Insurance Licensing & Disclosures

Key Group Benefits

70 Hilltop Road, Suite 2450
Ramsey, NJ 07446

Phone: 201-604-2524

Key Group Benefits is an independent insurance agency serving individuals, families, professionals, and businesses. Our primary service area is New Jersey, including Ramsey, Bergen County, and Northern New Jersey.

Insurance services are provided by appropriately licensed producers. Producer authority may differ by state and line of insurance and should be confirmed at the time services are requested.

Insurance products and services are offered only in states where the applicable producer, agency, carrier, and other required parties are properly licensed or authorized. Key Group Benefits primarily offers insurance products in New Jersey and may assist clients in additional states when the appropriate licensing, appointments, and product availability are in place.

Not every product, carrier, coverage option, or service described on this website is available in every state. Availability may vary based on residency, risk location, underwriting requirements, carrier appointments, eligibility, and applicable law.

Key Group Benefits is an independent insurance agency. We may have access to more than one insurance market, but we do not represent every carrier or offer every insurance product available in a state or market. The carriers and options considered will depend on the circumstances of the request, applicable appointments, underwriting criteria, and product availability.

Insurance products are issued by third-party insurance carriers. Each carrier is responsible for its own underwriting, policy terms, pricing, administration, financial obligations, and claim decisions.

Key Group Benefits is a private insurance agency. We are not a government agency and are not affiliated with or endorsed by the State of New Jersey, the federal government, Medicare, Medicaid, or any health insurance marketplace. Government program eligibility and benefits are determined by the applicable government agency or program.

Website content is general information and is not an offer to insure. Submitting a website form or speaking with a producer does not bind, modify, renew, or cancel coverage. Quotes and coverage indications are subject to applications, underwriting, eligibility, verification, carrier approval, payment, and the terms and conditions of the issued policy or plan.

No coverage is effective unless confirmed in writing by an authorized representative after all applicable requirements have been satisfied.

Consumers can verify the status, license type, and authority of New Jersey insurance producers and organizations using the New Jersey Department of Banking and Insurance Licensee Search.

These links lead to third-party government or industry resources. Their records are the authoritative source for current license status.

If you have questions about licensing, product availability, or the producer handling your request, please contact us before submitting an application or making a coverage decision.