About Santiago J.

SANTIAGO J. MAJAM is an accomplished Insurance and Financial Services Professional, with a solid track record of 40 years of proven performance, experience, and wisdom in this highly specialized field. He founded YOU KEEP FINANCIAL NETWORK upon securing an Independent General Agency and Brokerage contract from USA member companies of the World’s Largest Insurers, namely, AEGON Group and AIG Group. He is currently representing Transamerica Agency Network Inc., American Equity Investment Life, Lincoln Financial Group, Mass Mutual Financial Services, AIG, Allianz. With full access and experience in all these companies’ products and financial services with different underwriting philosophies, we are able to provide our clients some of the best options in the industry based on financial strength, product design and competitiveness of rates to consumers. YOU KEEP FINANCIAL NETWORK started as a family business, established on a solid track record of 40 years of professional experience in the insurance and financial planning services industry of its founder Santiago J. Majam. YKFN was built on this core principle of “Customer Comes First” in our dealings with existing and prospective clients. Our personal motivation is to form strong client relationships based on respect, trust and confidence, loyalty, and integrity with excellent products and services. Through the years, YKFN has evolved into an umbrella organization designed to build a strategic network of independent financial representatives & insurance brokers who are motivated to run their own insurance & financial services agency. Maintaining our independence from the companies we are representing enables us to always provide what is most beneficial to our clients. YKFN offers network Associates ‘Group Strength’ that is anchored on established reputation in the Insurance & Financial Services industry. Based on our group strength, we are able to provide our Associates with the leverage of proven experience and performance to negotiate successfully with big financial & insurance companies. Without this group strength to back him up, a lone ranger financial representative or insurance agent will face a difficult climb. YKFN offers member Associates insurance brokerage business without being appointed first with the right company as the Agency has the resources and existing appointments most of the time with the right company. YKFN offers member Associates the unique advantage of on-the-job training, guidance and experience with adequate tools and support, and sharing best practices to enjoy greater success, while managing their own independent insurance & financial services practice and agency. YOU KEEP FINANCIAL NETWORK organization stands as a legacy of hard work, proven performance, genuine concern for people, and professional and ethical insurance & financial services that would guide public consumers in their everyday financial decisions to their best interest, with the end goal of making a difference in people’s lives.

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Santiago J. Majam
49 W Mt. Pleasant Ave Unit 384
Livingston, NJ 07039-0384

P: 1-800-968-5337
F: 973-547-3302


Planning Today Your Tomorrow's Legacy

Santiago J. can help with...

  • Life Insurance

    Life insurance is a contract between an insured (insurance policy holder) and an insurer, where the insurer promises to pay a designated beneficiary a sum of money (the "benefits") upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. The policy holder typically pays a premium, either regularly or as a lump sum. Other expenses (such as funeral expenses) are also sometimes included in the benefits.

  • Long Term Care

    Long-term care insurance (LTC or LTCI), an insurance product sold in the United States, United Kingdom and Canada, helps provide for the cost of long-term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

  • Final Expense

    Final Expense policies are limited premium payment whole life policies that, although available at almost any age, are usually purchased by older applicants. This type of insurance is designed to cover specific funeral expenses when the insured person dies, which the applicant has designated in a preneed funeral goods & services contract with a funeral home.

  • Health

    Health insurance is insurance against the risk of incurring medical expenses among individuals. By estimating the overall risk of health care and health system expenses among a targeted group, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to ensure that money is available to pay for the health care benefits specified in the insurance agreement.

  • Medicare

    In the United States, Medicare is a national social insurance program, administered by the U.S. federal government since 1965, that guarantees access to health insurance for Americans ages 65 and older and younger people with disabilities as well as people with end stage renal disease (Medicare.gov, 2012) and persons with Lou Gehrig’s Disease.

  • Annuities

    In the United States an annuity contract is created when an insured party, usually an individual, pays a life insurance company a single premium that will later be distributed back to the insured party over time. Annuity contracts traditionally provide a guaranteed distribution of income over time, such as via fixed payments, until the death of the person or persons named in the contract or until a final date, whichever comes first.