Disability insurance companies in New Jersey ensure financial protection for individuals unable to work due to illness or injury. The industry is integral to safeguarding personal and professional livelihoods, offering various products tailored for the needs of individuals, businesses, and high-net-worth clients. Key trends include an increasing focus on personalized policies and technological advancements in claims processing, aimed at enhancing accessibility and efficiency. As awareness of the importance of income protection grows, these companies are adapting to offer more innovative solutions that meet the evolving financial risks faced by today's workforce.

The companies featured here span from small boutique agencies to established firms, with workforces ranging from 11 to over 500 employees. Most were founded between the mid-20th century and the recent decade, indicating a mix of longevity and fresh perspectives in the market. They specialize in various products, including individual and group disability insurance, reflecting a commitment to diverse consumer needs across New Jersey and beyond. Many firms are independent, while some operate under larger corporate umbrellas, enhancing their reach and product capacities.

Read on to uncover the top disability insurance companies in New Jersey.

Top 20 Disability Insurance Companies in New Jersey

1. Exceptional Risk Advisors, LLC

• Website: exceptionalriskadvisors.com
• Ownership type: Private
• Headquarters: Saddle Brook, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2007
• Headcount: 11-50
• LinkedIn: exceptionalriskadvisors

Exceptional Risk Advisors, LLC, founded in 2007 and based in Saddle Brook, New Jersey, is an insurance agency that specializes in high-limit disability insurance and risk management solutions. The firm primarily serves affluent clients, including executives, athletes, and entertainers, by offering customized insurance products designed to protect their income and assets against unforeseen events. With a team of experienced professionals, Exceptional Risk Advisors has developed a reputation for understanding the unique financial risks faced by high earners. Their product offerings include key person disability, buy-sell disability, and multi-life disability insurance, among others. The company operates in a niche market, providing coverage that traditional insurers often cannot accommodate, thus filling a critical gap in the insurance landscape for high-net-worth individuals.

2. Madison Brokerage

• Website: madisonbrokerage.com
• Ownership type: Private
• Headquarters: Florham Park, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2006
• Headcount: 11-50
• LinkedIn: madison-brokerage

Madison Brokerage, founded in 2006 and based in Florham Park, New Jersey, operates as a private insurance brokerage. With a team of 11 to 50 employees, the company specializes in a range of insurance products, including life insurance, disability insurance, and annuities. Madison Brokerage collaborates with independent agents and financial planners, providing customized insurance solutions that cater to the specific needs of their clients. Their focus on disability insurance highlights their commitment to this segment of the market. As a subsidiary of Acrisure LLC, Madison Brokerage benefits from a robust network and resources, positioning them well within the insurance industry. They offer comprehensive underwriting support and a variety of resources to assist their partners in navigating the complexities of insurance products.

3. Meyer and Associates

• Website: meyerandassoc.com
• Ownership type: Corporate
• Headquarters: Chatham, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: May 2011
• Founded year: 1973
• Headcount: 11-50
• LinkedIn: meyer-and-associates

Meyer and Associates, based in Chatham, New Jersey, is an insurance agency and financial services provider founded in 1973. The company specializes in a variety of insurance products, including life insurance, long-term care insurance, and long-term disability insurance. Meyer and Associates primarily serves individuals and organizations, focusing on customized financial protection and planning solutions. They have developed partnerships with numerous alumni associations, offering exclusive insurance programs tailored to the needs of alumni and their families. With a client base that includes over 100,000 insureds and more than 150 insured groups, Meyer and Associates has established a significant presence in the insurance market. Their commitment to customer service and long-term relationships is evident in their advisory services, which help clients navigate their insurance options effectively.

4. Zenith Marketing Group

• Website: zenithmarketing.com
• Ownership type: Corporate
• Headquarters: Freehold Township, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: March 2018
• Founded year: 1995
• Headcount: 51-200
• LinkedIn: zenith-marketing-group

Zenith Marketing Group, known as Ash Brokerage, is an insurance brokerage based in Freehold Township, New Jersey, founded in 1995. The company specializes in providing a variety of insurance solutions, including life insurance, retirement planning, long-term care, and notably, disability insurance. Ash Brokerage serves financial professionals, such as advisors and wealth managers, by equipping them with the necessary tools and resources to help secure their clients' financial futures. Their approach emphasizes building relationships and offering tailored support to enhance the effectiveness of financial advisors in protecting their clients' most valuable asset—their ability to earn a consistent paycheck. Ash Brokerage represents over 80 top-rated insurance carriers, allowing them to offer a wide range of options to meet the unique needs of their clients. The company has not reported any recent funding, indicating a stable operational model since its inception.

5. Acorn Financial Services, Inc.

• Website: acornfs.com
• Ownership type: Private
• Headquarters: Livingston, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1984
• Headcount: 51-200
• LinkedIn: acorn-finacial-services

Acorn Financial Services, Inc., founded in 1984 and based in Livingston, New Jersey, is a financial services firm that provides a variety of products aimed at helping individuals and businesses manage their financial health. The company specializes in areas such as financial planning, investment services, and insurance solutions. Among their offerings, Acorn Financial includes disability income insurance, which is crucial for clients looking to protect their income in the event of a disability. They serve a broad client base across the Northeast, with multiple offices in New Jersey, Pennsylvania, New York, and Connecticut. Acorn Financial prides itself on building long-term relationships with clients, tailoring their services to meet unique financial goals and needs. Their affiliation with various financial organizations allows them to offer a range of high-quality products, enhancing their ability to serve clients effectively.

6. MassMutual New Jersey-NYC

• Website: nj-nyc.massmutual.com
• Ownership type: Private
• Headquarters: Warren, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1998
• Headcount: 51-200
• LinkedIn: massmutual-nj-nyc

MassMutual New Jersey-NYC is a financial services firm based in Warren, New Jersey, founded in 1998. The company operates as a private entity with a workforce of approximately 101 employees. It provides a comprehensive suite of financial products, including retirement accounts, life insurance, and investment services. A significant aspect of their offerings is disability income insurance, which aims to protect individuals and families from the financial impact of unexpected disabilities. The firm employs a network of financial professionals who work closely with clients to develop personalized financial strategies, ensuring that they are prepared for various life changes and challenges. MassMutual New Jersey-NYC is part of the larger MassMutual organization, which enhances its credibility and resources in the financial services industry.

7. Automatic Data Processing Insurance Agency, Inc.

• Website: insurance.adp.com
• Ownership type: Private
• Headquarters: Roseland, New Jersey, United States (USA)
• Employee distribution: United States (USA) 97%, Other 3%
• Founded year: 1992
• Headcount: 501-1000
• LinkedIn: automatic_data_processing_insurance_agency_inc

Automatic Data Processing Insurance Agency, Inc. (ADPIA) is an insurance agency based in Roseland, New Jersey, founded in 1992. As a private entity with a workforce of approximately 518 employees, ADPIA specializes in a variety of insurance products, including workers' compensation, business insurance, and health benefits. The agency plays a significant role in helping businesses manage risks associated with employee safety and liability. Notably, ADPIA provides access to disability insurance, offering both short-term and long-term options to protect employees from unexpected events that could hinder their ability to work. By connecting clients with various insurance carriers, ADPIA aims to deliver customized coverage solutions that align with the unique needs of each business. The agency operates primarily within the United States and is licensed in all 50 states, ensuring broad accessibility for its services.

8. Cosmo Insurance Agency

• Website: cosmoins.com
• Ownership type: Private
• Headquarters: Lakewood, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2009
• Headcount: 11-50
• LinkedIn: cosmo-insurance-agency

Cosmo Insurance Agency, founded in 2009 and based in Lakewood, New Jersey, is a private insurance agency that provides a wide array of insurance products. These include health, dental, life, long-term care, and notably, disability insurance. The agency serves both individual clients and businesses, assisting them in finding affordable and comprehensive coverage tailored to their specific needs. With a team of 11 to 50 employees, Cosmo emphasizes customer service and aims to build long-term relationships with clients. They have expanded their offerings over the years, responding to market demands and client needs, and have developed a reputation for being responsive and supportive in navigating the complexities of insurance. Their focus on disability insurance reflects their commitment to safeguarding clients against unexpected events that could impact their ability to work.

9. Risk Strategies | KRA Insurance

• Website: krainsurance.com
• Ownership type: Private
• Headquarters: Springfield, New Jersey, United States (USA)
• Employee distribution: Kenya 100%
• Founded year: 1950
• Headcount: 11-50
• LinkedIn: krainsurance

Risk Strategies | KRA Insurance, based in Springfield, New Jersey, has been serving clients since 1950. This independent insurance agency specializes in a wide array of insurance products, including personal, business, employee benefits, and life insurance. They cater to individuals and businesses primarily in the tri-state area, helping clients manage risks and protect their assets through customized insurance solutions. KRA Insurance Agency prides itself on its client-first approach, emphasizing personalized service and professional advice. Their offerings include group health, vision, dental, and notably, disability insurance, which is part of their employee benefits package. This indicates their involvement in the insurance industry, particularly in providing essential coverage options for workforce protection. The agency is licensed in multiple states, enhancing its ability to serve a broader client base.

10. The Fortis Agency

• Website: thefortisagency.com
• Ownership type: Private
• Headquarters: Holmdel, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2019
• Headcount: 11-50
• LinkedIn: the-fortis-agency

The Fortis Agency, founded in 2019 and based in Holmdel, New Jersey, is a private financial services agency that specializes in comprehensive financial strategies, insurance products, and tax services. With a team of around 20 employees, the agency aims to empower clients by providing tailored solutions that protect and grow their wealth. A notable aspect of their offerings is the focus on disability insurance for physicians, highlighting their commitment to addressing the unique needs of this professional sector. The agency is also a proud member of the National Association of Insurance and Financial Advisors (NAIFA), which underscores their dedication to industry standards and client advocacy. Their mission revolves around delivering high-quality financial products while supporting financial advisors across the country, ensuring that they can effectively serve their clients. The Fortis Agency's approach combines legal, tax, and financial expertise, making them a relevant player in the financial services and insurance markets.

11. Owens Group Insurance

• Website: owensgroup.com
• Ownership type: Family Owned
• Headquarters: Englewood Cliffs, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1957
• Headcount: 11-50
• LinkedIn: owens-group-limited-inc-

Owens Group Insurance, established in 1957, is a family-owned insurance agency based in Englewood Cliffs, New Jersey. The company specializes in a wide array of insurance solutions tailored for individuals, families, and businesses. Their offerings include personal insurance, life and health insurance, employee benefits, and business insurance. Notably, they provide individual disability income insurance, which is designed to protect clients' income in the event of a disability. This focus on disability insurance highlights their commitment to addressing the unique needs of their clients. Owens Group prides itself on personalized service, leveraging their extensive experience and partnerships with reputable insurers to deliver comprehensive risk management solutions. Their team is dedicated to helping clients navigate the complexities of insurance, ensuring that they are well-protected against unforeseen events. The company also engages in community support through The Owens Group Foundation, reflecting their commitment to social responsibility.

12. Liberty Insurance Associates

• Website: libertyinsurance.com
• Ownership type: Private
• Headquarters: Millstone, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1934
• Headcount: 11-50
• LinkedIn: liberty-insurance-associates

Liberty Insurance Associates, based in Millstone, New Jersey, is an independent insurance agency that has been serving clients since 1934. With a team of approximately 35 employees, the agency focuses on providing tailored insurance solutions and wealth management services to both individuals and businesses. Their offerings include personal insurance, business insurance, and life and health insurance, with a notable emphasis on long-term disability insurance as part of their wealth management services. The agency prides itself on client advocacy and expert counsel, aiming to protect clients from unexpected risks and secure their financial futures. Liberty Insurance Associates is committed to community involvement and has received recognition within the insurance industry for its service and workplace culture.

13. Legacy Planning Group, LLC

• Website: lpgnj.com
• Ownership type: Private
• Headquarters: Keyport, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2010
• Headcount: 11-50
• LinkedIn: legacy-planning-group-llc

Legacy Planning Group, LLC, also known as Legacy Insurance Group, is an independent insurance agency based in Keyport, New Jersey. Founded in 2010, the company operates across New Jersey, New York, Pennsylvania, and Florida, providing a wide array of insurance products. Their offerings include personal insurance, business insurance, life insurance, health insurance, and Medicare solutions. Notably, they provide individual disability insurance and group disability insurance as part of their health insurance services. The agency prides itself on its independent status, allowing it to partner with various reputable insurance carriers to find the best coverage options for its clients. This approach enables them to cater to both individual consumers and businesses, helping them navigate the complexities of the insurance market. Legacy Planning Group emphasizes customer service and aims to deliver tailored solutions that meet the specific needs of their clients.

14. Schechner Lifson

• Website: slcinsure.com
• Ownership type: Private
• Headquarters: Summit, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1903
• Headcount: 11-50
• LinkedIn: schechner-lifson-corporation-inc.

Schechner Lifson Corporation, founded in 1903 and based in Summit, New Jersey, is a private insurance agency with a workforce of approximately 40 employees. The company provides a comprehensive range of insurance products, including personal, commercial, health, and life insurance. They serve both individual consumers and businesses, helping clients manage risks and protect their assets through customized insurance solutions. Schechner Lifson emphasizes customer service and collaborates closely with clients to ensure they have the necessary coverage tailored to their unique needs. Their offerings include group employee benefits, which encompass long-term and short-term disability insurance, indicating their involvement in the disability insurance market. As an independent firm, they are not tied to any specific insurance company, allowing them to offer a variety of options to their clients.

15. Centric Benefits Consulting

• Website: centricbenefits.com
• Ownership type: Family Owned
• Headquarters: New Providence, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1995
• Headcount: 1-10
• LinkedIn: centric-benefits-consulting

Centric Benefits Consulting, based in New Providence, New Jersey, has been operating since 1995. This family-owned insurance brokerage specializes in providing employee benefits solutions, which include medical, dental, life, vision, and notably, disability insurance. The firm serves over 200 group insurance clients, helping businesses navigate their insurance options and manage costs effectively. Their services include soliciting competitive quotes, analyzing current benefits coverage for potential cost savings, and facilitating customer service issues such as claims and enrollment. The company prides itself on delivering tailored benefits programs that meet the unique needs of each client, ensuring a personalized approach to employee benefits.

16. Rue Insurance

• Website: rueinsurance.com
• Ownership type: Private
• Headquarters: Hamilton Township, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1917
• Headcount: 51-200
• LinkedIn: rue-insurance

Rue Insurance, founded in 1917, is a private insurance agency based in Hamilton Township, New Jersey. With a workforce of around 64 employees, the company specializes in a wide array of insurance solutions, including business, employee benefits, and personal insurance. Rue Insurance serves both businesses and individual consumers, helping them manage risks and protect their assets through customized insurance products. Their offerings include disability insurance as part of their employee benefits package, showcasing their commitment to supporting workforce well-being. Operating primarily in New Jersey, Pennsylvania, and North Carolina, Rue Insurance has established itself as a reliable partner for clients seeking tailored insurance solutions. Their extensive experience in the industry and focus on risk management further enhance their credibility in the insurance market.

17. Allwood Forlenza Agency

• Website: afcainsurance.com
• Ownership type: Private
• Headquarters: Fairfield, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1939
• Headcount: 11-50
• LinkedIn: allwood-forlenza-agency

Allwood Forlenza Agency, based in Fairfield, New Jersey, has been serving clients since 1939. This privately owned insurance agency provides a wide array of insurance products and risk management solutions tailored for both individuals and businesses. With a team of 19 employees, they emphasize a hands-on approach, conducting on-site assessments and offering in-house claims support to ensure their clients receive comprehensive protection. Their offerings include personal insurance, commercial insurance, health insurance, and financial services. Notably, they provide disability insurance as part of their life and health insurance products, catering to the needs of clients looking for financial security in the event of a disability. Their commitment to client service and extensive experience in the industry positions them as a reliable option for those seeking disability insurance, although they may not be as prominent as larger, specialized firms.

18. J. Byrne Agency

• Website: jbyrneagency.com
• Ownership type: Family Owned
• Headquarters: Wildwood, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1946
• Headcount: 51-200
• LinkedIn: j.-byrne-agency-inc.

J. Byrne Agency, established in 1946 and based in Wildwood, New Jersey, is a family-owned insurance agency. With a workforce of around 52 employees, the agency provides a variety of insurance products, including auto, homeowners, life, and business insurance. They cater to both individual consumers and businesses, aiming to protect assets and manage risks effectively. The agency is also noted for its community involvement, engaging in local initiatives and supporting causes such as hunger relief. Their website highlights a commitment to customer service and community engagement, showcasing their dedication to building relationships with clients and contributing positively to their locality.

19. EAB Insurance Group

• Website: eabprotects.com
• Ownership type: Private
• Headquarters: Green Brook Township, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1950
• Headcount: 11-50
• LinkedIn: ea-boniakowski-agency

EAB Insurance Group, founded in 1950, is an independent insurance agency based in Green Brook Township, New Jersey, with an additional office in Boulder, Colorado. The agency provides a comprehensive suite of insurance solutions, including personal, business, and employee benefits. Their offerings include group health, dental, vision, and notably, disability insurance. EAB Insurance Group prides itself on understanding the unique needs of its clients, which allows them to tailor insurance products effectively. They have built strong partnerships with various insurance companies, enhancing their ability to offer competitive options. The agency is also actively involved in community support, contributing to numerous local nonprofit organizations, which reflects their commitment to social responsibility. With a team of around 22 employees, EAB Insurance Group continues to grow while maintaining a focus on client satisfaction and risk management strategies.

20. Cedar Risk Management

• Website: cedarrisk.com
• Ownership type: Private
• Headquarters: Flemington, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1971
• Headcount: 11-50
• LinkedIn: cedar-risk-management

Cedar Risk Management & Insurance Services, Inc., based in Flemington, New Jersey, has been serving clients since its establishment in 1971. This independent insurance agency provides a wide array of personal and commercial insurance products, including home, auto, and business insurance. They emphasize customer service and education, aiming to help clients understand their insurance needs and navigate the complexities of coverage options. Cedar Risk Management has also expanded its services to include employee benefits, which encompasses disability insurance among other offerings. The agency prides itself on its commitment to clarity, efficiency, and honesty in its dealings with clients, ensuring that they receive tailored solutions that meet their specific requirements. With a team of knowledgeable professionals, Cedar Risk Management seeks to deliver a personalized insurance experience, focusing on the unique needs of each client.

Disability Insurance Insights: Key Companies in New Jersey

Company	Headquarter	Size	Founded	Ownership
Exceptional Risk Advisors, LLC	Saddle Brook, New Jersey, United States (USA)	11-50	2007	Private
Madison Brokerage	Florham Park, New Jersey, United States (USA)	11-50	2006	Private
Meyer and Associates	Chatham, New Jersey, United States (USA)	11-50	1973	Corporate
Zenith Marketing Group	Freehold Township, New Jersey, United States (USA)	51-200	1995	Corporate
Acorn Financial Services, Inc.	Livingston, New Jersey, United States (USA)	51-200	1984	Private
MassMutual New Jersey-NYC	Warren, New Jersey, United States (USA)	51-200	1998	Private
Automatic Data Processing Insurance Agency, Inc.	Roseland, New Jersey, United States (USA)	501-1000	1992	Private
Cosmo Insurance Agency	Lakewood, New Jersey, United States (USA)	11-50	2009	Private
Risk Strategies | KRA Insurance	Springfield, New Jersey, United States (USA)	11-50	1950	Private
The Fortis Agency	Holmdel, New Jersey, United States (USA)	11-50	2019	Private
Owens Group Insurance	Englewood Cliffs, New Jersey, United States (USA)	11-50	1957	Family Owned
Liberty Insurance Associates	Millstone, New Jersey, United States (USA)	11-50	1934	Private
Legacy Planning Group, LLC	Keyport, New Jersey, United States (USA)	11-50	2010	Private
Schechner Lifson	Summit, New Jersey, United States (USA)	11-50	1903	Private
Centric Benefits Consulting	New Providence, New Jersey, United States (USA)	1-10	1995	Family Owned
Rue Insurance	Hamilton Township, New Jersey, United States (USA)	51-200	1917	Private
Allwood Forlenza Agency	Fairfield, New Jersey, United States (USA)	11-50	1939	Private
J. Byrne Agency	Wildwood, New Jersey, United States (USA)	51-200	1946	Family Owned
EAB Insurance Group	Green Brook Township, New Jersey, United States (USA)	11-50	1950	Private
Cedar Risk Management	Flemington, New Jersey, United States (USA)	11-50	1971	Private

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