Life Insurance in and around Philadelphia
Protection for those you care about
What are you waiting for?

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It's Never Too Soon For Life Insurance
When facing the loss of your partner or a loved one, grief can be overwhelming. Regular day-to-day life halts as you prepare for arrange for burial funeral services, and try to move forward without your loved one.
Protection for those you care about
What are you waiting for?

Put Those Worries To Rest
The beneficiary designated in your Life insurance policy can help cover important living expenses for the ones you hold dear when you pass away. The death benefit can help with things such as medical expenses, utility bills or ongoing expenses. With State Farm, you can rely on us to be there when it's needed most, while also providing sensitive, dependable service.
With responsible, caring service, State Farm agent Joe Ems can help you make sure you and your loved ones have coverage if the unexpected happens. Visit Joe Ems's office now to discover the options that are right for you.
Have More Questions About Life Insurance?
Call Joe at (215) 333-5100 or visit our FAQ page.
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Simple Insights®
Cover two people with one policy, often at lower cost
Cover two people with one policy, often at lower cost
Joint universal life insurance can cover two people with an income tax-free death benefit paid to beneficiaries.
Irrevocable life insurance trust for a single person
Irrevocable life insurance trust for a single person
Estate taxes are imposed on all assets in an estate. Pay some of those taxes using an irrevocable life insurance trust.


Simple Insights®
Cover two people with one policy, often at lower cost
Cover two people with one policy, often at lower cost
Joint universal life insurance can cover two people with an income tax-free death benefit paid to beneficiaries.
Irrevocable life insurance trust for a single person
Irrevocable life insurance trust for a single person
Estate taxes are imposed on all assets in an estate. Pay some of those taxes using an irrevocable life insurance trust.