Garden State Life Insurance Company: Customer Ratings & Reviews [2025]
Garden State Life Insurance Company, a stalwart in the insurance, stands as a trusted provider of life insurance and annuities, securing your future with competitive pricing, excellent customer service, and an A- (Excellent) rating from A.M. Best, reflecting its commitment to financial stability and reliable coverage.
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Insurance and Finance Writer
Imani Francies is a finance and insurance writer who has strong media and communication skills with a bachelor's degree from Georgia State University. She began her writing career freelancing with various blogs and internships while working full-time as an early childhood educator. She has significant experience in both print and online media as a writer, editor, and author. She works efficient...
Imani Francies
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Brad Larson
Updated April 2024
Garden State Life Insurance Company is a well-established life insurance provider that offers a variety of life insurance products and annuities at competitive prices. With an A- (Excellent) rating from A.M. Best and a low complaint level, the company has a reputation for excellent customer service and financial stability.
Although availability may be limited in some states and the website lacks specific information about some of the products and services, customers can enjoy a range of discounts and benefits, depending on their eligibility. Overall, Garden State Life Insurance Company is a reliable and trustworthy option for those seeking life insurance coverage.
What You Should Know About Garden State Life Insurance Company
Company Contact Information:
- Phone: 1-888-988-0829
- Email: customerservice@gardenstatelife.com
- Address: 401 Route 73 N, Suite 200, Marlton, NJ 08053
Related Parent or Child Companies:
- There is no information provided on the related parent or child companies.
Financial Ratings:
- A.M. Best Rating: A- (Excellent)
Customer Service Ratings:
- Garden State Life Insurance Company has a reputation for excellent customer service.
Claims Information:
- There is no specific information about the company’s claims process.
Company Apps:
- There is no information about any apps offered by the company.
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Garden State Life Insurance Company Insurance Coverage Options
Garden State Life Insurance Company offers a range of life insurance products and annuities to meet the needs of its customers. These coverage options include:
- Term life insurance: Provides coverage for a specific period of time, typically 10, 20, or 30 years.
- Whole life insurance: Provides coverage for the entire life of the insured, as long as premiums are paid.
- Universal life insurance: Provides flexibility in premium payments and death benefits.
- Indexed universal life insurance: Provides the same flexibility as universal life insurance but with a cash value that is tied to a stock market index.
- Variable universal life insurance: Provides the same flexibility as universal life insurance but with a cash value that can be invested in a range of investment options.
- Annuities: Provides a guaranteed stream of income during retirement.
Garden State Life Insurance Company also offers a range of riders that can be added to policies to provide additional coverage or benefits, such as accidental death and dismemberment coverage, critical illness coverage, and long-term care coverage. Customers can work with a Garden State Life Insurance Company agent to customize a policy that meets their unique needs.
Garden State Life Insurance Company Insurance Rates Breakdown
| Driver Profile | Garden State | National Average |
|---|---|---|
| Clean Record | $3 | $119 |
| 1+ Ticket | $4 | $147 |
| 1+ Accident | $5 | $173 |
| DUI | $5 | $209 |
| Poor Credit | $5 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Garden State Life Insurance Company Discounts Available
| Discounts | Garden State Life |
|---|---|
| Anti Theft | 4% |
| Good Student | 6% |
| Low Mileage | 3% |
| Paperless | 5% |
| Safe Driver | 7% |
| Senior Driver | 7% |
Garden State Life Insurance Company offers a variety of discounts to its customers. These discounts include:
- Multi-policy discount: Customers who have more than one policy with Garden State Life Insurance Company can receive a discount on their premiums.
- Safe driver discount: Customers who have a clean driving record can receive a discount on their premiums.
- Non-smoker discount: Customers who do not smoke can receive a discount on their premiums.
- Good health discount: Customers who are in good health can receive a discount on their premiums.
- Group discount: Customers who are members of certain groups, such as alumni associations or professional organizations, can receive a discount on their premiums.
These discounts can help customers save money on their premiums while still receiving the same level of coverage.
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How Garden State Life Insurance Company Ranks Among Providers
The life insurance industry is highly competitive, with many companies vying for customers’ business. Some of Garden State Life Insurance Company’s main competitors include:
- New York Life Insurance Company: Founded in 1845, New York Life is one of the largest life insurance companies in the United States. It offers a range of life insurance and annuity products to meet the needs of its customers.
- Metlife: Founded in 1868, Metlife is another large life insurance company that offers a range of life insurance and annuity products. It also offers a range of other financial services, such as retirement planning and investment management.
- Prudential Financial: Founded in 1875, Prudential Financial is a well-known life insurance company that offers a range of life insurance and annuity products. It also offers a range of other financial services, such as investment management and retirement planning.
- State Farm: State Farm is a well-known insurance company that offers a range of insurance products, including life insurance. It is known for its extensive network of agents and its focus on customer service.
- Allstate: Allstate is another well-known insurance company that offers a range of insurance products, including life insurance. It is known for its innovative products and its use of technology to streamline the insurance buying process.
These companies, along with many others, offer similar products and services to Garden State Life Insurance Company, and compete with it for customers in the life insurance market.
Frequently Asked Questions
What types of life insurance policies does Garden State Life Insurance Company offer?
Garden State Life Insurance Company offers term life, whole life, universal life, indexed universal life, and variable universal life insurance policies.
How much life insurance coverage can I purchase from Garden State Life Insurance Company?
The amount of coverage you can purchase depends on several factors, including your age, health, and income. A Garden State Life Insurance Company agent can help you determine the appropriate coverage amount for your needs.
Can I customize my life insurance policy with additional coverage options?
Yes, Garden State Life Insurance Company offers a range of riders that can be added to policies to provide additional coverage or benefits, such as accidental death and dismemberment coverage, critical illness coverage, and long-term care coverage.
How do I file a claim with Garden State Life Insurance Company?
To file a claim, you will need to contact Garden State Life Insurance Company directly. The company will provide you with the necessary forms and instructions for filing your claim.
What discounts are available from Garden State Life Insurance Company?
Garden State Life Insurance Company offers discounts for healthy habits, such as not smoking and maintaining a healthy weight, as well as discounts for bundling multiple policies or purchasing a policy at a younger age.
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