The Coverage Desk · Union County, NJ

Your coverage, explained.

Where to find gaps before they find you. Written for Union County families, not for insurance companies.

Coverage reviews · By appointmentServing all 21 Union County towns

Mortgage Protection

Coverage Desk

Mortgage Protection · For Homeowners

What happens to your mortgage if you can't make the payments?

A mortgage is usually the largest promise a family makes. Mortgage Protection helps make sure that promise does not depend on one perfect paycheck, one perfect year, or one perfect health stretch.

Mike reviews the balance, the household income picture, and the coverage you already have so you can see whether this belongs in your plan or not.

Who this is for: Anyone who bought a home in the last 10 years and hasn't reviewed their protection coverage.

Explore Mortgage Protection Schedule a free review

Medicare Advantage

Coverage Desk

Medicare Advantage · For Seniors 65+

Most Union County seniors are overpaying on Medicare. Here's how to find out if you're one of them.

Medicare mailers make every plan sound simple. The real question is whether your doctors, prescriptions, and budget fit the plan you are actually on.

An independent broker can compare the options available in your ZIP code instead of steering you toward one carrier's menu.

Who this is for: Anyone on Medicare Part A and B who hasn't compared plans in the last two years.

Explore Medicare Advantage Schedule a free review

Final Expense

Coverage Desk

Final Expense · Legacy Planning

Your neighbors have already made sure their families won't carry this weight.

Final Expense coverage is a simple way to handle the costs your family should not have to sort through at the hardest possible moment.

The right plan is not dramatic. It is practical, affordable, and built around leaving your family with one less burden.

Who this is for: Anyone who wants to leave their family with peace of mind and zero financial burden.

Explore Final Expense Schedule a free review

The Coverage Memo

Monthly · First Tuesday · 7 AM

Why your mortgage lender is going to ask for your homeowner's policy at closing - and what to do before they ask.

If you are buying a home in Union County, your lender is not asking for your homeowner's policy as a formality. They are confirming that the property behind the loan is protected before closing day arrives.

The move is to shop coverage before the closing package is on fire. That gives you time to compare carriers, understand deductibles, and avoid grabbing the first policy that gets emailed to the title company.

By Mike Vrlaku

Mike Vrlaku · Independent Insurance Broker · Affordable Insurance Marketplace

Read this month's full memo Get The Coverage Memo monthly

Every first Tuesday · Free

Mike Vrlaku · Independent insurance broker · Affordable Insurance Marketplace

Union County Life · Local Broker

"Independent means I compare multiple carriers so you get the right coverage — not somebody else's quota."

Meet your local broker

Mike Vrlaku

Independent Broker · Affordable Insurance Marketplace · New Jersey insurance license · Serving all 21 Union County towns

Insurance services provided through Affordable Insurance Marketplace — an independent brokerage platform.

After spending two decades watching mortgage clients get surprised by insurance costs at closing — or worse, find out their coverage wasn't what they thought it was — Mike built Affordable Insurance Marketplace to fix that. As an independent broker, he can shop multiple carriers to find the right coverage at the right price, rather than steering clients toward a single company's product.

Mike holds a New Jersey insurance license and operates AIM as an independent platform — meaning he works for the client, not the carrier. His three focus products are Mortgage Protection, Medicare Advantage, and Final Expense insurance, because those are the three areas where Union County families most consistently overpay or under-cover.

Union County towns: 21
independent AIM access: Multi-carrier
Priority coverage specialties: 3

Schedule a free coverage review

Responds in under 1 hour, weekdays · 732-977-9970 · mike.vrlaku@nafinc.com · https://www.linkedin.com/in/michaelvrlaku · https://www.instagram.com/michaelvrlaku · https://www.affordableinsurancemarketplace.com

Your pre-approval is only half the story

After coverage comes the mortgage. Here's where to start.

The Mortgage Desk has today's rates, The Friday Memo, and Mike - your lender for all 21 Union County towns.

Visit The Mortgage Desk Read The Friday Memo