Best Life Insurance In Massachusetts

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

Best Life Assurance In Worcester

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.

Life Insurance Agency Address Phone
Insurance Marketing Agencies Day Building, 306 Main St +15087537233
Wolpert Insurance 18 John St Pl +15084594700
St Onge Insurance Agency 131 Millbury St +15088310133
Herlihy Insurance Group 51 Pullman St +15087565159
Cantiani Insurance 318 Plantation St +15087912088
Moynihan Insurance Agency Inc. 25 Burncoat St +15088538080
Feingold Insurance Agency 446 Main St Suite 1403 +15088319500
Zawada Insurance Agency 131 Millbury St +15088310133
Marc Alkes Insurance 1405 Main St +15087557969
SterlingBridge Insurance Agency, Inc. 38 Austin St +18004167764
WebFirst Insurance, LLC 271 Greenwood St First Floor +18009571455
Mainstream Insurance Agency, Inc. 704 Southbridge St +15087974500
Thomas B Carroll Insurance 617 Mill St STE 1 +15087523300
Royal Insurance 42 Lake Ave +15087546288
SEM Insurance Agency 687 Main St +15085710500
ELAINE M SAMPSON INSURANCE AGENCY 490 Shrewsbury St +15087993998
Wackell Insurance Agency 78 Pleasant St +15087563312
Evanowski-North American Insurance 414 Main St #2 +15087570950

Best Coverage In Boston

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.

Life Insurance Agency Address Phone
Acclaim Insurance 3 Hudson St +16173575021
James F Franco Insurance 44 School St +16172274477
Ironside Insurance Group, LLC 112 Water St #401 +16172272400
Bender Hatch Insurance 87 Wendell St 4th Floor +16173674900
Christopher Roche Insurance 426 Massachusetts Ave +16172624222
Thomas Brady & Associates 60 State St # 3750 +16172660019
Northwestern Mutual Life Insurance: Mcnally Brian 1 Beacon St # 25 +16177428900
Northwestern Mutual Life Insurance: Baron Jeffrey 1 Beacon St +16175319630
Evan D Cross – Aflac Insurance Agent 637 E 1st St unit c-1 +15085233047
Northwestern Mutual Life Insurance: Marcus Sy 1 Beacon St # 25 +16175319533
Mary Beth Cafferty at Comparion Insurance Agency 157 Berkeley St +16174766020
Gerard Planas at Comparion Insurance Agency 157 Berkeley St +16174065451

Best Policies In Cambridge

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.

Life Insurance Agency Address Phone
Neil S Lupardo Insurance 519 Cambridge St +16174916263
Consumer Insurance Agency 2298 Massachusetts Ave +16175453036
Premium Insurance Agency 1 Richdale Ave +13392105346
Al Ponte Insurance 819 Cambridge St +16174927600
Insurify Insurance Agency 10 Canal Park 4th Floor +17816548092
Central Square/Segal Insurance 875 Massachusetts Ave +16178761300
Today’s Insurance 777 Cambridge St +16175476212
Ralph J Galante Insurance Agency Inc 1939 Massachusetts Ave +16178645586
Thomas F Coughlin 1303 Cambridge St +16178761127
Fucillo & Sasso Associates Insurance 599 Cambridge St suite c-2 +16176213516
Eagle Trust Insurance 125 Cambridgepark Dr Suite 301 +16176258400
Franklin and Company Car Insurance Agency of Cambridge 441 Broadway +18578294225
New Insurance MA 28 Cobble Hill Rd +14138530059
Elite Insurance LLC 28 Cobble Hill Rd +16172216520
Cambridge Insurance Agency, LLC. 5800 W Plano Pkwy Suite 210 +12147580414

Best Life Cover In Springfield

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.

Life Insurance Agency Address Phone
Fast Insurance Quotes MA 264 N Main St #6 +14133070808
Star Life Insurance Agency, MA 65 Farmington Ave +14133070211
AssuredPartners One Monarch Place +18604266200
Amber Barnes at Comparion Insurance Agency 1 Federal St +14138462364
Glen Gauthier at Comparion Insurance Agency 1 Federal St +14138462362
Heather Arnold at Comparion Insurance Agency 1 Federal St +14137547004
Kristen Fiore at Comparion Insurance Agency 1 Federal St +14132632957
Matthew Maratea at Comparion Insurance Agency 1 Federal St +14138462363
Massachusetts Mutual Life Insurance Company (MassMutual) 1295 State St +14137441000
Safe Life Insurance Co 1 Monarch Pl +14137494005
American Insurance MA 1441 Main St #925 +14134158764
Axiom Insurance Agency Inc. 388 Dickinson St +14137362452
Prime Secure Insurance, MA Amy Brannan, 4655 Frank Avenue +14133070801
ultimate protection agency 250-274 Worthington St +12039520762
Holton Insurance 251 Boston Rd +14137831100
PHAM Insurance Agency 433 Belmont Ave +14132059855

Best Life Insurance In Lowell

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.

Life Insurance Agency Address Phone
O’Hearn Insurance Agency 704 Rogers St +19784593336
Alpha Insurance 648 Central St +19784594547
Mill City Insurance Inc 493 Westford St +19784410005
Clark Insurance, a Marsh & McLennan Agency LLC company 165 Thorndike St Suite 3001 +19784590505
James Martin Insurance Agency LLC 316 Parker St +19784547885
Best Choice Insurance 287 Appleton St # 120 +19789340697
Paul A. Balakin Insurance 81 Plain St #1 +19784413003
Melissa Sheehan – Independent Life Insurance Agent 42 Wellman St +19782217947
Conway Insurance 77 E Merrimack St #16 +13392053551
ffl1race 491 Dutton St +14092397508
Capacity Insurance Corporation 52 Mammoth Rd +19782522426
Fair Insurance Co 191 Pawtucket Blvd +17814284334
Community Insurance Group Inc 1075 Westford St +14134158745
Fast Response Insurance MA 110 Canal St +19788270882
Michael G Conway Insurance Inc 77 Merrimack St +19784545054

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

What’s My Rate?
[comp-calculator-policy-cards company=”Transamerica” identifier=”transamericaWL”]


Approved Conditions
No approved conditions found.

Declined Conditions
No declinable conditions found.

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

What’s My Rate?
[comp-calculator-policy-cards company=”Mutual of Omaha” identifier=”mooWL”]


Approved Conditions
No approved conditions found.

Declined Conditions
No declinable conditions found.

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

What’s My Rate?
[comp-calculator-policy-cards company=”Aetna” identifier=”aetnaWL”]


Approved Conditions
No approved conditions found.

Declined Conditions
No declinable conditions found.

You Won't Find A Lower Rate

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