Massachusetts’s life insurance laws are governed by Title 22 of the Laws of Massachusetts (Chapter 175).
- 10-day free look period (MA Gen Laws Ann. ch. 175 §187H)
- 30-day grace period on all payments made after the first year (MA ch. 175 §132)
- If the claim is not settled within 30 days, it begins to accrue interest (MA ch. 175 §119C)
- 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, Michigan’s life insurance laws and Minnesota’s life insurance laws are nearly identical to those of Massachusetts).
How Much Is A $10,000 Whole Life Policy In Massachusetts?
The table below shows the rates by age of $10,000 of whole life insurance in Massachusetts.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.87 | $17.18 | $14.40 | $15.78 |
| 25 | $16.01 | $18.17 | $15.52 | $17.59 |
| 30 | $16.94 | $19.87 | $16.42 | $18.91 |
| 35 | $18.46 | $22.21 | $17.75 | $20.50 |
| 40 | $20.93 | $25.24 | $20.03 | $23.30 |
| 45 | $23.75 | $29.08 | $22.31 | $27.79 |
| 50 | $28.02 | $33.37 | $24.70 | $31.90 |
| 55 | $32.27 | $39.49 | $28.33 | $36.76 |
| 60 | $39.15 | $47.21 | $33.55 | $42.85 |
| 65 | $48.05 | $58.17 | $41.70 | $50.68 |
| 70 | $60.69 | $70.71 | $52.40 | $59.88 |
| 75 | $98.19 | $132.74 | $71.37 | $94.79 |
| 80 | $134.34 | $181.91 | $97.94 | $136.05 |
| 85 | $188.41 | $258.20 | $132.63 | $192.59 |
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Worcester is a historic cathedral city situated in the West Midlands of England. Renowned for its magnificent 12th-century Worcester Cathedral that dominates the skyline, the city is steeped in rich history dating back thousands of years. Worcester played a pivotal role in the English Civil War, adding layers of fascinating heritage to explore. Alongside its historical significance, Worcester offers a vibrant cultural scene, picturesque parks, and the scenic River Severn running through its heart, making it a charming blend of old and new. The city is also famous for its exquisite Worcestershire sauce, a staple in kitchens worldwide. With its excellent shopping districts, educational institutions, and community spirit, Worcester provides a high quality of life for its residents and a captivating journey for its visitors.
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Boston, the capital city of Massachusetts, is a treasure trove of American history, innovation, and academia. Nestled on the eastern seaboard, it boasts a rich colonial past, evident in its well-preserved architecture and the famed Freedom Trail. The city is not only a beacon for history enthusiasts but also a thriving hub for education with prestigious institutions like Harvard and MIT. Boston’s cultural landscape is vibrant, ranging from its legendary sports teams to its esteemed symphony orchestra. With its blend of historical charm and modern dynamism, Boston stands as a unique and captivating destination.
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Cambridge, a prestigious university city nestled in the heart of Cambridgeshire, England, is renowned for its historic charm, breathtaking architecture, and profound academic heritage. Home to the world-famous University of Cambridge, established in 1209, this city is a vibrant hub of knowledge, culture, and innovation. Visitors and residents alike are enchanted by its scenic River Cam, majestic college buildings, and lush green spaces, making Cambridge not only a center for education but also a delightful destination for those seeking beauty and inspiration in its cobbled streets and bustling market squares.
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Springfield seamlessly blends its rich historical tapestry with modern vibrancy, making it an intriguing city for residents and visitors alike. Nestled in a picturesque setting, this city is a hub of cultural, recreational, and educational opportunities. Springfield’s welcoming community prides itself on its beautifully preserved landmarks, innovative museums, and expansive parks, ensuring an abundance of activities for all ages. Whether interested in the city’s storied past, bustling marketplaces, or tranquil green spaces, Springfield offers an inviting atmosphere and a quality of life that appeals to everyone who steps into its charming streets.
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Lowell, Massachusetts, is a city steeped in rich industrial history, famously known as the cradle of the American Industrial Revolution. With its roots deeply embedded in textile manufacturing, Lowell boasts a unique blend of historic mill complexes and vibrant cultural diversity. The city is home to the Lowell National Historical Park, which offers a glimpse into its textile mill past, as well as a thriving arts scene that includes galleries, theaters, and the annual Lowell Folk Festival. Situated along the picturesque Merrimack River, Lowell serves as an educational hub, home to the University of Massachusetts Lowell, and offers a mix of urban and natural landscapes, making it a unique destination with a story to tell at every corner.
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Top Life Insurance Companies In Massachusetts
For the residents of the great state of Massachusetts, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
“Immediate Solution” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 0 – 85 |
| Coverage | $1,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- 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
- ADHD
- Addisons Disease
- Anxiety Disorder
- Artery Disease
- Arthritis (Psoriatic)
- Arthritis (Rheumatoid)
- Asthma (Chronic)
- Asthma (Mild)
- Atrial Fibrillation
- Autism (High Functioning)
- Autism (Severe)
- Barlows Syndrome
- Bladder Pain (Chronic)
- Blood Clot
- Blood Disorder
- Bone Marrow Transplant
- Brain Tumor (Removed; Benign)
- Bronchitis (Acute)
- COVID-19
- CPAP Use (w/o Oxygen)
- Cancer (Skin)
- Cardioversion Treatment
- Cerebral Palsy
- Chronic Cough
- Chronic Pancreatitis
- Circulatory Disease
- Claudication
- Clogged Arteries
- Coronary Artery Disease
- Crohns Disease
- Declined for Life Insurance
- Depression
- Diabetes (No Insulin)
- Diabetes (With Insulin)
- Disability
- Encephalopathy
- Enlarged Heart
- Enlarged Prostate
- Epilepsy
- Felony
- Fibromyalgia
- Glaucoma
- Gout
- Guillain-Barre Syndrome
- Hashimotos Disease
- Heart Arrhythmia
- Heart Blockage
- Heart Catheterization
- Heart Disease
- Heart Murmur (Functional)
- Heart Murmur (Innocent)
- Hemophilia
- High Blood Pressure
- High Cholesterol
- Irregular Heartbeat
- Irritable Bowel Syn.
- Kidney Stones
- Low Blood Pressure
- Lupus (Non-Systemic)
- Lyme Disease
- Malaria
- Memory Loss
- Mitral Valve Prolapse
- Multiple Sclerosis (MS)
- Muscular Dystrophy
- Myasthenia Gravis
- Narcolepsy
- Neuropathy (Non-Diabetic)
- Osteoarthritis
- Osteoporosis
- PAD
- PTSD
- PVD
- Pagets Disease of the Bone
- Pain (Chronic)
- Pancreatic Insufficiency
- Panic Disorder
- Parole / Probation
- Pernicious Anemia
- Pneumonia
- Pulmonary Embolism
- Pulmonary Sarcoidosis
- Respiratory Failure
- Restless Leg Syndrome
- Scleroderma
- Seizures
- Sepsis
- Shingles
- Sjogrens Syndrome
- Sleep Apnea (No Oxygen)
- Spina Bifida
- Spinal Stenosis
- Stem Cell Transplant
- Suicide Attempt
- Thrombocythemia
- Thrombocytopenia
- Thrombosis (Blood Clots)
- Thyroid Disorders
- Tourettes
- Ulcer
- Ulcerative Colitis
- Unexplained Weight Loss (> 10 lbs)
- Vertigo
- Wegeners Granulomatosis
- Wet Macular Degeneration
- Wolff-Park. Syndrome
- ADL Assistance Required
- Alcohol / Drug Abuse
- Aneurysm (Corrected)
- Aneurysm (Not Corrected)
- Angina
- Angioplasty
- Assisted Living Facility
- Awaiting Surgery
- Awaiting Test Results
- Bedridden
- Brain Tumor (Not Removed; Benign)
- CHF
- CPAP Use (w/Oxygen)
- Cancer (Not Skin)
- Cardiac Ablation
- Cardiomyopathy
- Circulatory Surgery
- Coronary Artery Bypass
- DUI / DWI
- Defibrillator
- Diabetic Coma
- Gastric Bypass
- Heart Attack
- Heart Surgery
- Heart Valve Surgery
- Hemorrhagic Stroke
- Hodgkins Lymphoma
- Home Health Care
- Hospitalization
- Huntingtons Disease
- Hypertrophic Cardiomyopathy
- Insulin Shock
- Intracerebral Hemorrhage
- Lap Band Surgery
- Leukemia
- Liver Disease
- Liver Disorder
- Melanoma
- Multiple Myeloma
- Myocarditis
- Nephropathy
- Neuropathy
- Non-Hodgkins Lymphoma
- Nursing Home
- Organ Transplant (Completed)
- Oxygen (Non-Continuous)
- Oxygen (Sleep Apnea Use Only)
- Oxygen Use (Continuous)
- Pacemaker
- Paralysis
- Paraplegia
- Pending Hospitalization
- Pending Surgery
- Quadriplegia
- Retinopathy
- Sleep Apnea (w/Oxygen)
- Stent Placement
- Stroke / TIA
- Watchman Implant
- Wheelchair (Confined)
- Wheelchair (Not Confined)
Mutual of Omaha
“Living Promise” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 45 – 85 |
| Coverage | $2,000 – $50,000 |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
- ADHD
- Addisons Disease
- Anxiety Disorder
- Artery Disease
- Arthritis (Psoriatic)
- Arthritis (Rheumatoid)
- Asthma (Chronic)
- Asthma (Mild)
- Atrial Fibrillation
- Autism (High Functioning)
- Autism (Severe)
- Barlows Syndrome
- Bladder Pain (Chronic)
- Blood Clot
- Blood Disorder
- Bone Marrow Transplant
- Brain Tumor (Removed; Benign)
- Bronchitis (Acute)
- COVID-19
- CPAP Use (w/o Oxygen)
- Cancer (Skin)
- Cardioversion Treatment
- Cerebral Palsy
- Chronic Cough
- Chronic Pancreatitis
- Circulatory Disease
- Claudication
- Clogged Arteries
- Coronary Artery Disease
- Crohns Disease
- Declined for Life Insurance
- Depression
- Diabetes (No Insulin)
- Diabetes (With Insulin)
- Disability
- Encephalopathy
- Enlarged Heart
- Enlarged Prostate
- Epilepsy
- Felony
- Fibromyalgia
- Glaucoma
- Gout
- Guillain-Barre Syndrome
- Hashimotos Disease
- Heart Arrhythmia
- Heart Blockage
- Heart Catheterization
- Heart Disease
- Heart Murmur (Functional)
- Heart Murmur (Innocent)
- Hemophilia
- High Blood Pressure
- High Cholesterol
- Irregular Heartbeat
- Irritable Bowel Syn.
- Kidney Stones
- Low Blood Pressure
- Lupus (Non-Systemic)
- Lyme Disease
- Malaria
- Memory Loss
- Mitral Valve Prolapse
- Multiple Sclerosis (MS)
- Muscular Dystrophy
- Myasthenia Gravis
- Narcolepsy
- Neuropathy (Non-Diabetic)
- Osteoarthritis
- Osteoporosis
- PAD
- PTSD
- PVD
- Pagets Disease of the Bone
- Pain (Chronic)
- Pancreatic Insufficiency
- Panic Disorder
- Parole / Probation
- Pernicious Anemia
- Pneumonia
- Pulmonary Embolism
- Pulmonary Sarcoidosis
- Respiratory Failure
- Restless Leg Syndrome
- Scleroderma
- Seizures
- Sepsis
- Shingles
- Sjogrens Syndrome
- Sleep Apnea (No Oxygen)
- Spina Bifida
- Spinal Stenosis
- Stem Cell Transplant
- Suicide Attempt
- Thrombocythemia
- Thrombocytopenia
- Thrombosis (Blood Clots)
- Thyroid Disorders
- Tourettes
- Ulcer
- Ulcerative Colitis
- Unexplained Weight Loss (> 10 lbs)
- Vertigo
- Wegeners Granulomatosis
- Wet Macular Degeneration
- Wolff-Park. Syndrome
- ADL Assistance Required
- Alcohol / Drug Abuse
- Aneurysm (Corrected)
- Aneurysm (Not Corrected)
- Angina
- Angioplasty
- Assisted Living Facility
- Awaiting Surgery
- Awaiting Test Results
- Bedridden
- Brain Tumor (Not Removed; Benign)
- CHF
- CPAP Use (w/Oxygen)
- Cancer (Not Skin)
- Cardiac Ablation
- Cardiomyopathy
- Circulatory Surgery
- Coronary Artery Bypass
- DUI / DWI
- Defibrillator
- Diabetic Coma
- Gastric Bypass
- Heart Attack
- Heart Surgery
- Heart Valve Surgery
- Hemorrhagic Stroke
- Hodgkins Lymphoma
- Home Health Care
- Hospitalization
- Huntingtons Disease
- Hypertrophic Cardiomyopathy
- Insulin Shock
- Intracerebral Hemorrhage
- Lap Band Surgery
- Leukemia
- Liver Disease
- Liver Disorder
- Melanoma
- Multiple Myeloma
- Myocarditis
- Nephropathy
- Neuropathy
- Non-Hodgkins Lymphoma
- Nursing Home
- Organ Transplant (Completed)
- Oxygen (Non-Continuous)
- Oxygen (Sleep Apnea Use Only)
- Oxygen Use (Continuous)
- Pacemaker
- Paralysis
- Paraplegia
- Pending Hospitalization
- Pending Surgery
- Quadriplegia
- Retinopathy
- Sleep Apnea (w/Oxygen)
- Stent Placement
- Stroke / TIA
- Watchman Implant
- Wheelchair (Confined)
- Wheelchair (Not Confined)
Aetna
“Protection Series” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Ages | 45 – 89 |
| Coverage | $2,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
- ADHD
- Addisons Disease
- Anxiety Disorder
- Artery Disease
- Arthritis (Psoriatic)
- Arthritis (Rheumatoid)
- Asthma (Chronic)
- Asthma (Mild)
- Atrial Fibrillation
- Autism (High Functioning)
- Autism (Severe)
- Barlows Syndrome
- Bladder Pain (Chronic)
- Blood Clot
- Blood Disorder
- Bone Marrow Transplant
- Brain Tumor (Removed; Benign)
- Bronchitis (Acute)
- COVID-19
- CPAP Use (w/o Oxygen)
- Cancer (Skin)
- Cardioversion Treatment
- Cerebral Palsy
- Chronic Cough
- Chronic Pancreatitis
- Circulatory Disease
- Claudication
- Clogged Arteries
- Coronary Artery Disease
- Crohns Disease
- Declined for Life Insurance
- Depression
- Diabetes (No Insulin)
- Diabetes (With Insulin)
- Disability
- Encephalopathy
- Enlarged Heart
- Enlarged Prostate
- Epilepsy
- Felony
- Fibromyalgia
- Glaucoma
- Gout
- Guillain-Barre Syndrome
- Hashimotos Disease
- Heart Arrhythmia
- Heart Blockage
- Heart Catheterization
- Heart Disease
- Heart Murmur (Functional)
- Heart Murmur (Innocent)
- Hemophilia
- High Blood Pressure
- High Cholesterol
- Irregular Heartbeat
- Irritable Bowel Syn.
- Kidney Stones
- Low Blood Pressure
- Lupus (Non-Systemic)
- Lyme Disease
- Malaria
- Memory Loss
- Mitral Valve Prolapse
- Multiple Sclerosis (MS)
- Muscular Dystrophy
- Myasthenia Gravis
- Narcolepsy
- Neuropathy (Non-Diabetic)
- Osteoarthritis
- Osteoporosis
- PAD
- PTSD
- PVD
- Pagets Disease of the Bone
- Pain (Chronic)
- Pancreatic Insufficiency
- Panic Disorder
- Parole / Probation
- Pernicious Anemia
- Pneumonia
- Pulmonary Embolism
- Pulmonary Sarcoidosis
- Respiratory Failure
- Restless Leg Syndrome
- Scleroderma
- Seizures
- Sepsis
- Shingles
- Sjogrens Syndrome
- Sleep Apnea (No Oxygen)
- Spina Bifida
- Spinal Stenosis
- Stem Cell Transplant
- Suicide Attempt
- Thrombocythemia
- Thrombocytopenia
- Thrombosis (Blood Clots)
- Thyroid Disorders
- Tourettes
- Ulcer
- Ulcerative Colitis
- Unexplained Weight Loss (> 10 lbs)
- Vertigo
- Wegeners Granulomatosis
- Wet Macular Degeneration
- Wolff-Park. Syndrome
- ADL Assistance Required
- Alcohol / Drug Abuse
- Aneurysm (Corrected)
- Aneurysm (Not Corrected)
- Angina
- Angioplasty
- Assisted Living Facility
- Awaiting Surgery
- Awaiting Test Results
- Bedridden
- Brain Tumor (Not Removed; Benign)
- CHF
- CPAP Use (w/Oxygen)
- Cancer (Not Skin)
- Cardiac Ablation
- Cardiomyopathy
- Circulatory Surgery
- Coronary Artery Bypass
- DUI / DWI
- Defibrillator
- Diabetic Coma
- Gastric Bypass
- Heart Attack
- Heart Surgery
- Heart Valve Surgery
- Hemorrhagic Stroke
- Hodgkins Lymphoma
- Home Health Care
- Hospitalization
- Huntingtons Disease
- Hypertrophic Cardiomyopathy
- Insulin Shock
- Intracerebral Hemorrhage
- Lap Band Surgery
- Leukemia
- Liver Disease
- Liver Disorder
- Melanoma
- Multiple Myeloma
- Myocarditis
- Nephropathy
- Neuropathy
- Non-Hodgkins Lymphoma
- Nursing Home
- Organ Transplant (Completed)
- Oxygen (Non-Continuous)
- Oxygen (Sleep Apnea Use Only)
- Oxygen Use (Continuous)
- Pacemaker
- Paralysis
- Paraplegia
- Pending Hospitalization
- Pending Surgery
- Quadriplegia
- Retinopathy
- Sleep Apnea (w/Oxygen)
- Stent Placement
- Stroke / TIA
- Watchman Implant
- Wheelchair (Confined)
- Wheelchair (Not Confined)
