Coverage up to $40,000 for residents of New Jersey, Delaware and Pennsylvania, with no medical exam required. You apply online and work directly with a licensed local agent.
Questions? Call or text Jack Costanzo at (609) 365-9103.
Whole life coverage that never expires. Apply directly online in minutes.
Build your will online at no cost. Free for everyone, no policy required.
Most applicants qualify without a doctor's visit.
Work directly with Jack Costanzo, not a call center.
The whole process takes about ten minutes, requires no medical exam, and is done entirely online.
Answer a few questions about your coverage needs. Takes about two minutes.
Get my quote →Review clear, plain-language policy options. A licensed agent is available to answer any questions before you decide.
Complete your application online at your own pace. Many applications are approved within a day.
Start my application →Our free will builder is open to everyone, with or without a policy. Answer a few questions and your Last Will & Testament is emailed to you.
Start my free will →The will builder is free for everyone, with no policy required. Answer questions about your family and estate, and we build the will around your answers. Most people finish in ten minutes.
Having these ready makes the questionnaire quicker.
The will builder is a self-help tool, not legal advice. Your will must be signed and witnessed under your state’s law to take effect.
A free quote takes about two minutes. Prefer to talk it through? Call or text (609) 365-9103.
Available to residents of New Jersey, Delaware, and Pennsylvania. Get an estimated rate in seconds, then complete your full application. A licensed agent reviews and submits it for you.
All plans are underwritten by American Benefit Life Insurance Company. No medical exam is required. Approval is based on a short health questionnaire.
This is the plan most FamilyGuard clients choose. SIWL provides lifelong coverage from the day your policy is issued. Your premium is locked in permanently and never increases, and your coverage never runs out regardless of how long you live. Unlike term insurance, you never have to worry about your policy expiring and leaving your family unprotected.
Make premium payments only until age 65. After that your policy is fully paid up and coverage continues for the rest of your life with no further payments required. A strong choice for those who want to eliminate insurance payments by retirement.
Pay premiums for exactly 20 years. After that your policy is completely paid off and lifetime coverage remains in force with no further payments. Builds cash value faster than standard whole life policies.
Provides permanent, lifelong protection at the most affordable base premium for those who want straightforward coverage without optional add-ons.
Answer a few quick questions to see your estimated monthly premium.
We are licensed in NJ, DE, and PA
Rates differ for male and female applicants per Liberty Bankers schedule
By submitting, you agree to our Terms of Use and Privacy Policy, and that Jack Costanzo may contact you by email, phone or text about your quote. Consent is not a condition of purchase. Msg & data rates may apply; reply STOP to opt out of texts.
Underwritten by American Benefit Life Insurance Company, a member of Liberty Bankers Insurance Group.
No medical exam required. Coverage based on health question answers.
Face amounts up to $40,000. Minimums and maximums vary by plan and age.
Simplified Whole Life (SIWL): coverage for your entire lifetime.
Pay by bank draft or debit/credit card.
Work through each section at your own pace. Your answers go to Jack Costanzo, your FamilyGuard agent, and are used to prepare your document and to follow up with you. They are never sold or passed to anyone else.
Please enter your full legal name as it appears on your identification. This will appear on your official will document.
Required to validate your document
Your current legal address
Select the option that best describes your current situation. This helps us structure your will correctly.
Select all that apply. You do not need exact values. Approximate information is fine at this stage.
Name the people who will receive your estate and the person responsible for carrying out your will.
Use each person’s full legal name: the name on their driver’s licence, not a nickname. The shares must add up to 100%.
Lawyers call the first option “per stirpes.” It is the more common choice when your beneficiaries are your children.
A last resort, used only if everyone named above has passed away.
This person carries out the instructions in your will and distributes your assets.
The person who would care for your children if both parents were to pass away.
These fields are optional but encouraged. Your answers help ensure your wishes are clearly documented.
You may direct a portion of your estate to a charity of your choice.
Your will document is emailed here. Jack may also follow up about your coverage. Your email is never sold or shared with anyone else.
By continuing you agree to our Terms of Use and Privacy Policy, and that Jack Costanzo may contact you by email, phone or text about your will or coverage. Consent is not a condition of any purchase. Msg & data rates may apply; reply STOP to opt out of texts.
This takes about 20 seconds. Please keep this page open.
Whole life coverage up to $40,000, health questions only, no exam. See your rate in about two minutes.
Your name, address and beneficiaries carry over.
Simple, honest advice on protecting your finances, your family, and your legacy. Plain language, no jargon.
Probate is the legal process a court uses to distribute your assets after you pass away. If you die without a will, the court decides who gets what, and it may not reflect your wishes. Even with a will, probate can take months or years and cost your family thousands in legal fees. Assets like life insurance policies and retirement accounts with named beneficiaries bypass probate entirely, which is one reason they are so valuable.
A will is not just for the wealthy. It is the only legal document that lets you decide who raises your children if something happens to you, who receives your belongings, and how your final wishes are carried out. Without one, state law makes those decisions, and the outcome may not be what your family needs or expects.
A will that no one can locate is the same as no will at all. Store the original in a fireproof safe or with your attorney. Give a copy to your executor and let your closest family members know where it is. Do not store it in a safety deposit box alone. Banks may restrict access after death before the will is even reviewed.
Life insurance premiums are determined primarily by your age and health at the time of application. The younger and healthier you are, the lower your rate, and that rate is locked in for the life of your policy. Waiting even a few years can significantly increase what you pay. The best time to apply is always now.
Life insurance pays directly to whoever is named as your beneficiary. It does not go through your will. This means an outdated beneficiary designation can override your wishes entirely. Review your beneficiaries after marriage, divorce, the birth of a child, or the death of a named beneficiary.
Read your policy and ask your agent to walk you through the key provisions, including any exclusions, the contestability period (typically two years), and how claims are filed. Your beneficiaries should know the policy exists, where it is kept, and how to contact the insurance company if something happens to you.
Retirement accounts pass directly to whoever is named as beneficiary on the account, not according to your will. Many people do not realize this, and it can lead to unintended outcomes. Make sure the beneficiary designations on your 401k, IRA, and any pension are up to date and consistent with your overall estate plan.
Compound interest rewards patience above all else. Someone who starts contributing $100 per month at age 25 will retire with significantly more than someone who contributes $200 per month starting at 40, even though the late starter contributed more total dollars. Time in the market matters more than the amount invested.
When someone passes away, their family often cannot access online bank accounts, email, or financial platforms without their login credentials. Create a secure, private document listing your important account usernames, passwords, and PINs. Store it with your will in a fireproof safe, not on your phone or computer where it could be accessed by others or lost.
For your own daily security, use a trusted password manager such as 1Password or Bitwarden. These tools generate strong, unique passwords for every account and store them securely. Never reuse the same password across multiple accounts. If one account is compromised, all of them become vulnerable.
Your digital life (email accounts, social media, cloud storage, cryptocurrency, and online subscriptions) is part of your estate. Without a plan, these assets can be lost or inaccessible forever. Many platforms now offer a "legacy contact" or "inactive account" setting. Take five minutes to set these up and document your digital accounts alongside your other important papers.
Before investing or purchasing additional coverage, make sure you have three to six months of living expenses saved in an easily accessible account. This fund is your financial safety net. It prevents you from going into debt or cashing out investments when an unexpected expense arises. Keep it in a high-yield savings account separate from your everyday checking.
Marriage, divorce, a new child, a home purchase, the death of a family member, or a significant change in income: each of these events should prompt a review of your insurance coverage, beneficiary designations, will, and savings plan. What made sense at 25 may not be appropriate at 45.
Your credit score affects your ability to borrow money, rent an apartment, and in some cases qualify for certain financial products. Check your credit report for free once per year at AnnualCreditReport.com. Dispute any errors promptly. Consider placing a credit freeze if you are not actively applying for new credit. It is free and prevents unauthorized accounts from being opened in your name.
One of the most important things you can do for your family is have an open conversation about your wishes, your finances, and where important documents are located. Many families avoid this topic and are left scrambling at the worst possible time. A brief, calm conversation today can prevent significant stress and confusion later.
A durable power of attorney allows someone you trust to manage your financial and legal affairs if you become incapacitated. Without one, your family may need to go through a lengthy court process to gain the authority to act on your behalf, even for simple tasks like paying your bills. This is a legal document that requires an attorney to prepare, but it is one of the most important protections you can have in place.
Life insurance is one of the most efficient ways to leave a financial legacy. A relatively small monthly premium can result in a significant, tax-free death benefit paid directly to your beneficiaries, often within days of a claim being filed. For families without significant assets, life insurance may be the single most impactful financial decision they can make.
Get a free life insurance quote and receive your personalized Last Will & Testament in one place, with guidance from a licensed local agent.
Independent, licensed, and built around one goal: making life insurance and estate planning simple and accessible for every family.
Jack Costanzo grew up watching his grandfather, James F. Sherlock, build a career in life insurance spanning over 50 years. As James steps into retirement, Jack has taken on that work, writing business under his grandfather's direct guidance and carrying forward the values James built his reputation on: honesty, reliability, and putting families first.
FamilyGuard Insurance & Planning was created to make that mission more accessible. Jack has brought the process online so families can get the coverage they need, understand their options clearly, and take action without confusion or pressure. When you work with FamilyGuard, you are working with Jack directly.
James F. Sherlock founded James F. Sherlock Insurance Inc. in Wilmington, Delaware, and has worked in life insurance for over 50 years. Over that time he has served hundreds of families. FamilyGuard Insurance & Planning operates under his agency.
James has helped clients at every stage of life, from young families buying their first policy to people planning their estates. He continues to advise on the policies written under the FamilyGuard name.
Jack Costanzo’s National Producer Number is 21163180. FamilyGuard Insurance & Planning operates under the agency of James F. Sherlock Insurance Inc.
Every policy is explained in plain language. No hidden fees and no confusing fine print.
We work for you. We find the plan that fits your life and your budget.
Apply online, by phone, or by email. We work around your schedule.
Your free will is one example of how we go beyond what a standard agent provides.
FamilyGuard Insurance & Planning is an independent life insurance agency. Jack Costanzo is licensed to sell life insurance in New Jersey, Delaware, and Pennsylvania. This website does not constitute a binding insurance contract. Coverage is subject to underwriting approval and carrier terms. The will document provided is a guided structural tool and does not substitute for advice from a licensed attorney.
FamilyGuard Insurance & Planning is the trade name of Jack Costanzo, a licensed life insurance producer in New Jersey, Delaware and Pennsylvania (“we”, “us”). This policy explains what personal information this website (familyguard-life.com) collects, how it is used and shared, and the choices you have.
What you enter into our forms.
What we do not collect online. We never ask for your Social Security number or bank, card or account numbers on this website. If those are needed for a policy, Jack collects them from you by phone.
What is collected automatically. This site uses no advertising trackers and sets no cookies. To understand how the site is used, we use Cloudflare Web Analytics, which counts page views and records general information such as the page visited, the referring website, browser type and approximate country. It does not use cookies or other storage on your device, does not keep your IP address for analytics, and does not identify you or follow you across other websites. When you submit a quote or application, we also record how you reached the site, meaning the name of the website that linked to us or the campaign tag on a link you followed, along with a reference number that connects your quote to any application you send. While you fill in a form, your browser temporarily keeps your answers in session storage on your own device so you don’t lose your progress; it is cleared when you close the tab. Our website host and the font service we use may record standard technical information, such as your IP address and browser type, as part of delivering the page.
We do not sell or rent your personal information. We share it only as follows:
If you tell us who referred you, we may thank that person, but we do not share your details or your request with them.
Answers to health questions are used only to evaluate your application for insurance and are shared only with the insurer and agency described above. We handle them in line with the insurance privacy laws of your state.
Your information is stored in password-protected accounts that use two-step verification, and access is limited to Jack. No method of storing or sending information is completely secure, but we take reasonable steps to protect it. We keep records for as long as needed to serve you and as long as insurance record-keeping laws require. After that, you can ask us to delete them.
This site is intended for adults. We do not knowingly collect information from anyone under 18, except details that a parent or guardian provides about their own children as part of an insurance application or a will.
This site does not track you across other websites and does not allow third parties to collect personal information about you across websites through it. Because no such tracking takes place, the site does not change its behavior in response to “Do Not Track” browser signals.
If we change this policy, we will post the new version on this page with a new effective date. If a change is significant, we will say so at the top of the page.
Jack Costanzo, FamilyGuard Insurance & Planning
Email: [email protected]
Phone or text: (609) 365-9103
This website is operated by Jack Costanzo, doing business as FamilyGuard Insurance & Planning. By using the site you agree to these terms. If you don’t agree, please don’t use the site.
Please give accurate and complete answers. Incorrect or incomplete answers on an insurance application can affect whether a policy is issued and whether a claim is paid. Only submit information about another person, such as a spouse or child, if you are authorized to do so.
Articles and tips on this site are general education. They are not individual legal, tax, investment or financial advice.
When you submit a form, you agree that Jack Costanzo may contact you by email, phone or text about your request and your coverage. Consent is not a condition of any purchase. Message and data rates may apply. Reply STOP to opt out of texts, or ask us by email to stop contacting you.
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These terms are governed by the laws of the State of New Jersey. Nothing in these terms limits any right you have under the consumer protection laws of your state.
We may update these terms by posting a new version on this page with a new effective date. Questions: [email protected] or (609) 365-9103.