

Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of the policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Universal Life – Universal life policies are designed to be more flexible than other permanent Life Insurance. You are still guaranteed a death benefit for the duration of the policy as well as savings that accumulate cash value, but the flexibility of a Universal Life plan allows you to change certain aspects of your plan to accommodate life changes. 

Depending on your options, you have the flexibility to change the overall value of the death benefit as well as the time and amount in which you pay your premium. This gives you the option to focus on building your policy’s cash value, or pay a lower premium and focus on guaranteed protection. It is important to note that changes to your universal life policy can affect its guarantees and limits.

Variable Universal Life - With a variable universal life (VUL) Insurance policy, you get the same flexible benefits of Universal Life while being able to take advantage of potential economic growth in the stock market. Instead of creating a cash value for savings, the value of your VUL policy is invested in professionally managed funds that reflect the performance of the stock market. This also means that as the policy owner, you assume the risk and responsibility of monitoring your own investments.

A.J. Gambardella Associates, LLC is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That is why it is important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with A.J. Gambardella Associates, LLC will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

 

Our Location

A.J. Gambardella Associates, LLC

2505 Main St
Stratford, CT 06615
Main office: 203-721-6559
Toll free: 800-479-5614

Our Providers

Testimonials

Chris Garmbardella and his associates are wonderful! They are very responsive whenever I have a question or need to update or change a policy. They always try to reduce my rates whenever they can and always keep in contact about new products that may suit my needs. I can't say enough about their customer service so please give them a call for your insurance needs...you won't regret it!!!
TaraO From Fairfield, CT
I recently signed up with Nationwide through AJ Gambardella. They agent made the process so easy. She handled everything, including cancelling my old policy. Shortly there after I had a claim; I called my agent and she handled everything. I would recommend AJ Gambardella Associates to everyone! They have professional and knowledgeable staff.
JohnD28 From Milford, CT
The Gambardella did a great job with our life insurance needs. We were able to get the coverage that we needed at an affordable premium. Chris took time to explain the different types of policies and performed a needs analysis to make sure we have the right protection. Great experience
DannyMistr From Stamford, CT
I have had Nationwide insurance for years and never really needed help until recently. The agency did everything they could to assist me with my recent claim.
DenisS From Northford, CT
I have been doing business with Chris and this agency for over 12 years and I am never disappointed. They continue to provide exceptional service, prompt responses, a pleasant attitude and I feel that they always have my best interest at heart. The rates on my auto insurance have always been very good and I get a great value with them.
JeffD From North Haven, CT
I was doing some comparison shopping and came in contact with Agent Gene P. I was immediately impressed by his knowledge of the industry, and his ability to relay things to me in understandable terms. Gene took care of everything during the transfer - I did not make a single call to anyone! Not only that, but Gene got me MORE coverage at a LOWER price than I was paying before! If I had known it were that easy to switch, I would've done it a long time ago!
Lano243 From Cheshire, CT
I had the opportunity to work with agent Gene Pendake. What I remember most is his upbeat and enthusiastic attitude. Not only was he knowledgeable and professional but he was completely open and honest with me. He sought to provide me with an appropriate policy based on my needs and informed me of certain options that I didn’t even know were available. I would completely recommend that anyone out there looking for an honest, dependable agent, call Gene Pendake.
Anonymous From North Branford, CT
The Gambardella agency has gone above and beyond to provide exceptional service!!
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