Expertise.com

Best Life Insurance Companies in Cambridge

2023

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Website
411 Highland Avenue, Somerville, MA 02144
  • Life Insurance

Why choose this provider?

Garrett-Lynch Insurance Agency is a family-owned and family-operated agency that has been taking care of the insurance needs of those in Cambridge and nearby communities since it was established in 1934. It is a full-service, independent agency that offers term and permanent life insurance plans tailored to each client's specific situations. Home, auto, and business insurance products from a number of companies, such as Foremost Insurance Company, American Modern Insurance Company, and Quincy Mutual Insurance Company, are also available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
92 High Street, Medford, MA 02155
  • Life Insurance

Why choose this provider?

Bates Insurance Agency Inc. is an independent insurance agency that has been servicing the residents of Cambridge and the rest of Massachusetts for more than 40 years. It provides individual life insurance products across term life, whole life, and universal options. The Bates Insurance Agency Inc. team has more than 80 years of combined experience in the insurance industry. The company is a Trusted Choice Agency and a member of the Medford Chamber of Commerce.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (33)
Facebook
5.0 / 5 (13)
Yelp
3.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
54 Broadway, Norwood, MA 02062
  • Life Insurance

Why choose this provider?

Affordable Insurance Agency, Inc., is a women-owned business that has been serving businesses and individuals in the community of Cambridge and the surrounding areas since 1987. It carries a wide range of insurance products, including home, life, rented buildings, employee benefits, and long-term care. As a client-oriented company, its team of agents guides customers throughout the insurance process. The agency also handles business insurance solutions that cover cyber liability, commercial umbrella, and funding for buy and sell agreements.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
5.0 / 5 (4)
Facebook
4.3 / 5 (3)
Yelp
4.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
341 Trapelo Road, Belmont, MA 02478
  • Life Insurance

Why choose this provider?

The Borelli Insurance Agency, Inc., is a family-owned and family-operated business that has been serving clients in Cambridge and its surrounding areas since 1955. The company specializes in automobile, business, and homeowners insurance. It offers personal insurance programs that cover valuable items, umbrellas, liability boats, and life insurance. Its team underwrites policies, handles claims, and collects premiums. The agency also works with a selected group of insurance providers. Its president, Jay Borelli, holds a degree in Bachelor of Science in Marine Biology.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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Website
125 Cambridgepark Drive, Cambridge, MA 02140
  • Life Insurance
  • Health Insurance
  • Long Term Care

Why choose this provider?

Since it started operating in 1992, Econosurance has been providing individuals and small businesses in Cambridge with insurance solutions tailored to their needs. Through life insurance policies, the company helps clients safeguard the financial future of their loved ones in the event of their demise. The independent insurance agents from this firm represent multiple providers that can deliver an array of life insurance options, such as term life, whole life, and universal life plans. They also specialize in health and long-term care insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (64)
Google
5.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
464 Main Street, Watertown, MA 02472
  • Life Insurance
  • Health Insurance

Why choose this provider?

Click Insurance is an independent insurance agency serving Cambridge and nearby metros. It has over 60 years of experience providing individuals and families with life insurance policies spanning term, whole life, permanent, universal, and variable life insurance. It also caters to group life insurance needs, offering businesses term and whole life employee benefits coverages. The company also covers personal and business insurance lines. It utilizes up-to-date technologies to streamline the insurance process and is a member of Renaissance Alliance, expanding its network of insurance carriers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (38)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
182 Main Street, Watertown, MA 02472
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

H&K Insurance Agency, Inc., is a family-run business that offers a variety of life insurance options to Cambridge and the surrounding communities. These include term, universal, and whole life insurance. Founded in 1961, H&K Insurance Agency has provided personal and business insurance protection to more than 10,000 clients. Its team of professionals has the skills to write simple insurance policies to multimillion-dollar product liabilities. Its clients vary from national, regional, international, and one-person business owners.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
426 Massachusetts Avenue, Boston, MA 02118
  • Life Insurance

Why choose this provider?

CR Insurance Agency is a full-service insurance agency catering to clients in the Cambridge area. It works with multiple insurance providers to deliver life insurance products tailored to meet the needs of the clients. The company also provides coverage for homeowners insurance, renter's insurance, and condominium insurance. In addition, it also has insurance products for vehicles, such as personal cars, motorcycles, and commercial auto. The company offers several insurance options for small businesses, general business liabilities, and commercial properties.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
535 Boylston Street, Boston, MA 02116
  • Life Insurance

Why choose this provider?

Titan Insurance is an independent insurance agency that serves clients in Cambridge. It offers term, whole, and universal life insurance policies from Chubb, Assurant, and Liberty Mutual that protect beneficiaries financially in the event of an untimely death. The agency also covers insurance products for homes, automobiles, and contractors. COO Nick Warren and CEO Mike Mullaney established the agency in 2015. Since 2008, Nick has been the owner and operator of Berkshire Hathaway HomeServices Warren Residential, while Mike holds the LUTCF designation.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
222 Third Street, Cambridge, MA 02142
  • Life Insurance
  • Health Insurance

Why choose this provider?

Insurify is an independent insurance agency serving families and individuals in the Cambridge metro. It accommodates clients who need assistance in purchasing life insurance plans. In addition, the company's insurance specialists help clients obtain other personal plans, such as home and auto insurance. They have access to different insurance providers, including MetLife, Nationwide, Travelers, and Mercury Insurance. Insurify has been in the business since 2013. Founder and CEO Snejina Zacharia has been named 2018's Top 10 Insurance Leaders by ACORD.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (296)
Facebook
4.0 / 5 (38)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
31 Milk Street, Boston, MA 02109
  • Life Insurance

Why choose this provider?

Bender Hatch Insurance offers its services to clients living in the Cambridge area. It offers life insurance to individuals and families who have dependents and loan and mortgage obligations. Life insurance can also cover funeral expenses and child care costs. Other insurance policies offered include business, home, auto, condo, and personal umbrella. Bender Hatch Insurance was formed through the merger of two companies, Nancy Z. Bender Insurance and H.R. Hatch Insurance, allowing it to expand its services and assist more clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (21)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
66 Bow Street, Somerville, MA 02143
  • Life Insurance

Why choose this provider?

Amazonia Insurance Agency is an insurance brokerage that has been serving families, individuals, and businesses in Cambridge since 1993. It provides a range of risk management solutions, including life insurance and coverage for homes, boats, and automobiles. Additionally, it offers business policies, such as workers' compensation, liability coverage, special events insurance, and bonds. Clients can request certificates of insurance through the agency's website. Amazonia is staffed with insurance professionals who can speak English, Portuguese, and Spanish.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (40)
Facebook
5.0 / 5 (3)
Yelp
2.5 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • In Cambridge, who are those who benefit the most from having life insurance?

    Those in Cambridge who would benefit the most from having a life insurance policy are those upon whom others are reliant for support and care. This includes breadwinners for families, parents who wish to establish a college fund for their offspring, and spouses who wish to save up for their partners' higher learning.

  • When should a person in Cambridge opt for term life insurance over whole life insurance?

    Generally, it is preferable to go for term life over whole life insurance if the financial needs of the insured and beneficiaries in Cambridge are for a limited amount of time. A person who only wishes to pay off a loan or for the eventual college education of the kids does not need coverage once those costs are paid.

  • In Cambridge, how much would the beneficiaries of a term life insurance get if the insured dies a day after the contract ends?

    In Cambridge, the beneficiaries of term life insurance will receive nothing if the insured lives through the term in the contract. To receive any benefits, the death has to occur while the policy is in force, unless the plan is extended and new premiums are duly paid.

  • In Cambridge, is it possible for the holder of a whole life insurance plan to receive benefits before dying?

    Yes, it is possible in Cambridge for the holder of a whole life insurance policy to receive benefits without dying since the party may borrow money against the cash value of the plan. The cash value represents the savings earned by the policy. The consequence is that the death benefits may be reduced by the early withdrawal.

  • In Cambridge, what factors affect the amount of premiums to pay in a life insurance policy?

    In Cambridge, the amount of premiums paid on a life insurance policy varies depending on the risk of death that the insurance company assumes when insuring a person. The likelier someone is to die, the more expensive premiums get. Age is a common factor as is having multiple diseases and medical conditions.

  • 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.