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Best Life Insurance Companies in Massachusetts

Our Recommended Top 11

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Massachusetts Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

306120Reviewed

183676Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Massachusetts

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Larson Insurance is a Massachusetts insurance agency that offers a wide variety of coverage solutions to individuals, families, and businesses. Its agents connect clients with various reputable insurance providers to secure life insurance plans, whether short-term or permanent, to cover funeral expenses, repay debt, pay estate taxes, and provide education following one’s untimely death. Larson Insurance was established more than 50 years ago by founder Clifford R. Larson in Lexington. The full-service agency remains a family-run business.

  • Life Insurance

Massachusetts

Expertise.com Rating

Review Sources

Google
4.7 (5)
Yelp
3.0 (2)

Why choose this provider?

LJM Insurance Agency, Inc., serves individuals and businesses in Massachusetts. The locally owned and operated insurance agency helps clients look for term or permanent life insurance policies. Other types of life insurance coverage are offered, such as final expense, long-term care, and mortgage protection. Insurance products are also available for health, homes, automotives, identity theft, and data backup. In addition, LJM helps clients with financial planning, profit sharing, and annuities. The full-service independent insurance agency works with several carriers to help clients find the right plan.

  • Whole Life Insurance

Massachusetts

Expertise.com Rating

Review Sources

Facebook
5.0 (29)
Google
5.0 (23)

Why choose this provider?

Pompeo & Sons Insurance Agency, Inc. helps clients in Massachusetts mitigate and manage risks. The locally owned and operated business offers life insurance policies that provide beneficiaries with financial security in the absence of policyholders as a result of death, injury, or illness. It has partnered with several insurance companies, including Arbella, CNA, Foremost, Travelers, and Mapfre, to provide coverage tailored to clients' needs. The owner, Stephen Pompeo, is a certified insurance counselor and risk manager.

  • Life Insurance

Massachusetts

Expertise.com Rating

Review Sources

Facebook
4.8 (18)
Yelp
4.0 (4)
Google
5.0 (3)

Why choose this provider?

Fair Yeager Insurance Agency is a family-owned agency that has been serving Massachusetts for over a century. It provides various life insurance plans, including whole life, term life, universal life, and key person life insurance. Other insurance products it offers include health, homeowners, and automobile insurance. The agency's team holds designations such as Certified Insurance Counselor, Certified Insurance Service Representative, and Certified Professional Insurance Agent. It has been awarded the Five Star Agency designation from the Massachusetts Association of Insurance Agents.

  • Life Insurance

Massachusetts

Expertise.com Rating

Review Sources

Google
4.6 (8)

Why choose this provider?

L&S Boule Insurance is an agency in Massachusetts that has been serving individuals and families for more than 20 years. It strives to safeguard the future and well-being of clients and their families by offering personalized life insurance products. Its life insurance policies come in five types: term, whole, disability, universal, and long-term care. In addition, the L&S Boule Insurance team of agents assists clients in protecting their valuable possessions by providing home, auto, and business insurance policies.

  • Life Insurance

Massachusetts

Expertise.com Rating

Review Sources

Google
5.0 (21)

Why choose this provider?

Lunova Insurance caters to locals in Massachusetts who are in the market for life insurance options. It has individual life products that cover unforeseen loss or damage and non-life options targeted at car and business owners. The crew also has medical expense plans that cover the treatments of persons injured on one's real estate. Its insurance application process entails gathering information about clients' requirements, finding carriers to personalize the policy, and securing and finalizing the deal. Lunova Insurance is an independent enterprise.

  • Health Insurance
  • Life Insurance

Massachusetts

Expertise.com Rating

Review Sources

Google
5.0 (79)
Yelp
4.5 (13)
Facebook
4.4 (10)

Why choose this provider?

Click Insurance provides different life insurance options for individuals and families in Massachusetts. The company's agents assist clients in obtaining term life insurance plans that pay out if the policyholder dies within the term of the policy or whole life insurance that fixes the premiums and death benefit for the life of the policy. The leaders of Click Insurance have been in the industry for more than 60 years. It is a member of the Renaissance Alliance.

  • Life Insurance

Massachusetts

Expertise.com Rating

Why choose this provider?

Middlesex Insurance Agency, LLC, accommodates clients in Massachusetts in need of life insurance products. It assesses clients' needs and financial capacity, which are used as bases to customize and recommend plans. It also facilitates financial planning for clients with kids and aging parents, big estates, and businesses; and those whose retirement savings are insufficient to meet the needs of dependents. The locally owned and operated company aims to provide peace of mind by helping secure the future of clients and their family members.

  • Health Insurance
  • Life Insurance

Massachusetts

Expertise.com Rating

Review Sources

Facebook
5.0 (20)
Google
4.7 (13)

Why choose this provider?

A & B Insurance Group, LLC is an independently owned and operated full-service agency that serves clients throughout Massachusetts. It offers various personal insurance products, including life, health, disability, and long-term care policies. It also provides insurance products for clients' commercial, farming, and equine needs. The agency's team of professionals has more than five decades of combined industry experience. They hold designations such as Life Underwriter Training Council Fellow, Certification in Long-Term Care, and Agricultural & Farming Insurance Specialist.

  • Individual Plans

Massachusetts

Expertise.com Rating

Review Sources

Google
4.9 (990)
Yelp
5.0 (2)

Why choose this provider?

Moore Agencies of New England has been catering to the insurance needs of clients throughout the state of Massachusetts since 1951. Its representatives specialize in helping individuals and families find financial products that suit their needs. It offers a variety of plans, including whole and term life, accident protection, mortgage protection, and critical illness insurance policies. In order to give back to the community, the agency holds monthly philanthropy projects and community service programs, during which it gives monetary donations to local nonprofit organizations.

  • Life Insurance
  • Term Life Insurance
  • Whole Life Insurance

Massachusetts

Expertise.com Rating

Review Sources

Google
4.2 (6)

Why choose this provider?

Guardian Life is an insurance company serving more than 29 million people across the country. Its arm in Pittsfield, Massachusetts, provides individuals, families, and businesses with a wide range of insurance products, so they achieve financial security. Its agents connect with various reputable insurance providers to find suitable life insurance policies, whether short-term or permanent, that will fit their customers' unique needs and requirements. Guardian Life has been in operation since 1860. It also offers vision, dental, and mental wellness insurance plans.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Larson Insurance
109 Massachusetts Avenue, Massachusetts, MA 02420
LJM Insurance Agency, Inc.
327 Union Avenue, Massachusetts, MA 01702
Pompeo & Sons Insurance Agency, Inc.
464 High Street, Massachusetts, MA 02155
Fair Yeager Insurance Agency
10 Main Street, Massachusetts, MA 01760
L&S Boule Insurance
158 Main Street, Massachusetts, MA 01752
Lunova Insurance
14A Winthrop St., Massachusetts, MA 01752
Click Insurance
464 Main St., Massachusetts, MA 02472
Middlesex Insurance Agency LLC
747 Main Street, Ste 117, Massachusetts, MA 01742
A & B Insurance Group, LLC
237C Greenfield Rd, Massachusetts, MA 01373
Moore Agencies of New England
65 Boston Post Rd W, Massachusetts, MA 01752
Guardian Life
700 South Street, Massachusetts, MA 01201

FAQs

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

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