Life Insurance & Annuity
Term, whole and universal life to replace income and clear debt — plus annuities that convert savings into a paycheque you cannot outlive.
Independent Agency · Licensed in New Jersey
Protect what you love. Grow what you build.
From life and health cover to retirement income, college funds and living trusts — AR Life, Health & Financial Service LLC builds one clear plan around your family, and reviews it with you every year.
- Licensed & Insured
- Same-Day Response
- No-Obligation Reviews
- Multiple Carriers Compared
12
Service Lines Under One Roof
A-Rated
Carrier Partners Only
$0
Cost For Your Consultation
Amit Rana
Founder & Licensed Agent
Who We Are
An independent agency that puts your plan before any product.
AR Life, Health & Financial Service LLC is a full-service insurance and financial practice serving families, seniors, newcomers and business owners across New Jersey. Because we are independent, we are free to compare carriers and recommend only what genuinely fits.
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One plan, not twelve policies
Life, health, retirement and estate pieces designed to work together instead of overlapping.
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Plain-English guidance
We explain deductibles, riders, surrender periods and tax treatment before you sign anything.
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Service that continues after the sale
Annual reviews, claims support, beneficiary updates and open-enrolment help — included.
Our Services
Everything your family needs, under one roof
Twelve specialist lines, one adviser, one coordinated strategy — so nothing is duplicated and nothing is missed.
Health Insurance
Individual, family and small-group medical cover. We compare networks, drug lists and true out-of-pocket cost — not just the premium.
Retirement Planning
A written income plan: what you will draw, from which bucket, in which order — stress-tested against inflation and long life.
Medicare Supplement Plans
Medigap, Advantage and Part D compared side by side, so the gaps Original Medicare leaves behind do not land on your savings.
401K Rollover & IRA
Moving an old employer plan without triggering tax. Traditional, Roth and rollover IRAs explained, executed and documented.
Getcovered NJ Plans
New Jersey marketplace enrolment done properly — subsidy and cost-sharing checks so you claim every dollar you qualify for.
College Education Planning
529s, custodial accounts and cash-value strategies weighed against financial-aid impact — funded early, drawn efficiently.
Dental & Vision Plans
Standalone cover for cleanings, crowns, frames and lenses — the routine costs medical plans quietly leave out.
Tax-Free Retirement Planning
Roth conversions and properly structured cash-value life cover, used to build income streams that arrive tax-advantaged.
Visitor Health Insurance
Cover for parents, relatives and guests visiting the United States — emergency care and repatriation arranged before they fly.
Will & Living Trust
Wills, revocable living trusts, powers of attorney and healthcare directives — so your wishes are followed and probate is avoided.
New Business Opportunities
Licensing, mentoring and a book-building path for people who want to earn as licensed insurance and financial professionals.
Real Life, Covered
Cover built around the life you actually live
Life & Annuity
Your family keeps the life you built for them
Enough cover to clear the mortgage, replace your income and keep the children's plans on track — then an annuity to turn savings into steady income later.
Retirement
Income that lasts as long as you do
We map guaranteed income against essential spending, so market swings never dictate your lifestyle.
Health
The right network, the honest price
We check that your doctors and prescriptions are actually covered before you enrol.
Medicare
Turning 65 without the guesswork
Enrolment windows, penalties and Medigap comparisons handled in one sitting.
Education
Tuition, funded on purpose
Start small and early; we structure it so aid eligibility is not quietly damaged.
Estate
Wills, trusts and directives — signed, not someday
Name your guardians, trustees and beneficiaries properly, keep the estate out of probate, and spare your family the paperwork at the worst possible time.
Dental & Vision
The everyday care that adds up
Cleanings, crowns, frames and lenses — covered before they become a surprise bill.
Visitor Cover
Family visiting from abroad
Emergency medical cover for parents and guests, arranged before departure.
Rollovers & Tax Strategy
That old 401(k) is still working for someone. Make it work for you.
Most people leave a plan behind with every job change — paying fees they never see, in funds they never chose. We consolidate them correctly, keep the transfer tax-free, and rebuild the allocation around the retirement date you actually want.
Direct rollover, no tax event
Traditional vs Roth modelling
Fee & expense-ratio audit
RMD planning
Beneficiary review
Consolidated statements
How It Works
Four steps, zero pressure
You will never be asked to decide in the first meeting. Ever.
01
Discovery Call
Twenty minutes on the phone. Your family, your income, what keeps you up at night. No forms yet.
02
Needs Analysis
We quantify the real gaps — income, medical, tax and estate — and put numbers to each one.
03
Plan Presentation
Two or three options side by side, with costs, trade-offs and our recommendation stated plainly.
04
Annual Review
Life changes. Every year we revisit the plan, update beneficiaries and re-shop where it pays to.
The part most agencies skip
Anyone can sell a policy once. The value shows up years later — at a claim, at open enrolment, when a beneficiary needs changing, when a child turns 26 or a parent turns 65. That is the work we are actually here for, and it is included in what you already pay.
- 12 Service Lines
- 20+ Carriers Compared
- 24h Response Window
- 100% Independent Advice
Client Voices
Trusted for the decisions that matter
“I came in for one life quote and left with an actual plan. They found two old 401(k)s I had genuinely forgotten about and rolled both over without a cent of tax.”
Priya N.Small business owner · Edison, NJ
“Turning 65 was a maze. They laid Medigap and Advantage side by side, showed me what each would cost with my prescriptions, and let me take the paperwork home to think.”
Daniel M.Recently retired · Woodbridge, NJ
“My parents visit for four months every year and I never knew visitor cover existed. Sorted in one afternoon, and it paid out when my father needed an ER visit.”
Anjali S.Healthcare professional · Jersey City, NJ
“We finally have a living trust, guardians named, and directives signed. It took two meetings. I had been putting it off for eleven years.”
Carmen R.Parent of two · Newark, NJ
Illustrative testimonials shown for layout purposes — replace with your own client reviews before publishing.
New Business Opportunities
Build a career helping families get this right
We license, train and mentor new agents — and we do it properly. You will learn the products, sit in on real needs analyses, and build a book with support behind you rather than a script and a quota.
Questions
Answered before you ask
Nothing. The discovery call, the needs analysis and the plan presentation are all free, and there is no obligation at the end of them. If you choose to move forward, we are compensated by the carrier — not by an hourly fee from you.
No. We are an independent agency, which means we can place business with a range of carriers and compare them honestly. That freedom is the whole point — a captive agent can only ever recommend one company's answer.
Usually, yes. Policies bought five or ten years ago often have outdated beneficiaries, coverage that no longer matches your income, or premiums that newer products beat outright. A review costs you nothing and frequently finds savings or a gap worth closing.
Marketplace plans have an annual open-enrolment window, but a qualifying life event — marriage, a birth, losing job-based cover, moving state — opens a special enrolment period. Medicare has its own timelines, and missing them can mean lifelong penalties. Call us and we will tell you exactly which window applies to you.
Yes. We regularly place cover for new residents, students, work-visa holders and visiting family members. Visitor health insurance in particular needs arranging before travel, so contact us as soon as flights are booked.
We coordinate the estate side — identifying what you need, aligning beneficiaries with your insurance, and working alongside a licensed attorney for the drafting and execution of the documents themselves.
Get Started
Tell us what you need protected
Send the form or simply call. We reply within one business day, and the first conversation is always free.
Call or text
+1 (555) 010-0000
Mon – Sat, 9:00 am – 7:00 pm ET
Email
info@arlifehealth.com
Replies within one business day
Serving
New Jersey, United States
In-person, phone and video appointments
Enrolment help
Medicare & Getcovered NJ
Ask us which window applies to you