Garden State Life Insurance Company
Garden State Medicare Supplement Plans
Founded in New Jersey in 1956, Garden State Life Insurance Company is a small but reputable provider of insurance products for people all across New York. Today, Garden State is a subsidiary of American National Insurance, allowing them to offer more products and options than ever before.
Garden State’s popular term life insurance plans, QuickGard and CashGard, can provide valuable, term-based coverage for individuals up to 80 years old.
And new in 2020, Garden State also offers a number of Medicare Supplement products. Unlike their life insurance plans, Garden State Medicare Supplement is available to residents of 19 different states, not just those who live in New York.
Medicare Supplement plans with Garden State
Medicare Supplement plans, or simply “Medigap”, make it possible to cover the sometimes-tremendous costs of health care … the costs that Original Medicare doesn’t cover.
These privately-owned insurance plans can be used to pay for out-of-pocket expenses like copayments and deductibles. Medigap can also be used to pay for services, treatments, and products not covered by Medicare, like vision, dental, and prescription drug coverage.
Garden State offers Medigap plans to residents of CA, CO, DE, ID, IL, KS, KY, LA, MD, MI, MO, NC, OK, OR, PA, SD, TN, TX, or WI. Standard plan options include A, F, G, N, and M, as well as high-deductible options.
Your Personal Benefits Manager can help you choose the right plan for your needs.
Garden State Life Insurance: “Pure” term insurance for New York
Nobody likes paying for things that they aren’t going to use, which is why so many Americans are hesitant to purchase life insurance.
Garden State provides “pure” term life insurance, which means that you’re only going to be paying for what you need. Unlike many life insurance plans, Garden State keeps things simple, avoiding the overly-complicated investment structures of larger plans.
All Garden State Life Insurance Plans are:
No medical exam required
No matter which Garden State plan you choose, you do not have to complete a medical exam in order to be covered.
More affordable for
non-smokers
Even without a medical exam, people who don’t smoke are eligible for a significant rate discount with Garden State.
Renewable up to age 80
If you outlive your Garden State term, you can choose to renew your coverage again and again until you reach the age of 80. (Premium rates are subject to change in between terms).
QuickGard: Up to $150,000 of Pure Term Life Insurance
The QuickGard Plan is Garden State’s most popular option, offering affordable 5-year term life insurance for when you need it the most. Younger individuals (18-55) can enjoy a maximum coverage benefit of up to $150,000, with a $75,000 maximum benefit for anyone 56 and older.
CashGard: 15, 20, or 30-year “Return of Premium” plans
The CashGard Plan offers 15, 20, or 30-year return of premium (ROP) plans. This means that if you survive the term of your policy, Garden State will return either all or a portion of your paid premiums.
Ready to sign up for coverage with Garden State?
The link below will take you to a free cost estimator for Garden State insurance. Once you have your instant quote, ask your Personal Benefits Manager to review your decision. We might be able to find you a plan that is more affordable, or has more of the kind of coverage that you’re looking for.
You can also call us directly at 970-999-0989 to get started.