Dirus & Sons

2100 Corlies Ave, Unit 4
Neptune City, NJ 07753

Get Directions

An In-Depth Look At Variable Life Insurance

Dirus & Sons proudly provides insurance coverage to Neptune, NJ residents. We prioritize getting to know our clients to help them find a policy that aligns with their needs. We strive to make sure that our clients receive friendly customer service. We are proud to serve the community as an independent insurance agency and look forward to establishing a long-lasting relationship with you. 

Variable Life Insurance Overview

Discussing life insurance is often an uncomfortable topic for many people. However, life insurance can help make sure that your legacy lives on through your loved ones. Life insurance can help your loved ones finalize your estate as they cope with your passing. Whole life coverage ensures that you will be protected throughout your entire lifetime. Term life policies provide coverage during a specified time frame. Generally, the coverage lasts between 20 and 25 years. Variables life insurance is another option to consider.

Variable life insurance policies are unique because they include a significant financial reward based on the current market conditions. You can use the assets in your variable life insurance policy to help your children attend college. Perhaps you own a local Neptune, NJ business. You can use your life insurance policy to help your loved ones continue to operate your business after you have passed away.

Variable life insurance policies are flexible, as you have control over the growth of the policy. If you can successfully manage the risks, you can leave a substantial benefit behind for your loved ones as they cope with your passing.

Dirus & Sons Will Help You Find The Right Policy

Visit our website to learn more information about life insurance.

3 Benefits of Term Life Insurance

Residents who live in Neptune, NJ can call the agents of Dirus & Sons if they want to learn more about term life insurance. Term life offers benefits that whole life does not. This type of coverage is more simple in nature and can provide the right amount of coverage without breaking your budget.

Cheaper Premiums

Term life offers a specific amount of coverage. The amount of coverage determines premiums and how many years the term is set for. This means that the premiums may be considerably less than a whole life policy with a considerably higher payout. Cheaper premiums make term life a great choice for individuals who are only looking to cover their final expenses.

Set Term

Unlike whole life, term life is set up to be paid up to maturity within a specific amount of time, normally 10, 15, or 20 years. With a term life policy, you always know how many more payments you have before your policy is fully paid for. A set term makes it easy to plan your budget and prepare for your future.


Term life policies also build equity. This means that once a certain percentage has been reached, you may be able to borrow against it. Borrowing against equity is a nice perk and makes a great windfall in an emergency.

At Dirus & Sons, Neptune, NJ residents can rely on the agents to provide sound advice for term life insurance. They have the answers you need to purchase the perfect policy for your needs. Call today and talk to one of their reputable agents to get the answers you are looking for.

Partner Carriers

  • Aetna
  • Ameritas
  • Bankers Fidelity
  • Bristol West
  • BTIS
  • Cabrillo Coastal
  • Delta Dental
  • Foremost
  • FTP
  • Humana
  • Mercury
  • Morstan
  • Penn Mutual
  • Plymouth Rock
  • Progressive
  • Savoy
  • Strand
  • Tokio Marine