Business Details
Your Trusted Life Insurance Partner in New Jersey
Excalibur Brokerage has been a trusted name in life insurance solutions for nearly four decades. Our agency specializes in providing affordable, customized insurance coverage tailored to meet the unique needs of individuals and businesses. With a dedicated focus on impaired risk cases, we offer expert guidance through complex underwriting processes, supported by a Board Certified Medical Director and specialized underwriters. Our team combines extensive industry experience with personalized service to ensure clients receive optimal coverage. We serve both consumers and brokers, offering pre-underwriting expertise and strategic product recommendations.Our commitment to transparency and client education empowers informed decision-making about life insurance, disability coverage, and annuities. Through continuous market analysis and relationship-building with leading insurers, we deliver competitive rates and innovative solutions. Our reputation for responsiveness and ethical practices has been built through decades of successful client outcomes. We prioritize long-term relationships over transactional interactions, ensuring ongoing support throughout policy lifecycles. This approach has established Excalibur Brokerage as a respected authority in New Jersey's insurance market.
Services
Term Life Insurance
Whole Life Insurance
Annuities
Buy/Sell Insurance
Disability Insurance
Burial Insurance
Final Expense
Key Person Insurance
Guaranteed Issue
Impaired Risk
Highlights and features
- We offer 40 years of specialized experience in life insurance solutions
- Our team includes certified impaired risk underwriting specialists
- We provide personalized service with rapid policy implementation
- We maintain relationships with 30+ insurance carriers for optimal comparisons
- Our president holds dual certifications in life insurance and long-term care
What people say
Exceptional service
Rapid implementation
Expertise in difficult cases
Personalized support
Responsive agents
Services
Term Life Insurance
Term life insurance provides affordable, straightforward coverage for specific periods like 10, 20, or 30 years. This solution suits individuals seeking temporary financial protection for dependents during working years or debt repayment periods. Our policies offer flexible premium structures with options for guaranteed rates or return-of-premium features that build equity while maintaining cost-effectiveness.
Whole Life Insurance
Whole life insurance combines death benefits with cash value accumulation for lifelong protection. This solution builds tax-deferred equity that policyholders can access through loans or withdrawals while maintaining guaranteed death benefits. Ideal for estate planning and legacy creation, our policies offer predictable premiums and dividends from participating insurers.
Annuities
Annuities provide guaranteed income streams for retirement planning through fixed or variable investment options. Our deferred annuities help build tax-advantaged savings while immediate annuities convert lump sums into reliable monthly payments. We offer customized solutions balancing growth potential with principal protection for long-term financial security.
Buy/Sell Insurance
Buy/sell insurance ensures business continuity through structured ownership transitions following partner death or disability. Our policies fund legally binding buyout agreements using life/disability benefits to maintain operational stability. We specialize in crafting customized solutions that protect business value and preserve working relationships during transitional periods.
Impaired Risk
Impaired risk solutions provide life insurance for individuals with medical conditions or lifestyle risks. Our specialized underwriting team secures coverage for applicants declined elsewhere through tailored policy structures and carrier-specific expertise. We focus on finding affordable options while maintaining appropriate coverage levels for complex health profiles.
People
Carl Feller
President
Carl Feller brings 40 years of insurance expertise as Excalibur's founder, holding licenses in nearly every state. A certified Long-Term Care Professional, he specializes in complex underwriting cases and broker support through his 30+ carrier relationships.
Elena Corradino
Brokerage Business Manager
Elena Corradino combines insurance expertise with multilingual capabilities, supporting agents and clients through complex policy implementations. Her dual master's degrees and underwriting school certifications enhance her ability to match clients with optimal carrier solutions.
Questions
What life insurance options exist for people with health issues?
We specialize in impaired risk solutions, helping clients with medical conditions obtain coverage through tailored policy structures and specialized underwriting expertise.
How quickly can I get life insurance coverage?
Our streamlined process enables some policies to be approved and issued within 72 hours, including underwriting and medical requirements.
What's the difference between term and whole life insurance?
Term provides temporary coverage at lower costs, while whole life offers lifelong protection with cash value accumulation and guaranteed benefits.
Do you offer business insurance solutions?
Yes, we provide buy/sell agreements and key person insurance to protect business continuity through structured ownership transitions and disability coverage.
Can I get annuity income planning assistance?
Our experts help create guaranteed income streams through fixed and variable annuities tailored to retirement goals and risk tolerance levels.
How do you help insurance brokers?
We offer pre-underwriting guidance, carrier comparisons, and specialized support for complex cases through our 30+ carrier relationships.
