Best Life Insurance In Massachusetts


  • Rikin Shah
  • Jun 20, 2024
Massachusetts cost of a funeral

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.

Age20
Male$14.87
Male (Smoker)$17.18
Female$14.40
Female (Smoker)$15.78
Age25
Male$16.01
Male (Smoker)$18.17
Female$15.52
Female (Smoker)$17.59
Age30
Male$16.94
Male (Smoker)$19.87
Female$16.42
Female (Smoker)$18.91
Age35
Male$18.46
Male (Smoker)$22.21
Female$17.75
Female (Smoker)$20.50
Age40
Male$20.93
Male (Smoker)$25.24
Female$20.03
Female (Smoker)$23.30
Age45
Male$23.75
Male (Smoker)$29.08
Female$22.31
Female (Smoker)$27.79
Age50
Male$28.02
Male (Smoker)$33.37
Female$24.70
Female (Smoker)$31.90
Age55
Male$32.27
Male (Smoker)$39.49
Female$28.33
Female (Smoker)$36.76
Age60
Male$39.15
Male (Smoker)$47.21
Female$33.55
Female (Smoker)$42.85
Age65
Male$48.05
Male (Smoker)$58.17
Female$41.70
Female (Smoker)$50.68
Age70
Male$60.69
Male (Smoker)$70.71
Female$52.40
Female (Smoker)$59.88
Age75
Male$98.19
Male (Smoker)$132.74
Female$71.37
Female (Smoker)$94.79
Age80
Male$134.34
Male (Smoker)$181.91
Female$97.94
Female (Smoker)$136.05
Age85
Male$188.41
Male (Smoker)$258.20
Female$132.63
Female (Smoker)$192.59

See how much you could save

Compare rates from 19 carriers in 60 seconds

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.

Insurance Marketing AgenciesWolpert Insurance
Day Building, 306 Main St18 John St Pl
+15087537233+15084594700
Insurance Marketing AgenciesSt Onge Insurance Agency
Day Building, 306 Main St131 Millbury St
+15087537233+15088310133
Insurance Marketing AgenciesHerlihy Insurance Group
Day Building, 306 Main St51 Pullman St
+15087537233+15087565159
Insurance Marketing AgenciesCantiani Insurance
Day Building, 306 Main St318 Plantation St
+15087537233+15087912088
Insurance Marketing AgenciesMoynihan Insurance Agency Inc.
Day Building, 306 Main St25 Burncoat St
+15087537233+15088538080
Insurance Marketing AgenciesFeingold Insurance Agency
Day Building, 306 Main St446 Main St Suite 1403
+15087537233+15088319500
Insurance Marketing AgenciesZawada Insurance Agency
Day Building, 306 Main St131 Millbury St
+15087537233+15088310133
Insurance Marketing AgenciesMarc Alkes Insurance
Day Building, 306 Main St1405 Main St
+15087537233+15087557969
Insurance Marketing AgenciesSterlingBridge Insurance Agency, Inc.
Day Building, 306 Main St38 Austin St
+15087537233+18004167764
Insurance Marketing AgenciesWebFirst Insurance, LLC
Day Building, 306 Main St271 Greenwood St First Floor
+15087537233+18009571455
Insurance Marketing AgenciesMainstream Insurance Agency, Inc.
Day Building, 306 Main St704 Southbridge St
+15087537233+15087974500
Insurance Marketing AgenciesThomas B Carroll Insurance
Day Building, 306 Main St617 Mill St STE 1
+15087537233+15087523300
Insurance Marketing AgenciesRoyal Insurance
Day Building, 306 Main St42 Lake Ave
+15087537233+15087546288
Insurance Marketing AgenciesSEM Insurance Agency
Day Building, 306 Main St687 Main St
+15087537233+15085710500
Insurance Marketing AgenciesELAINE M SAMPSON INSURANCE AGENCY
Day Building, 306 Main St490 Shrewsbury St
+15087537233+15087993998
Insurance Marketing AgenciesWackell Insurance Agency
Day Building, 306 Main St78 Pleasant St
+15087537233+15087563312
Insurance Marketing AgenciesEvanowski-North American Insurance
Day Building, 306 Main St414 Main St #2
+15087537233+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.

Acclaim InsuranceJames F Franco Insurance
3 Hudson St44 School St
+16173575021+16172274477
3 Hudson St112 Water St #401
+16173575021+16172272400
Acclaim InsuranceBender Hatch Insurance
3 Hudson St87 Wendell St 4th Floor
+16173575021+16173674900
3 Hudson St426 Massachusetts Ave
+16173575021+16172624222
Acclaim InsuranceThomas Brady & Associates
3 Hudson St60 State St # 3750
+16173575021+16172660019
3 Hudson St1 Beacon St # 25
+16173575021+16177428900
3 Hudson St1 Beacon St
+16173575021+16175319630
3 Hudson St637 E 1st St unit c-1
+16173575021+15085233047
3 Hudson St1 Beacon St # 25
+16173575021+16175319533
3 Hudson St157 Berkeley St
+16173575021+16174766020
3 Hudson St157 Berkeley St
+16173575021+16174065451

See how much you could save

Compare rates from 19 carriers in 60 seconds

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.

Neil S Lupardo InsuranceConsumer Insurance Agency
519 Cambridge St2298 Massachusetts Ave
+16174916263+16175453036
Neil S Lupardo InsurancePremium Insurance Agency
519 Cambridge St1 Richdale Ave
+16174916263+13392105346
Neil S Lupardo InsuranceAl Ponte Insurance
519 Cambridge St819 Cambridge St
+16174916263+16174927600
Neil S Lupardo InsuranceInsurify Insurance Agency
519 Cambridge St10 Canal Park 4th Floor
+16174916263+17816548092
Neil S Lupardo InsuranceCentral Square/Segal Insurance
519 Cambridge St875 Massachusetts Ave
+16174916263+16178761300
Neil S Lupardo InsuranceToday’s Insurance
519 Cambridge St777 Cambridge St
+16174916263+16175476212
Neil S Lupardo InsuranceRalph J Galante Insurance Agency Inc
519 Cambridge St1939 Massachusetts Ave
+16174916263+16178645586
Neil S Lupardo InsuranceThomas F Coughlin
519 Cambridge St1303 Cambridge St
+16174916263+16178761127
Neil S Lupardo InsuranceFucillo & Sasso Associates Insurance
519 Cambridge St599 Cambridge St suite c-2
+16174916263+16176213516
Neil S Lupardo InsuranceEagle Trust Insurance
519 Cambridge St125 Cambridgepark Dr Suite 301
+16174916263+16176258400
519 Cambridge St441 Broadway
+16174916263+18578294225
Neil S Lupardo InsuranceNew Insurance MA
519 Cambridge St28 Cobble Hill Rd
+16174916263+14138530059
Neil S Lupardo InsuranceElite Insurance LLC
519 Cambridge St28 Cobble Hill Rd
+16174916263+16172216520
Neil S Lupardo InsuranceCambridge Insurance Agency, LLC.
519 Cambridge St5800 W Plano Pkwy Suite 210
+16174916263+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.

Fast Insurance Quotes MAStar Life Insurance Agency, MA
264 N Main St #665 Farmington Ave
+14133070808+14133070211
Fast Insurance Quotes MAAssuredPartners
264 N Main St #6One Monarch Place
+14133070808+18604266200
264 N Main St #61 Federal St
+14133070808+14138462364
264 N Main St #61 Federal St
+14133070808+14138462362
264 N Main St #61 Federal St
+14133070808+14137547004
264 N Main St #61 Federal St
+14133070808+14132632957
264 N Main St #61 Federal St
+14133070808+14138462363
264 N Main St #61295 State St
+14133070808+14137441000
Fast Insurance Quotes MASafe Life Insurance Co
264 N Main St #61 Monarch Pl
+14133070808+14137494005
Fast Insurance Quotes MAAmerican Insurance MA
264 N Main St #61441 Main St #925
+14133070808+14134158764
Fast Insurance Quotes MAAxiom Insurance Agency Inc.
264 N Main St #6388 Dickinson St
+14133070808+14137362452
Fast Insurance Quotes MAPrime Secure Insurance, MA
264 N Main St #6Amy Brannan, 4655 Frank Avenue
+14133070808+14133070801
Fast Insurance Quotes MAultimate protection agency
264 N Main St #6250-274 Worthington St
+14133070808+12039520762
Fast Insurance Quotes MAHolton Insurance
264 N Main St #6251 Boston Rd
+14133070808+14137831100
Fast Insurance Quotes MAPHAM Insurance Agency
264 N Main St #6433 Belmont Ave
+14133070808+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.

O’Hearn Insurance AgencyAlpha Insurance
704 Rogers St648 Central St
+19784593336+19784594547
O’Hearn Insurance AgencyMill City Insurance Inc
704 Rogers St493 Westford St
+19784593336+19784410005
704 Rogers St165 Thorndike St Suite 3001
+19784593336+19784590505
O’Hearn Insurance AgencyJames Martin Insurance Agency LLC
704 Rogers St316 Parker St
+19784593336+19784547885
O’Hearn Insurance AgencyBest Choice Insurance
704 Rogers St287 Appleton St # 120
+19784593336+19789340697
O’Hearn Insurance AgencyPaul A. Balakin Insurance
704 Rogers St81 Plain St #1
+19784593336+19784413003
704 Rogers St42 Wellman St
+19784593336+19782217947
O’Hearn Insurance AgencyConway Insurance
704 Rogers St77 E Merrimack St #16
+19784593336+13392053551
O’Hearn Insurance Agencyffl1race
704 Rogers St491 Dutton St
+19784593336+14092397508
O’Hearn Insurance AgencyCapacity Insurance Corporation
704 Rogers St52 Mammoth Rd
+19784593336+19782522426
O’Hearn Insurance AgencyFair Insurance Co
704 Rogers St191 Pawtucket Blvd
+19784593336+17814284334
O’Hearn Insurance AgencyCommunity Insurance Group Inc
704 Rogers St1075 Westford St
+19784593336+14134158745
O’Hearn Insurance AgencyFast Response Insurance MA
704 Rogers St110 Canal St
+19784593336+19788270882
O’Hearn Insurance AgencyMichael G Conway Insurance Inc
704 Rogers St77 Merrimack St
+19784593336+19784545054

See how much you could save

Compare rates from 19 carriers in 60 seconds

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 TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life0 – 85 years
Policy TypeCoverage Range
Whole Life$1,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Very low prices
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • Underwriting has become stricter (e.g., no insulin)
  • Coverage limited to $25,000 for older applicants

Mutual of Omaha

“Living Promise” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life45 – 85 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Excellent customer service
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • Moderately strict underwriting

Aetna

“Protection Series” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA
Policy TypeAge Range
Whole Life45 – 89 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Lenient underwriting
  • Shortest application, industry-wide
  • Automated underwriting (approval potentially in minutes)
  • No medical exam
  • Flat, never-increasing premiums
Considerations
  • 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.