Your Trusted Partner for Insurance Solutions
With over 20 years of experience and access to 250+ plans from 50+ top-rated carriers, we make it easy to find the right Medicare, Final Expense, or Life Insurance coverage—at the lowest premium for your needs.
Personalized Guidance. Proven Experience. Peace of Mind.
At Garden State Life & Health Insurance Partners, we believe choosing the right coverage shouldn’t feel overwhelming. As independent brokers, we bring over two decades of industry expertise to help you make confident, informed decisions about your Medicare, Final Expense, and Life Insurance options. Learn more about who we are—and why so many seniors and families trust us to protect what matters most.
you have options
Explore Insurance Plans with Confidence
Medicare Advantage
Medicare Advantage, combines the benefits of Original Medicare (Part A and Part B) into a single plan with additional coverage, like dental, vision, hearing, wellness, and more.
Medicare Supplement
Medicare Supplement, or Medigap, bridges the coverage gap left by Original Medicare (Part A and Part B) and covers costs like deductibles, copayments, and coinsurance.
Life Insurance
Life insurance helps safeguard your family’s financial future. Whether you need term, whole, or universal life, we’ll help you choose the right policy to provide peace of mind and lasting protection.
Individual ACA Plans
Individual plans under the Affordable Care Act (ACA) offer comprehensive health insurance for those under 65 who don’t qualify for Medicare. These plans cover essential health benefits like doctor visits, hospital stays, prescription drugs, and more.
Testimonials
We're happy, when you're happy
Rick Bender is a really nice person that sells insurance like a lot of others but there is a difference with Mr Bender. He’s a father and husband and very nice family man. Rick came too my house too sell me insurance didn’t know the first thing about it but when Rick put it on the table I understood it he’s very trustworthy and I trust him with my decisions and his guidance, he stays in touch with you with any updates.
William H.
I was looking for a life insurance plan to pay for my burial expenses. I spoke with Rick Bender at Garden State Insurance Partners. He was extremely kind and a very attentive listener. He gave me his full attention when I told him of my needs and explained the insurance plans in terms I could understand. He did not push any sales, nor did he try to convince me to buy more than I wanted. With Rick's assistance, I bought a plan that I think is best for me and my family.
Bonnie S.
Our experience with Rick Bender was extremely satisfying. He was knowledgeable, professional and so very accommodating of our needs. It was an absolute pleasure and we are truly satisfied with his help. Thank you Rick and Garden State Insurance!
Marcia Z.
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