New Jersey's Trusted Local Life Insurance Agency
We are a team of licensed New Jersey insurance advisors committed to helping families and businesses across the Garden State find the right life insurance coverage — with honesty, expertise, and no pressure.
Built on a Simple Belief: Every NJ Family Deserves Protection
NJ Life Insurance Agency was founded in 2005 by Michael Torres, a lifelong New Jersey resident who saw too many families left financially vulnerable after the unexpected loss of a loved one. His mission was straightforward: build an independent agency that puts clients first, compares options honestly, and makes life insurance accessible to middle-income New Jersey families.
Over nearly two decades, we have grown to serve more than 2,400 New Jersey families, seniors, and small business owners across all 21 counties. Our team of licensed advisors brings deep local knowledge and genuine care to every consultation — whether you're a young parent in Hoboken, a retiree in Cape May, or a small business owner in Parsippany.
As independent advisors, we are not tied to any single insurance company. We work with more than 25 top-rated carriers to compare options and find coverage that genuinely fits your life, your health, and your budget.
What Sets Our NJ Agency Apart
Licensed & Compliant
Every advisor on our team is fully licensed by the New Jersey Department of Banking and Insurance. We operate in strict compliance with NJ state and federal insurance advertising guidelines.
Client-First Philosophy
We are independent advisors, not captive agents. That means we work for you — comparing options across 25+ carriers to find coverage that genuinely fits your needs and budget.
Community Rooted
We live and work in New Jersey. We understand the unique financial pressures and opportunities facing Garden State families, from the Shore to the Highlands.
Business Expertise
From key person insurance to buy-sell agreement funding, we have deep experience helping New Jersey small businesses protect their most valuable assets.
Meet the Team
Every advisor on our team is fully licensed by the New Jersey Department of Banking and Insurance (DOBI). License numbers are available upon request.
Michael R. Torres
Michael founded NJ Life Insurance Agency in 2005 after a decade working with major carriers. A lifelong New Jersey resident, he is passionate about helping local families and business owners find coverage that genuinely fits their lives. Michael holds multiple carrier certifications and is a member of the National Association of Insurance and Financial Advisors (NAIFA).
Sandra L. Patel
Sandra specializes in final expense and senior life insurance planning. She is known for her patient, educational approach — taking the time to ensure every client fully understands their options before making any decisions. Sandra serves clients throughout central and southern New Jersey.
David K. Williams
David focuses on term life insurance and business coverage for New Jersey's growing small business community. A former financial planner, he brings a comprehensive perspective to life insurance planning, helping clients understand how coverage fits into their broader financial picture.
Licensing Disclosure
All advisors at NJ Life Insurance Agency are licensed by the New Jersey Department of Banking and Insurance (DOBI). License numbers shown above are placeholders and will be replaced with actual license numbers prior to publication. Licensing information is publicly verifiable through the NJ DOBI website. We operate in full compliance with New Jersey insurance regulations and federal advertising guidelines.
Serving All of New Jersey
We serve clients across all 21 New Jersey counties, as well as the greater Easton, PA area. If you're searching for a local life insurance advisor near you in NJ, we're here.
Also serving the greater Easton, PA area. Contact us to confirm availability in your location.