Rick Bender and the agents at Garden State Life and Health Insurance Partners are licensed Senior Benefits Advisors committed to helping seniors make confident, informed decisions about their life and health insurance needs. We offer a full range of life insurance solutions, including Whole Life, Term Life, Final Expense, and Universal Life policies.

We also assist clients with their initial Medicare enrollment, clearly explaining what Parts A and B cover, what they don’t cover, and the associated costs. In addition, we help them navigate their coverage options, including Medicare Advantage, Medicare Supplement plans, and Prescription Drug Plans, as well as supplemental benefits such as heart attack and stroke coverage, hospital indemnity plans, and dental, vision, and hearing benefits.

As an independent brokerage, we work for you—not a single insurance company. With access to over 50 top-rated carriers, we’re able to compare options and find the coverage that offers the best value for your situation. Each year, more than 1,000 families trust us to help safeguard their health and financial future.

Protecting your loved ones is one of the most important decisions you’ll make. I focus on finding solutions tailored to your needs and budget—so you can spend less time researching and more time focusing on what matters most: your family.