Expertise.com

2024

Last updated:

Best Life Insurance Companies in Lawrence

Our Recommended Top 21

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Lawrence 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.

3580Reviewed

2156Curated

21Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
67 Forest St, Suite 271, Lawrence, MA 01752
  • Estate Planning
  • Investment Management
  • Certified Financial Planner (CFP)
  • Retirement Planning
  • Tax Planning

Why choose this provider?

Financial planning can be challenging; Cedar Hill Financial Group simplifies things. Their first priority is always acting in their client's best interest. That means providing personalized, comprehensive financial advice, along with data driven portfolios. Whether it is planning for retirement, saving for college, or getting a comprehensive financial plan in place, they can help. With over a decade of industry experience, they are committed to helping clients pursue their financial goals. Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC.

License Verified:

License: 18986218

Massachusetts Division of 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
Google
5.0 / 5 (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

Price: Complimentary Consultation

Lawrence, MA

Why choose this provider?

Need help contacting a Life Insurance Company in Lawrence? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

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

Price: Free booking service | Call 848.Book.Pro!

Website
156 Haverhill Street, Methuen, MA 01844
  • Life Insurance

Why choose this provider?

For over 20 years, Joanne K. Mills Insurance Agency has provided life insurance services to clients in Lawrence and the nearby areas. It caters to individuals and businesses needing benefits to secure the future finances and lifestyles of their families. It also offers several types of personal insurance, including wedding, vehicle, marine, recreational, homeowners, and renters' insurance programs. Additionally, the agency helps businesses apply for crime and vandalism, property, labor, and commercial insurance products from Travelers, Safety Insurance, Met Life, and Quincy Mutual Group.

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 (17)

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
21 Elm Street, Andover, MA 01810
  • Life Insurance
  • Health Insurance

Why choose this provider?

Doherty is a family-owned and family-operated insurance company serving Lawrence and the nearby areas. It provides life insurance products to help clients give their families financial benefits after their demise. These cover the expenses for the debts of the clients and the income and educational funds of the families left behind. It also assists clients in the claiming process of their insurance benefits. The company's president, Sheila M Doherty, has been running Doherty since 1985.

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 (16)
Facebook
5.0 / 5 (8)

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
95 Ayer Street, Methuen, MA 01844
  • Life Insurance

Why choose this provider?

Michaud Insurance Agency, Inc. operates in Lawrence and the surrounding areas, serving the insurance needs of residents and local businesses. The family-owned independent firm carries life insurance plans like term life policies and universal life insurance. It also provides commercial packages that include restaurant insurance, bonds, and employment practices liability. Trudy Lawler, the company president, started working at Michaud Insurance Agency during high school in 1979. She took over the agency in 1989.

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
Facebook
4.0 / 5 (8)
Google
5.0 / 5 (2)
Yelp
5.0 / 5 (1)

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
252 Pleasant Street, Methuen, MA 01844
  • Life Insurance

Why choose this provider?

B.T. O'Connell Insurance Agency, Inc., is an independent agency that has been catering to the insurance needs of families, businesses, and individuals in Lawrence and its surrounding areas for over 100 years. The insurance policies that it offers for life insurance include whole, term, and universal life insurance. In addition, it also provides auto, condominium, pet, cargo, and builders' risk insurance. In order to provide various options to its clients, the company has partnered with different insurance carriers like Encompass Insurance Company.

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
Facebook
3.7 / 5 (3)
Google
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
220 North Broadway, Salem, NH 03079
  • Life Insurance
  • Health Insurance

Why choose this provider?

Dave Newman is a licensed insurance broker representing State Farm Insurance. He specializes in personal and business insurance lines and serves the residents of the Lawrence metro. Dave has been in the insurance industry for more than 23 years. Some life insurance products he offers include term life insurance, whole life insurance, universal life insurance, and variable life insurance. He is also FINRA certified and is licensed to practice in the State of New Hampshire.

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
53 Church Street, Kingston, NH 03848
  • Life Insurance
  • Health Insurance

Why choose this provider?

Kingston Insurance is an independent insurance agency established in 1994 and serving Lawrence. The family-owned business has a combined experience of more than 100 years specializing in life, health, and disability insurance, as well as IRA rollover, estate planning, long-term care, annuities, and retirement planning. The agency also provides short-term rentals, auto, homeowners', and commercial business insurance. Its agents tailor plans to protect client assets as well as to prepare them for short- and long-term disability, inflation, pensions issues, and their future financial health.

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 (6)

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
135 Merrimack Street, Methuen, MA 01844
  • Life Insurance
  • Health Insurance

Why choose this provider?

Established in 1963. T.A. Sullivan Agency, Inc., provides real estate and insurance services to clients in Lawrence. It offers a range of insurance options, including life insurance, health insurance, and vehicle insurance. Additionally, it provides extensive business and property insurance coverage, including homeowners insurance, professional liability, and workers' compensation. It also provides services to home buyers, sellers, and renters. The company is also licensed to operate in New Hampshire. It supports local organizations and charities, like the Boys & Girls Club of Lawrence.

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 (4)

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
254 Pleasant Street, Methuen, MA 01844
  • Life Insurance

Why choose this provider?

Hasbany & Regan Insurance Agency is an independent insurance agency that services Lawrence and the rest of the State of Massachusetts. It offers term life insurance and whole life insurance, which includes universal life, variable universal life, and traditional whole life insurance. Other lines of individual life insurance it offers include burial, final expenses, simplified issue whole, and guaranteed issue whole life insurance. Hasbany & Regan Insurance Agency works with carriers such as CNA Surety, Safety Insurance Company, and American Strategic 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.
4.8
Google
4.8 / 5 (16)
Yelp
4.0 / 5 (1)

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
184 Pleasant Valley Street, Methuen, MA 01844
  • Life Insurance

Why choose this provider?

Founded in 1973, Advantage Insurance Agency, Inc., is a small insurance agency serving the people of Lawrence and Merrimack Valley. It carries coverage for life, auto, homes, condos, apartments, and small businesses. The agency aims to provide its clients with professional coverages, 24/7 personal web support, and various insurance options. Owned by Jim Triquet and Paul Devin, Advantage Insurance Agency partners with different insurance companies that offer professional coverages with a personal touch.

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 (6)

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
2 South Kimball Street, Bradford, MA 01835
  • Life Insurance

Why choose this provider?

Established in 1954, Costello Insurance Agency, Inc., is a third-generation-operated company that offers life insurance solutions in Lawrence and nearby areas. These include whole life, term life, universal life, disability, and long-term care plans. The agency also works with different carriers, such as Liberty Manual Insurance and Nationwide. Moreover, its agents have more than 100 years of combined experience in the industry. Costello Insurance Agency is a member of the MA Association of Insurance Agents and Independent Insurance Agents of America.

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 (2)
Yelp
5.0 / 5 (1)

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
213 Broadway, Methuen, MA 01844
  • Life Insurance

Why choose this provider?

Perez Insurance & Financial Services LLC is an insurance agency serving individuals and businesses throughout Lawrence. It helps clients protect themselves, their loved ones, and their future by providing a wide range of insurance and financial products. Its life insurance policies include term, universal, variable universal, and whole life insurance. It also offers health, vision, dental, and disability insurance. Sarah B. Perez and her team of professionals take the time to understand clients' goals to help them find a policy that matches their needs.

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 (4)

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
10 Prince Place, Newburyport, MA 01950
  • Life Insurance
  • Term Life Insurance

Why choose this provider?

Serving Lawrence, Ocean Employee Benefits International provides a variety of insurance solutions to clients in the metro. It offers domestic individual and personal insurance products like whole life insurance, term life insurance, universal life insurance, critical illness insurance, short-term disability insurance, and long-term care insurance. The company also has international individual and personal insurance options, including travel accident insurance, travel medical insurance, and medical repatriation. Ocean Employee Benefits International has more than 30 years of professional experience in the insurance industry.

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1 Tech Drive, Andover, MA 01810
  • Life Insurance

Why choose this provider?

Segreve & Hall is an insurance agency that has been delivering custom-tailored insurance solutions for clients in Lawrence and nearby areas for almost three decades. Its insurance agents have over 100 years of combined industry experience. They perform life insurance needs analysis to determine the appropriate coverage that matches clients' specific needs. Its life insurance policies provide cash funds in the event of the policyholder's untimely passing. Auto, homeowners', builder's risk, and surety bonds are also offered.

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 (136)
Facebook
5.0 / 5 (19)
Yelp
5.0 / 5 (4)

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
57 Broadway, Haverhill, MA 01832
  • Life Insurance

Why choose this provider?

Located in Haverhill, Berube Insurance Agency is a family-owned business serving individuals and businesses in the Lawrence area. It is an independent insurance agency that works with different carriers like Travelers, Foremost, and National General Insurance. Berube Insurance Agency provides personalized life insurance coverages, as well as health and auto insurance. It also helps clients obtain business, commercial, and workers' compensation insurance. Owned by Francis J. Berube, the company has been in the business since 1956.

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
4.3 / 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
2 Village Green Road, Hampstead, NH 03841
  • Life Insurance

Why choose this provider?

Core Insurance is a Hampstead-based company that extends its services to individuals, families, and business owners in the Lawrence metro. It offers life insurance policies that may include universal, whole, term, and long-term care coverages. Additionally, the company's team helps its clients acquire other personal and business insurance plans, such as homeowners', flood, umbrella, health, and workers' compensation insurance. Core Insurance also collaborates with several carriers to provide customized coverages, including Mapfre Insurance, Safeco, Travelers, and Progressive.

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
Facebook
4.0 / 5 (14)
Google
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
302 Broadway, Methuen, MA 01844
  • Life Insurance

Why choose this provider?

Martinez Insurance & Financial Services is an independent insurance agency that provides life insurance products and services to clients in Lawrence and nearby communities. The company offers variable life insurance, fixed annuities, and variable annuities. Its staff also handles property and casualty protection such as auto and home insurance coverage. Ana Martinez, the primary broker, has four years of experience in the field. She offers investment advisory and financial planning services through Prudential Financial Planning Services.

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 (8)
Google
5.0 / 5 (4)

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
68 Pleasant Street, Newburyport, MA 01950
  • Life Insurance

Why choose this provider?

Peter L. Chetsas Agency is an insurance agency serving in Lawrence and surrounding areas since 1988. With access to some insurance carriers, the agency provides numerous insurance options for individuals and businesses. The life insurance products available are term life insurance, universal life insurance, whole life insurance, and variable life & annuities. In addition to the insurance products, it also provides insurance-related services such as life insurance needs analysis, review of current insurance, and complimentary financial review.

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.
4.9
Google
4.9 / 5 (10)

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
324 Main Street, Reading, MA 01867
  • Life Insurance
  • Health Insurance

Why choose this provider?

Old Heritage Insurance Agency, LLC, is a life insurance company serving clients in Lawrence. The firm provides various life insurance options, such as term, whole, and universal life insurance, which secure policyholders in case of an unexpected event. Variable universal life insurance plans are also available. In addition, business, health, homeowners', renters', and workers' compensation insurance plans are offered by the agency. Some of its insurance carriers include Hagerty, Foremost Insurance Group, and Farmers 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.
4.3
Google
4.0 / 5 (26)
Facebook
5.0 / 5 (11)

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
60 Westville Road, Plaistow, NH 03865
  • Life Insurance
  • Health Insurance

Why choose this provider?

Insurance Solutions Corporation is an independent agency rendering services to clients in Lawrence and its surrounding areas. The company assists clients with several personal insurance products such as life, health, umbrella, and home insurance. Its agents structure either term or permanent life insurance policies to cater to the clients' distinct circumstances. The agency also covers commercial insurance policies, including cyber liability, farm, E&O, and workers' compensation. Insurance Solutions Corporation has over 30 years of experience in handling client requests and concerns.

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.
4.7
Facebook
5.0 / 5 (6)
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.
3.7
Responsiveness
Friendliness
Helpfulness
Detail
––

FAQs

  • How does a life insurance’s free look period benefit Lawrence consumers?

    Individuals in Lawrence benefit from the free-look period of life insurance because it allows them to try out a policy and helps them understand it, even if they have already purchased it. After receiving the policy, they have 10 days to reevaluate it and cancel it, if desired. If a client returns a life insurance policy during the free-look period, the insurer is required to refund the premium.

  • Can an insurer refuse a claim if a Lawrence life insurance policyholder committed suicide or if there was material misrepresentation in their application?

    Yes, insurers can deny claims if a Lawrence life insurance policyholder committed suicide or if there was a material misrepresentation within two years of the policy purchase. Material misrepresentation occurs when policyholders lie about a medical condition or situation that would cause an insurance provider to deny coverage. Understating one's age for a lower premium permits the insurer to deduct from the death benefit the premiums they would have charged if the actual age had been declared.

  • What happens to a Lawrence life insurance policy if the insurance company fails?

    A guaranty association may continue coverage on a Lawrence life insurance policy from a defunct insurance company as long as the premiums are still paid or the policy has a cash value. The association may do it directly, but more often than not, the insurance is transferred to another insurer. Policyholders should continue to pay the premium in order to keep their coverage active.

  • How can a Lawrence life insurance policyholder maintain coverage if they move out of state?

    A Lawrence life insurance policyholder who relocates outside of Massachusetts may continue to have guaranty association coverage if their insurer is a member of their resident state's guaranty association. Even if the policy was purchased elsewhere, this guaranty association will typically provide protection during the liquidation order. If the policyholder lives in a state where their previous insurer was not licensed, they are frequently covered by the state guaranty association where the insolvent insurer was domiciled.

  • Should a Lawrence resident decide to buy a life insurance policy based on its projected future cash surrender value?

    No, a Lawrence resident should not buy life insurance based on its projected future cash surrender value. They should instead look at guaranteed values that are based on the company's guaranteed interest rates, which do not fluctuate with market conditions. Future values are only estimates, and they may change as market prices fluctuate.

  • 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.

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