Get Started With A Firm That Believes Everyone Deserves Unbiased, Fair Advice.

Hi my name is Joseph Carbone, Jr., welcome to Life Insurance by Joe .com.  I am a CERTIFIED FINANCIAL PLANNER™ professional with over 20 years of experience in helping clients with their life insurance, disability insurance, long-term care insurance, and annuity needs.

If you love your family and want to protect them like I do mine, then I am confident we can help you.  No pressure, no sales gimmicks, we do not need to sell you a policy in the first 10 minutes of our call!

Our Independence Is Your Advantage

We are completely independent brokers. We work with all of the top rated insurance companies throughout the country.

What does that mean for you?

Every conversation we have with a client is with your best interest in mind.  We look to fit the product that meets your needs not fit the product  to your needs!

Our Approach

Our firm is structured differently than most other Life Insurance Firms. We want to make it easy, simple, and enjoyable to work with. We take important, emotionally draining, complicated topics and break them down into simple actionable steps.

How do we do this?

It is simple: We believe in educating people and working with my clients in a classroom-type setting. We are always learning (I say “we” because we always learn new ways to effectively communicate concepts and ideas from each and every one of our clients).

Insurance Consulting

An insurance advisor serves as a key member of your wealth management team who will review your insurance portfolio in the context of your current needs, projected income, retirement plans and legacy intentions.

Insurance is coordinated with your overall wealth plan

Your insurance advisor participates actively in the wealth planning process to ensure that your insurance portfolio properly reflects your needs and goals. Your insurance advisor will recommend solutions and strategies that complement your overall wealth plan. Specific services include portfolio review, carrier risk analysis and monitoring, custom-tailored solutions, and access to a comprehensive selection of insurance products.

Insurance solutions for your needs

Insurance offers more than risk management from unexpected events. Insurance solutions can help you at every stage of your financial life, whether your goals are wealth protection, liquidity creation, wealth accumulation or wealth transfer.

We specialize in all types of insurance to help protect your loved ones, protect your business, and to make sure you get the proper care you need.

  • Life Insurance
  • Disability Insurance
  • Long-Term Care Insurance
  • Fixed and Immediate Annuities