Best Life Insurance In Maine
Maine’s life insurance laws are governed by Title 24 of the Maine Revised Statutes.
- 10-day free look period (ME Rev. Stat Ann. Tit. 24-A 2515-A)
- 30-day grace period (ME Title 24:2505)
- Any claims not paid within 30 days are subject to interest (ME Title 24:2436)
- Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash surrender value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, Maryland’s life insurance laws and Massachusetts’s life insurance laws are nearly identical to those of Maine).
How Much Is A $10,000 Whole Life Policy In Maine?
The table below shows the rates by age of $10,000 of whole life insurance in Maine.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.89 | $16.47 | $14.02 | $15.75 |
| 25 | $16.15 | $18.20 | $15.46 | $16.88 |
| 30 | $17.67 | $20.50 | $16.68 | $18.71 |
| 35 | $18.79 | $22.26 | $17.36 | $21.18 |
| 40 | $20.95 | $24.58 | $19.84 | $23.39 |
| 45 | $23.45 | $28.46 | $22.56 | $27.05 |
| 50 | $27.69 | $33.61 | $24.53 | $31.64 |
| 55 | $32.88 | $39.68 | $28.24 | $37.27 |
| 60 | $38.59 | $47.65 | $33.52 | $42.12 |
| 65 | $48.27 | $58.10 | $41.62 | $51.05 |
| 70 | $60.30 | $71.28 | $52.52 | $60.44 |
| 75 | $97.83 | $132.92 | $71.39 | $94.94 |
| 80 | $134.89 | $182.21 | $97.86 | $135.73 |
| 85 | $188.35 | $258.11 | $132.06 | $193.19 |
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Best Life Assurance In Auburn
Auburn is a vibrant city renowned for its rich history, strong community spirit, and diverse cultural offerings. Nestled in the heart of [State/Region], this thriving city offers a unique blend of small-town charm and big-city amenities. From picturesque parks and recreational facilities to top-notch education institutions, including the prestigious [University/College if applicable], Auburn provides an ideal environment for families, students, and professionals alike. The city’s bustling downtown area, full of eclectic shops, restaurants, and galleries, perfectly complements its scenic natural surroundings. Auburn’s calendar is filled with community events and festivals, showcasing the city’s inclusive atmosphere and love for celebration. Whether you’re drawn to its educational opportunities, economic prospects, or simply the warmth of its residents, Auburn is a city that welcomes all with open arms and promises a high quality of life.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Prestige insurance Auburn | 31 Court St 2 ,3 | +12075077281 |
| Met Life Auto & Home Insurance | 1117 Center St | +12077867676 |
| Horace Mann Insurance Co | 909 Minot Ave | +12077833660 |
| Varney Agency | Auburn ME | 195 Center St | +12077860417 |
| Pinetree Retirement Planning | 20 Union St # 2 | +12077869670 |
| Dave Bochtler: Allstate Insurance | 250 Center St | +12077830766 |
| United Insurance | 31 Court St | +12077845181 |
| Farmers Insurance – Lisa Holt | 1117 Center St | +12077867676 |
| Jonathan Morse at Comparion Insurance Agency | 45 Memorial Cir Ste 100 | +12074806113 |
| Matthew Oliver at Comparion Insurance Agency | 45 Memorial Cir Ste 100 | +12074806008 |
| SPD Insurance Agency | 2211 Congress St | +12077471421 |
Best Coverage In Lewiston
Lewiston is a picturesque city nestled in the heart of North Central Idaho, rich in history and natural beauty. Known for its vibrant community, Lewiston serves as a gateway to outdoor adventures, offering residents and visitors alike a perfect blend of urban and wilderness experiences. The city sits at the confluence of the Snake and Clearwater rivers, making it a prime location for fishing, boating, and water sports. Lewiston’s historic downtown area boasts charming shops, cafes, and a lively arts scene, while the surrounding rolling hills are dotted with vineyards showcasing the region’s emerging wine industry. As Idaho’s only seaport, Lewiston is a unique blend of cultural heritage, economic vitality, and recreational abundance, making it an inviting place for all who visit.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Prestige insurance Auburn | 31 Court St 2 ,3 | +12075077281 |
| George Eng at Comparion Insurance Agency | 45 Memorial Cir Ste 100 | +12074806003 |
| Joel Lockwood at Comparion Insurance Agency | 45 Memorial Cir Ste 100 | +12074806006 |
| Matthew Oliver at Comparion Insurance Agency | 45 Memorial Cir Ste 100 | +12074806008 |
| Bilodeau Insurance Agency | 541 Lisbon St | +12077844029 |
| Poirier Associates, LLC | 1125 Lisbon St | +12077860651 |
| Peter D Griffey – Aflac Insurance Agent | 529 East Ave | +12077407580 |
| Lisa Laliberte – State Farm Insurance Agent | 224 Russell St | +12077833332 |
| NFP | 681 Sabattus St | +12077849358 |
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Best Policies In Bangor
Nestled along the Penobscot River in the heart of Maine, Bangor exudes a unique blend of history, culture, and natural beauty. Known as the Queen City, Bangor captivates visitors with its charming downtown, vibrant arts scene, and picturesque waterfront. Steeped in a rich logging history, it once was the lumber capital of the world, with its past still echoing in the grand Victorian mansions that line its streets. Today, Bangor serves as a gateway to the vast wilderness of northern Maine, including the famed Acadia National Park, making it a perfect destination for both urban explorers and nature enthusiasts alike.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Emily Speid, Bankers Life Agent | 74 Harlow St | +12079473448 |
| Trusted Insurance Agency | 563 Odlin Rd | +12074894027 |
| Best Insurance Services | 60 Summer St #1 | +12073893760 |
| American Income Life | 145 Exchange St | +12075360074 |
| The Funk Agency | 180 Bangor Mall Blvd Suite 1001 | +12074642058 |
| Varney Agency | 32 Oak St | +12079478637 |
| Aflac: Scott A McCoy | 108 State St | +12079072046 |
| Northeast Benefit Solutions, Inc. | 108 State St | +12079072047 |
| Horace Mann Insurance Co | 115 Franklin St | +12079412121 |
| Rich McAdam Agency | 4 Union Plaza # 20 | +12079222279 |
| Bankers Life | 396 Griffin Rd Ste 108 | +12079473448 |
| Comparion Insurance Agency | 23 Water St #201 | +12079477326 |
| Harrison Stinson, Bankers Life Agent | 396 Griffin Rd Ste 108 | +12079473448 |
| Jenny Schnedler at Comparion Insurance Agency | 23 Water St #201 | +12072497165 |
Best Life Cover In Portland
Portland, nestled in the heart of the Pacific Northwest, is a vibrant city renowned for its stunning natural beauty, eclectic arts scene, and innovative culinary experiences. Framed by the majestic Cascade Mountains and the serene Willamette River, Portland offers an array of outdoor adventures, from hiking and biking to kayaking. Its unique neighborhoods are filled with a mixture of historic charm and modern innovation, housing everything from bespoke coffee shops and breweries to thriving local markets and boutique shops. Known as the “City of Roses” for its beautiful gardens and green spaces, Portland maintains a strong commitment to sustainability and environmentalism. With its welcoming community, rich cultural diversity, and a plethora of events and festivals throughout the year, Portland stands as a beacon of creativity and urban harmony.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Precious Insurance ME | 4 Newton St | +12077972203 |
| First Insurance Agency, LLC | 2320 Congress St | +12074827666 |
| Fast Response Insurance Co. | 181 State St #203 | +12073379943 |
| Coastal Insurance Agency | 4 Newton St | +12077974900 |
| Insurance of Maine | 97A Exchange St | +12072756761 |
| SPD Insurance Agency | 2211 Congress St | +12077471421 |
| Key Investment Services | 1 Canal Plaza STE 200 | +12077844548 |
| 88 | 500 Southborough Dr | +12073673605 |
| Sarah Curley at Comparion Insurance Agency | 180 Waterman Dr Suite 2b | +12074822167 |
| Jason Tremblay at Comparion Insurance Agency | 180 Waterman Dr Suite 2b | +12074822173 |
| The Bay Insurance Agency | 520 Ocean St | +12078036612 |
| Casco Bay Insurance Associates LLC | 254 Commercial St. Merrill, s Wharf Suite 245 | +12074894435 |
Best Life Insurance In South Portland
South Portland, nestled in Cumberland County, Maine, seamlessly blends the allure of coastal living with urban sophistication. This charming city, located on the southern shore of Casco Bay, is renowned for its breathtaking waterfront, historic lighthouses, and vibrant community life. South Portland boasts a robust economy, anchored by its bustling Maine Mall, the largest shopping complex in the state, diverse dining options, and a thriving arts scene. The city is also home to beautiful parks and trails, offering ample opportunities for outdoor recreation and relaxation. With its friendly neighborhoods and excellent quality of life, South Portland is not just a place to visit but a vibrant community to call home.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| First Insurance Agency, LLC | 2320 Congress St | +12074827666 |
| Fast Response Insurance Co. | 181 State St #203 | +12073379943 |
| SPD Insurance Agency | 2211 Congress St | +12077471421 |
| Insurance of Maine | 97A Exchange St | +12072756761 |
| New York Life Insurance Co: Gikas Timothy | 500 Southborough Dr | +12073673605 |
| Blue Goose, Inc. | 500 Southborough Dr Suite 300 | +12078072272 |
| Globe Life American Income Division: Fisher Organization | 12 Atlantic Pl | +12075360074 |
| Sarah Curley at Comparion Insurance Agency | 180 Waterman Dr Suite 2b | +12074822167 |
| The Bay Insurance Agency | 520 Ocean St | +12078036612 |
| 1st choice insurance co. | 175 Running Hill Rd #301 | +12076561382 |
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Top Life Insurance Companies In Maine
For the residents of the great state of Maine, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 0 – 85 years |
| Coverage Range | $1,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Very low prices
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Underwriting has become stricter (e.g., no insulin)
- Coverage limited to $25,000 for older applicants
Mutual of Omaha
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 45 – 85 years |
| Coverage Range | $2,000 – $50,000 |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
| Policy Type | Whole Life |
| Available States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Age Range | 45 – 89 years |
| Coverage Range | $2,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
Rikin Shah
Rikin is the Founder & CEO of GetSure. He is a licensed life, accident & health insurance agent in all 50 states (plus D.C.) and has over 15 years of experience in the financial services industry. He has been featured in publications such as Forbes, USA Today, and U.S. News & World Report, among others. Rikin holds a B.S. in Applied Mathematics from Columbia University and an MBA from The Stanford Graduate School of Business. If you'd like to speak with Rikin to discuss your life insurance options or questions, don't hesitate to email him at hello [at] getsure.org.
