Confused By
Life Insurance?

We are independent.  Because we are not beholden to any single product or financial services provider, we are uniquely positioned to offer the appropriate solution to fit only the needs of our clients.

Term Insurance

Most affordable insurance when first purchased and is designed for temporary needs.

Permanent Insurance

Provides lifelong protection for those who consistently keep the premiums up-to-date.

Final Expense

Provides the funds needed for your loved ones when they need it the most.

  • Traditional Term Life Insurance
  • Living Benefits Life Insurance
  • Return of Premium Term Life Insurance
  • Non-Medical Term Life
  • Traditional Universal Life Insurance

  • Non-Medical Universal Life Insurance
  • Indexed Universal Life Insurance
  • Whole Life Insurance
  • Non-Medical Whole Life Insurance
  • Final Expense Policies ($2,000.00 Minimum Benefit)

Free Rx Discount Card

Simply print and present this card at over 50,000 pharmacies for savings up to 75%.  So much benefit!

A Legacy Of Love

We’re here to help you plan for the unplanned.  Pull up a chair and watch now.

Our Clients

I’m grateful to know there are nice people in this world who are willing to help others. Fred is not only a trusting insurance agent, but a friend who deeply cares.

Stacey G. Wenonah

New Jersey

I’m very very grateful to know there are nice people in this world who are willing to help others. Fred is not only a trusting insurance agent, but a friend who deeply cares.

Justin Sworsky

Delaware

Put You & Your Family in Good Hands

Get In Touch

How can we help?  Do you have a question?  Fill out and submit the form below with your inquiry and we’ll be sure to get back to you within 24 hours.

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FJW & Associates

Providing Coverage For Almost 20 Years

We are committed to the belief that one size does not necessarily fit all.  For over fifteen years, we have assisted individuals and businesses with life insurance, retirement, estate planning, and business continuity arrangements.