If you can’t find an answer to your question below, go to our Contact Us page to quickly reach us by phone, fax or email.
Where are you headquartered?
Garden State Life Insurance Company is located in League City, Texas. Click
here for a map.
How long has Garden State Life been in business?
We've been providing affordably priced life insurance and outstanding service to thousands of American families for over 50 years now.
Can I buy your life insurance online?
Absolutely! Why wait for what you know you need right now?
, get approval, and even pay for your policy online so it starts protecting your family immediately.
Can I feel secure in giving you personal information online?
We use the information you provide only to process your request and do not share this information with outside parties. For more information, see our
Security & Privacy Policy.
How can I pay for my coverage?
There are a wide variety of options available – all to make it as convenient as possible. Pay monthly premiums with your MasterCard®, Visa® or Discover® credit card or Paypal®. You can also have premium payments automatically deducted from your bank account. If you like, you can pay your premiums by mail on a monthly (only if your monthly premium is $15 and over), quarterly, semiannual or annual basis.
How much information do I need to provide you in order to apply?
There's no medical exam to take to get your coverage. Acceptance is usually based on the few simple "yes" or "no" health questions on your online application.
What’s the difference between term life and whole life insurance?
The main difference between the two is the length of time for which coverage is provided and whether the policy builds cash value (the amount of money available to you during your lifetime). Garden State Life offers both types of insurance, and you can apply for and buy it online with no medical exam necessary. If approved after you complete your online application, you can have your new life insurance protection put in force immediately.
What is term life insurance?
Term life insurance provides a death benefit for a specified period of time. At the end of that term, if you do not renew, the policy terminates. It gives you the most protection for your dollar because it has no investment or cash values to increase your cost. That's why so many financial experts recommend it.
Is term life insurance for me?
Many financial experts recommend term life as the best value for anyone needing a large amount of life insurance for a period of time (that’s why the word “term” is used to describe it) at the lowest possible cost. The benefit amount is high and the monthly premiums are low because there are no investment or refunding of payments when the policy expires.
What is whole life insurance?
Whole life insurance provides protection for as long as you live (and of course, for as long as you continue to pay the premiums). Unlike term life insurance, it has no specified period coverage time. The premiums generally remain level for the entire period. Another important aspect of whole life insurance is the cash values that accumulate on a tax-deferred basis. The accumulated cash value can be borrowed against and used any way you see fit.
Is whole life insurance for me?
Whole life insurance will provide your family with the permanent and affordable protection they'll need to pay your last expenses. Those last expenses typically include such things as funeral costs, unpaid medical charges, remaining credit card bills and other financial obligations.
Does the life insurance coverage Garden State provides have any limitations?
• For Colorado, Missouri and North Dakota residents: The policy pays 100% for death from any cause starting the very first day it’s in force, except for suicide in the first year. For residents of all other states: The policy pays 100% for death from any cause starting the very first day its in force, except for suicide in the first two years.
• Once accepted, Garden State Life will issue your life insurance policy and mail it to you for your review. For California, Maine, New York and Wisconsin residents: You’ll have a full 30 days to review your policy before deciding to keep it. For South Carolina residents: You’ll have 31 days to review your policy before deciding to keep it. For residents of all other states: You’ll have 20 days to review your policy before deciding to keep it.
• The life insurance policy will be incontestable after it has been in force during the insured’s lifetime for two years from Policy Date, except for nonpayment of premiums.
• If the insured’s age or sex has been misstated, we will pay the amount of insurance that the premiums paid would have purchased had the insured’s age and sex been correctly stated.
I've had some health problems. Can I still get life insurance coverage?
You don't have to be in perfect health to apply for life insurance from Garden State Life. No medical exam is required - just your answers to a few simple health questions are all that's usually needed. The best approach is to go ahead and apply.
What is the Automatic Premium Loan Provision?
By saying "Yes" to this option, you will be protected from having your whole life insurance policy cancelled because you didn't pay a premium on time. The premium will be paid for you, automatically, by a loan against the cash value built up in your policy – if you have enough cash value built up by then to cover the loan.
