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Meet the Staff

Ida Caponegro, CISR

Ida Caponegro is Licensed NJ Insurance Broker and a certified CSR® possessing a vast amount of experience working with small and large business on their General Liability, Property and Workers Compensation Insurance.

Ida has over 38 years experience and has worked for several large NYC Based Insurance companies including the Greater NY Insurance Company, Saint Paul Companies (a division of Travelers) and Frank Crystal & Co. She managed cases of both small and large clients from multi-million dollar businesses where the average premiums ranged from $50,000 to over $600,000.

Ida and her husband/business partner Ernie live in Point Pleasant with their three boys, Ernest 32, Matthew 28, and Luke 21.  Ida & Ernie have operated I E Insurance Agency together since 2006.

Ernest M. Caponegro CLCS, CSA®

Mr. Ernest Caponegro holds Life and P&C Insurance licenses in several states in addition to New Jersey. Ernest started his career on Wall Street in the fall of 1977, ran for NJ political office first as the Hudson County Surrogate Office in 1992, and again in 1994 for a NJ State Congressional seat. He served as treasurer for Jersey City UNICCO from 1993-1998.

Ernest is one of only 33,000 Certified Senior Advisers in the nation. To become a Certified Senior Adviser, he completed a 15-part program of study of the physical, financial, emotional and personal issues that affect the daily lives of seniors taught by the Society of Certified Senior Adviser, (SCSA). The SCSA is the worlds largest member organization training professionals to serve the changing needs of a growing senior population. As the co-owner of I & E Insurance Agency, he brings over 40 years of experience to individuals, families, seniors and small businesses who need assistance.

Mr. Caponegro attended the Hartford School of Insurance and earned the National Underwriter Company’s CLCS designation. The Hartford School of Insurance has been granted the authority by the National Underwriting Company to confer this designation on agents who successfully complete the Commercial Lines Producer and CSR schools. The candidates must have concluded the two-phased program by passing each exam with a minimum of 70%.

The CLCS designation, short for Commercial Lines Coverage Specialist, is awarded to those students who have demonstrated extensive knowledge in the critical functional area of commercial property coverage and will apply that knowledge in real life cases. Holders of the CLCS designation have exhibited advanced coverage expertise and career professionalism.

& E Insurance opened an independent office in 1998 and became a fully operational in October of 2002. I E Insurance Agency secured it’s NJ State Independent license in 2006. I & E Insurance Agency offers all forms of Insurance for Business, Personal and Commercial needs.

Ernest has coached several local soccer and football teams and was a past Boy Scout Leader of Troop 32 of Brick and a Troop 6 of Point Pleasant Beach and has been a member of the Brick Town Police Athletic League (PAL) Board of Directors for 19 years. The Brick PAL’s mission is to improve the lives of local children. Ernest was a board member and former trustee board member of the Positive Earth Drivers Club  www.pedc.org and a 1st Degree Knight and member of the Knights of Columbus of Saint Martha’s Church Point Pleasant and was a past Vice President and present member of the Father Club at Christian Brothers Academy of Lincroft, NJ.

Customer Service Representatives:

Please help I&E welcome our new customer service representatives: Sydney and Lisa.  These two joined our team in the beginning of November.

Lifetime Annuities

Lifetime Annuities

A lifetime annuity is a financial instrument that can provide you with a fixed stream of retirement income, and it may offer protection against the possibility of outliving your savings. Annuities allow the holder, or annuitant, to make a lump-sum payment or a series...

What Is a Health Insurance Deductible?

When you enroll in a health insurance plan, regardless of whether it’s a plan through your employer, the Marketplace, Medicare or a private plan, there are certain plan components you must understand. One of those components is your deductible, or your out-of-pocket...

I & E Insurance Agency Blog

I & E Insurance Agency Blog

When you enroll in a health insurance plan, regardless of whether it’s a plan through your employer, the Marketplace, Medicare or a private plan, there are certain plan components you must understand. One of those components is your deductible,…

Paying Off a Mortgage After an Untimely Death

Choosing a Medicare Provider

How to find Medicare Providers in your Area The easiest way to find providers is directly on Medicare’s website. You can search by area, provider type, and specific agency name. You can also learn more about the different providers available to you simply by clicking...

Who Should Carry Builders Risk Insurance?

Who Should Carry Builders Risk Insurance?

Builders risk is an insurance specialized for dangers that specific industries face. This insurance covers property under construction against incidents with fire, lightning, hail, theft, vandalism and other dangers. Property possibly covered beneath a builders risk...

Do You Need Life Insurance During Retirement?

Do You Need Life Insurance During Retirement?

You’re older and wiser. You’ve planned well and created the retirement that you want and need. Perhaps you’ve held onto your life insurance throughout your lifetime so far and are now wondering if you should continue to do so; it seems like it might be unnecessary...

Paying Off a Mortgage After an Untimely Death

The Medicare Open Enrollment Period is Here

What can I do during the Open Enrollment Period? Some of the options that you can take during this seven-week window include the ability to: Change your Medicare coverage to a different plan Enroll in additional plans such as Medicare Part D Change your coverage from...

Paying Off a Mortgage After an Untimely Death

Medicare Supplemental Plans

Here’s some of the key features and differences of each Medigap Plan: Plan A Medigap Part A 100% covers the following: Part A coinsurance and hospice Hospital costs Part B Copays/coinsurance First 3 pints of blood Plan B Part B provides 100% coverage for: Part A...

Five Star NJHA 24 Ernest Caponegro