Protect your family's financial future with the right coverage at the right price. EBS shops dozens of top-rated carriers to find you the best rate - at no cost to you.
Takes less than 2 minutes - no commitment required
Top-rated carriers we work with
No endless phone trees. No pushy salespeople. Just straightforward guidance from a dedicated EBS advisor.
Fill out the form above with your basic information. It takes less than 2 minutes and there's no obligation whatsoever.
Your dedicated EBS advisor compares rates across our network of 40+ top-rated carriers to find the best coverage at the lowest premium for your situation.
We walk you through your options in plain English - no jargon. Once you choose a plan, we handle all the paperwork and get your policy in force quickly.
Whether you're protecting your family, your business, or your key executives - EBS has the right solution.
Affordable coverage for a defined period - 10, 15, 20, or 30 years. Ideal for income replacement, mortgage protection, and family security during critical earning years.
Permanent lifetime coverage with a cash value component that grows tax-deferred. Provides long-term protection and can serve as a wealth-building tool.
Employer-sponsored coverage for your entire workforce. A valuable benefit that helps attract and retain employees, typically at a lower cost than individual policies.
Protects your business from the financial loss of a key employee or executive. Includes Key Man policies, Section 162 Bonus Plans, and Split Dollar arrangements.
Flexible permanent coverage with adjustable premiums and death benefits. Builds cash value that can be accessed during your lifetime for supplemental income or emergencies.
Second-to-die policies designed to minimize estate taxes and facilitate business succession. Paired with Buy-Sell Agreements to protect business partners and their families.
Everything you need to know before getting covered. Still have questions? Call us at +1 973 244-1100.
A common rule of thumb is 10-12× your annual income, but the right amount depends on your specific situation - your debts, number of dependents, income replacement needs, and existing assets. Our advisors use a needs analysis to help you arrive at the right number rather than guessing.
Term life provides coverage for a specific period (e.g., 20 years) at a lower premium - it's pure protection with no savings component. Whole life is permanent coverage that never expires and builds cash value over time. Term is ideal for income replacement during peak earning years; whole life suits long-term estate planning and wealth transfer goals.
It depends on the policy type, coverage amount, and your age. Many carriers now offer "no-exam" or "simplified underwriting" term life policies for healthy applicants under 60. For larger coverage amounts or whole life policies, a brief medical exam (typically a free in-home appointment) is often required. We'll let you know exactly what's needed upfront.
Group life insurance is purchased by an employer and provided to employees as a benefit - typically at no cost to the employee. Coverage is usually a multiple of the employee's salary (e.g., 1× or 2× annual salary). EBS handles the carrier selection, enrollment, employee communications, and ongoing administration so your HR team doesn't have to.
Key Person insurance (also called Key Man insurance) is a business-owned policy on a critical employee or executive whose death would create significant financial hardship. The business pays the premium and is the beneficiary. The proceeds help cover costs like recruiting a replacement, repaying business loans, or stabilizing operations during the transition.
No. EBS is compensated by the insurance carriers through standard commissions - at no additional cost to you. You get the same price (or better, due to our volume relationships) as going directly to a carrier, plus our expertise in finding the right coverage and handling all the paperwork for free.
"EBS made the whole process painless. They found us a 20-year term policy for less than I expected to pay, and our advisor walked us through every step. I couldn't be happier."
"We needed key man coverage for two partners in our firm. EBS structured the entire arrangement - we had policies in place within 3 weeks. Outstanding knowledge and service."
"Adding group life insurance to our benefits package was seamless. EBS handled everything - the carrier negotiations, enrollment, and even a meeting with our employees to explain the benefit."
Get a free, no-obligation life insurance quote from Enterprise Benefit Solutions. Our advisors are available Monday through Friday, 9 AM to 6 PM.
Enterprise Benefit Solutions (EBS) was founded in 2008 by Kamlesh M. Vaswani following a 20-year career at MetLife. We are an independent benefits brokerage licensed in NJ, NY, CT, VA, CA, PA, IL, and NH - serving 200+ businesses across the country. Securities and investment advisory services offered through LifeMark Securities Corp., Member FINRA/SIPC. Visit our full website →