Who We Are
At Emerald Financial, we strive to assist you in understanding your financial options in this ever-changing world. We are here to provide you services and resources that help you realize your dreams and help you achieve your goals.
Our corporate office is located in Bridgewater, New Jersey, with satellite offices in Clifton, Edison, Englewood Cliffs and Manasquan, NJ, and an office in the Financial District of Manhattan, NY. Our network of financial professionals helps thousands of individuals and business owners1 grow and protect wealth by implementing quality financial solutions, while providing exemplary service.
Our associates have many years of experience and have expertise in retirement services, estate planning, charitable giving, business insurance, executive compensation, employee benefits, and financial products and strategies. We have teams representing the Asian Indian, Hispanic, Chinese, Korean, African American and LGBT communities, who understand the unique planning needs of people with these cultural and social backgrounds.
General Agent, Emerald Financial Michael Vesuvio
We are deeply committed to improving the quality of life in the communities we serve. In 2008, we founded Emerald Bikes for Kids, a charity that helps underprivileged children realize the dream of owning their own bicycle and enjoy the benefits of the healthy lifestyle that comes with riding a bicycle. In 2014, we hosted two Emerald Bikes 4 Kids events, in which we raised funds to donate bicycles, helmets and locks to approximately 400 students in Bergen and Somerset Counties. We hope to continue this highly-successful event for years to come.
Our Measures of Community Value
Through 2013, Emerald Financial has:
- over $3.4 billion of life insurance coverage in force2.
- paid over $6.9 million in life insurance benefits3 and $1.2 million in disability income insurance benefits (claims)4 to our clients.
- paid $806,000 in dividends5 to Emerald Financial clients who own eligible participating whole life policies with MassMutual.
- distributed $9.6 million in free6 life insurance to eligible families as part of MassMutual’s LifeBridgeSM Program.
1 An insured, owner, or payer of a MassMutual policy or contract (12/31/2013).
2 Amount of individual life insurance in force at the end of the period related to products issued by Massachusetts Mutual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company (12/31/2013).
3 Amount of individual life insurance claims paid during the period related to products issued by Massachusetts Mutual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company (12/31/2013).
4 Amount of disability income insurance claims paid during the period related to products issued by Massachusetts Mutual Life Insurance Company (12/31/2013).
5 The amount of dividends to whole life policyowners in 2013.
6 MassMutual pays the premiums (12/31/2013).