Insuring a Bright Future life insurance in Hasbrouck Heights insurance quot

Insurance plans for peace-of-mind, in all your endeavors!

My Blog

About Us


Protecting Families

We have years of insurance experience helping clients prepare for the unknown. Ask us about:
Burial Insurance
Whole Life  
Universal Life
Term Life

We can access many different insurance products so you can get the right one for you life insurance in Lodi life insurance in Garfield life insurance in Hasbrouck Heights insurance quotes annuity cheap insurance


Assessing Need

Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly. Call us today, and we'll analyze your insurance needs and get you covered quickly at the right price.


Building Relationships

Everyone has different insurance needs. Call us today for a personalized business or individual assessment and find out how we can help protect your hard-won assets.

Our Mission to Make a Difference in Families Lives


Whole Life


Help Lift the Burden of Final Expenses from Your Loved Ones with a
Guaranteed Life Plan According to a recent survey, the average cost of  an adult funeral is over
$7,000 This estimate does not include expenses such as flowers, obituary notices, cemetery 

plots or grave markers. If  you take into consideration these “extra” expenses, the cost can rise
dramatically – and, if  you qualify, Social Security only provides a one-time death payment
of  $255 If  the unexpected occurs, your family could also be faced with a funeral bill and
other expenses that they may find it difficult to pay – at a time when they are suffering most
from grief  and loss.With the budget-minded Guaranteed Life Insurance policy, you can have the
peace of  mind that comes from knowing you’ve planned ahead to ease the burden of  final expenses. The plan provides up to $25,000 to help pay: 


* Medical bills
• Leftover debts
• Funeral costs

Regardless of Your Health... You Can’t Be Turned Down If  you are a US citizen or permanent legal resident between the ages of  50 and 80, you can choose from $5,000 to $25,000 in guaranteed life insurance from Plus, under current federal law, the Guaranteed Life policy death benefit is
not subject to federal income tax when paid to a named beneficiary.The application process is simple and easy. No medical exam is required and there are no health questions to
answer. Your acceptance–regardless of  your health–is guaranteed. Plus your spouse (if  aged 50 to 80) can get up to $25,000in guaranteed benefit protection, too.Premiums that Never I

ncrease Once you select the amount you need, your budget-friendly premiums are guaranteed to never increase for as long as you hold the policy. Even if  the cost of  living keeps rising, you can be confident knowing that you’ll be paying the same premium rate, 10, 20 and even 30 years 

from now.Graded Death Benefits for the First Two Years guarantee to accept applicants age
50 to 80 is made possible by a two year graded death benefit limitation. 

If  death occurs within the first two policy years for any reason other than an accident, all premiums shall be paid to the beneficiary, plus an additional 10% of  earned premium. Earned premium refers to the portion of  paid premium that has been applied to the policy. For example, if  an annual premium payment is made, six months into the policy year, half  of  the total premium is considered earned. If  death is due to accidental causes, the full death benefit will be paid. After the two-year Graded Death Benefit period, if  the insured dies for any reason

the full face amount of the policy shall be paid to the beneficiary especially for budget minded families. It is our mission to be the Company parents trust to help them achieve financial security and insurance protection for their families.

•    quality and trust
•    Not FDIC Insured | Not Bank Guaranteed | Not a Deposit or Other Bank Obligation



Many individuals have a short term need for life insurance. Those that desire short term life insurance 

protection at a minimal cost can consider an Annual Renewable Term (ART) policy. 

An ART policy is considered a one year policy that automatically renews at the end of each year. The 

premiums are guaranteed for the first 10 years; however the annual premiums will increase each year 

because of your age. Over a 10 year period, the premiums paid are designed to be comparable to the 

premiums paid for a 10 year level premium term policy. 

If you no longer need insurance, you can choose to terminate the policy or, if your insurance needs 

change, there are options available that allow you to convert the ART policy to a level premium term 

policy or permanent policy. Other than conversions, you cannot make any changes to an ART policy


When the need for protection is at least ten years, a level premium term life policy may be the right fit. 

This option can be a good choice when you are looking for pure protection at a minimized cost.

Level Premium Term means that, for a set term period, your premiums will remain the same. You are able to choose the face amount of the policy and the length of the term that meets your insurance needs. At the end of your selected level term period, the policy will renew each year with the coverage ending at age 95. The premiums after the level term period will increase annually due to your current age and economic conditions.Term offers level premium term periods of 10, 15, 20, and 30 years.If your insurance needs change after a level term policy has been purchased, there are options available that allow you to convert the policy to a permanent policy. 


Universal Life

Your Story Plan

Building the Core of Your Financial Plan
No single plan will work for everyone. There are different solutions
to help protect against possible financial loss and insure we meet our
anticipated financial needs. Some of those solutions may be short
term, and some solutions may continue for the rest of our lives.
A permanent life insurance policy can be a cornerstone in a financial
plan that connects you to both protection against future loss and
accumulation for future needs.When considering life insurance as one element of our financial
plans, we should keep in mind the unique tax advantage of life
insurance, which generally pays a tax-free death benefit directly to
the named beneficiary.  We should then consider how the available
features and benefits of a particular policy complement our own unique life goals.


The Executive Universal Life Series offers flexible premium choices. You may choose
to pay a minimum premium, the Safety Net Guarantee premium, in the first policy
year, and then increase premium payments in later years. You may prefer to build
additional accumulation value within your policy with a series of scheduled payments.
Your premiums can range from the minimum premium to the maximum premium
allowed by law for the amount of death benefit coverage selected.
The premiums you pay, for the death benefit you select, will determine how long your
coverage will remain in force and the accumulation value within your policy.

Safety Net Guarantee 

Your policy is guaranteed not to lapse during the first ten years if you make premium
payments that meet or exceed the amount of the Safety Net Guarantee Premium
Requirement. The Safety Net Guarantee Premium is an amount established when your
policy is issued. In determining if the Safety Net Guarantee Premium requirement has
been satisfied, any partial withdrawal or debt against the policy will be deducted
from the premiums paid to date.


Sign up to hear about insurance news.

Contact Us

Send Message

Contact Us for a Free Quote

Farinas Group

Hasbrouck Heights, New Jersey 07604, United States LIC#NJ1556540



Monday - Friday: 9am - 6pm

Saturday: 10am - 2pm

Sunday: Closed