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Best Life Insurance Companies in Somerville

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Avanti Insurance Agency logo
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Avanti Insurance Agency

17 Charles Street, Malden, MA 02148
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  • Life Insurance
  • Health Insurance

Business Description

Avanti Insurance Agency strives to provide insurance solutions that match every client's lifestyle, budget, and needs. It has options for life insurance policies that help customers prepare for unexpected risks and satisfy long-term financial goals. The firm was founded in 1986, serving individuals and families throughout the Somerville community. It consists of five professional agents, with bilingual speakers on staff to accommodate English- and Italian-speaking clients. Avanti Insurance Agency is a member of the Massachusetts Association of Independent Agents and Trusted Choice.

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
5.0 / 5 (13)

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
Black Horse Insurance logo
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Black Horse Insurance

175 Washington Street, Winchester, MA 01890
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  • Long Term Care
  • Term Life Insurance
  • Permanent Life Insurance Policy

Business Description

Black Horse Insurance is an independent agency based in Winchester. It provides individual insurance, employee benefits, and business continuation planning to clients in the Somerville area. It offers individual insurance products such as permanent life insurance, term life insurance, and long-term care. The agency's employee benefits plan includes wellness programs, online benefits administration, health reimbursement accounts, and health saving accounts. Black Horse Insurance works with various insurance carriers to provide a financial plan that covers each client's 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
Facebook
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
Corso Insurance Agency logo
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Corso Insurance Agency

274 Main Street, Stoneham, MA 02180
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  • Life Insurance

Business Description

Corso Insurance Agency is an insurance company located in Stoneham. Serving clients throughout Somerville and its neighboring communities, the company offers a wide array of personal and business insurance policies. It includes life insurance products with multiple options from over 15 insurance carriers. Corsi Insurance Agency is a family-owned and family-operated business that has been serving clients since 1985. Other products available include automobile insurance, business and commercial insurance, and homeowners insurance products.

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Doukakis Corsetti Insurance Agency Inc. logo
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Doukakis Corsetti Insurance Agency Inc.

22 Mill Street, Arlington, MA 02476
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  • Life Insurance

Business Description

Doukakis Corsetti Insurance Agency Inc. is an independent insurance firm serving customers in Somerville and the surrounding communities. It provides a wide range of life insurance products, including term, universal, survivorship, and whole life insurance. It also offers auto, disability, flood, general liability, workers' compensation, and yacht insurance policies. Owner Sandra Powell joined the company in 1985 and has more than 35 years of experience in the industry. The professionals at Doukakis Corsetti Insurance Agency are available 24/7 to address clients' 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.
4.4
Yelp
4.0 / 5 (4)
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
E. A. Stevens Company, Inc. logo
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E. A. Stevens Company, Inc.

205 South Main Street, Middleton, MA 01949
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  • Life Insurance

Business Description

E. A. Stevens Company, Inc., is an independent insurance agency that has been helping clients in Somerville and other cities in Massachusetts since 1903. It has different types of life insurance coverage plans that protect the clients based on their needs, such as universal, term, and whole life insurance. Furthermore, it provides policies for business, vehicle, and property. Its principal and president, Tom Cares, holds a Certified Insurance Counselor designation and has 26 years of experience in the 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.
4.4
Google
4.0 / 5 (5)
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
Fgu Investments logo
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Fgu Investments

529 main street Suite P200, Charlestown, MA 02129
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  • Life Insurance

Business Description

FGU Investments is a Charlestown-based mortgage lender that serves clients in Somerville. It offers life insurance that provides financial security to beneficiaries in the event of an unexpected death. The lender also provides other services, including mortgage refinancing, commercial lending, credit consulting, and financial planning. In addition, FGU Investments offers burial insurance that covers burial and cremation costs, as well as car loans and mortgages. Mortgage loan officer James Schoefield has received positive feedback for his knowledge about the mortgage 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.
4.7
Google
4.0 / 5 (16)

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
Garrett-Lynch Insurance Agency, Inc. logo
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Garrett-Lynch Insurance Agency, Inc.

411 Highland Avenue, Somerville, MA 02144
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  • Individual Plans
  • Life Insurance

Business Description

Garrett-Lynch Insurance Agency, Inc. is an independent insurance brokerage in Somerville that specializes in crafting tailored personal and business insurance solutions for clients in the metro. The firm has been in the insurance industry since 1936 and carries more than ten top-rated insurance providers for its insurance lines. It offers life insurance products such as term life, universal life, and whole life insurance products that provide policyholders as well as their dependents financial benefits upon death.

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.
4.1
Google
4.0 / 5 (7)
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
Integrated Benefits Group logo
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Integrated Benefits Group

271 Main Street, Stoneham, MA 02180
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  • Life Insurance

Business Description

Serving the community of Somerville, Integrated Benefits Group is an independent insurance agency that focuses on business and personal insurance for small to mid-sized companies. It partners with insurance carriers nationwide rather than any single provider to fit different kinds of business needs. For more than 20 years, it has been designing custom coverage and protection that meets the goals and needs of its clients. Integrated Benefits Group's agents evaluate each client's situation, including budget, to maximize the insurance protection.

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
Jeff Carbone Insurance logo
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Jeff Carbone Insurance

9 Washington Street, Wellesley, MA 02481
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  • Life Insurance

Business Description

Jeff Carbone Insurance is an independent agency serving the Somerville area. Its insurance agents help clients acquire life insurance plans such as variable, whole, term, and universal coverages. They also offer disability, long-term care, and indexed and fixed annuities services. The company works with various insurance carriers, including Providence Mutual, New London County Insurance Company, and MAPFRE Insurance Company. President Jeff Carbone has been in the insurance industry since 1978. After working with two major insurance companies, he founded the company in 1986.

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
Kalivas Insurance Agency Inc. logo
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Kalivas Insurance Agency Inc.

635 Massachusetts Avenue, Arlington, MA 02476
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  • Life Insurance
  • Health Insurance

Business Description

Kalivas Insurance Agency Inc. is an insurance company that has been serving clients in Somerville and the surrounding areas since 1981. In partnership with several insurance carriers, the agency offers a comprehensive list of personal and commercial lines insurance options, including term, whole, universal, and variable life insurance. Life coverage plans for groups, as part of employee benefits programs, are also available for employers. The agency conducts life insurance needs analyses to help clients in selecting the right coverage for 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.
4.7
Google
5.0 / 5 (4)
Yelp
4.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Knapp Schenck Insurance Services logo
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Knapp Schenck Insurance Services

1 India Street, Boston, MA 02109
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  • Life Insurance

Business Description

Knapp Schenck Insurance Services operates in Somerville and the surrounding areas, serving the insurance needs of residents and local businesses. It has relationships with large and well-known insurance carriers as well as small mutual companies. It carries life insurance plans like term life insurance and universal life insurance. Additionally, it provides business insurance plans like employment practices liability insurance, fiduciary liability, and directors & officers liability insurance. H. Vann. Schenck and Joseph W. Knapp founded the company in 1921.

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.
3.8
Google
4.0 / 5 (12)
Yelp
1.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Larson Insurance logo
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Larson Insurance

109 Massachusetts Avenue, Lexington, MA 02420
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  • Life Insurance

Business Description

Larson Insurance delivers a broad range of insurance products and services to clients residing in Somerville. It offers life, commercial, auto, and homeowners insurance. The death benefit under its life insurance product could be used to cover funeral expenses, repay debt, provide education, or pay estate taxes. In addition, Larson Insurance has group health and retirement plans. Some of the company's insurance carriers are American Modern Insurance Group, Bunker Hill Home Insurance, and Foremost Insurance 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.
5.0
Facebook
5.0 / 5 (4)
Google
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
Lonergan Agency logo
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Lonergan Agency

74 High Street, Medford, MA 02155
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  • Life Insurance

Business Description

Lonergan Agency is a 3rd generation family-owned and operated independent insurer that offers services in the Somerville area and its surrounding communities. It was founded by John Lonergan in 1918 and has been providing services for individuals and businesses since then. The company offers a wide array of personal insurance services such as life insurance, personal auto insurance, and homeowners' insurance. Aside from offering personal and commercial insurance policies, Lonergan Agency has also been providing real estate services since 1980.

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 (10)
Google
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Paul T. Murphy Insurance Agency logo
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Paul T. Murphy Insurance Agency

628 Broadway, Malden, MA 02148
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  • Life Insurance

Business Description

Paul T. Murphy Insurance Agency is an independent insurance agency that provides insurance services to residents and businesses in Somerville and the surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life insurance plans like term life insurance and whole life insurance. Additionally, it provides insurance packages like homeowners’ insurance, car insurance, workers' compensation insurance, professional liability insurance, fruit & vegetable wholesaler insurance, and employment practices liability insurance. The company was founded in 1988.

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
4.0 / 5 (102)
Facebook
4.0 / 5 (29)
Yelp
4.0 / 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
Sanviti Insurance Agency, Inc. logo
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Sanviti Insurance Agency, Inc.

699 Broadway, Everett, MA 02149
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  • Life Insurance

Business Description

Sanviti Insurance Agency Inc., caters to the insurance needs of families and small businesses throughout the Somerville community. Established in 1945, the company holds membership with the Renaissance Alliance. The agency offers various insurance products such as life, automobile, homeowners, and personal umbrella insurance. Its team consists of insurance professionals who are experienced in assisting clients with risk management and planning. They take a one-on-one approach to understand every client's needs and customize coverage to fit any circumstance.

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.
4.4
Google
5.0 / 5 (6)
Yelp
1.0 / 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
Sculos & Santilli Insurance Agency logo
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Sculos & Santilli Insurance Agency

906 Broadway, Everett, MA 02149
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  • Market Place
  • Life Insurance

Business Description

Founded in 1980, Sculos & Santilli Insurance Agency is a business that provides insurance plans for clients in Somerville and nearby locations. The independent agency represents multiple insurance companies to deliver various life insurance products that meet clients' specific financial objectives. Agents at this office offer term life, universal life, and whole life insurance policies that protect clients in the event of a tragedy. Other insurance products available are for scheduled properties, builder's risk, business owners, and workers' compensation.

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
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Supino Insurance Agency, Inc. logo
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Supino Insurance Agency, Inc.

550 Summer Street, Lynnfield, MA 01940
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  • Life Insurance

Business Description

Supino Insurance Agency, Inc., is a full-service independent agency that provides individuals and businesses with insurance solutions in the Somerville metro. The company started in the early 1980s and since then has been offering automobile, home, and life insurance. It also helps businesses in various industries in terms of commercial property and auto insurance, as well as commercial umbrella insurance. Its team also assists with the claims processes and bills payments. The agency has business with over 15 insurance companies like American Automotive Association and The Andover Companies.

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.
4.4
Google
5.0 / 5 (6)
Yelp
1.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
W Gochis Insurance Agency, Inc logo
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W Gochis Insurance Agency, Inc

113 Cambridge Street, Burlington, MA 01803
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  • Life Insurance

Business Description

W Gochis Insurance Agency, Inc, has been in business for more than 30 years, serving the insurance needs of residents and local businesses in the Somerville metro. It helps clients gain access to individual and business plans from various insurance companies. It offers various life insurance plans that help clients fulfill obligations, repay debt, cover funeral expenses, or cover expenses survivors might incur after the client passes away. William Gochis founded the company in 1984 and has more than 40 years of experience in the 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.
4.0
Google
4.0 / 5 (16)
Yelp
4.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
W.Allan Wide & Son Insurance Agency logo
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W.Allan Wide & Son Insurance Agency

887 Main Street, Winchester, MA 01890
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  • Life Insurance
  • Health Insurance

Business Description

Founded in 1932, W.Allan Wide & Son Insurance Agency is an independent firm serving clients in Somerville. Representing a variety of insurance companies, it offers life and health plans like personal or business life insurance, individual or group health insurance, annuities and mutual funds, disability insurance, long-term care insurance, and dental insurance. The company also provides special coverages for events such as exhibitions, weddings, street fairs, walk-a-thons, and festivals. Other available policy options include auto, home, and commercial.

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.
4.0
Responsiveness
Friendliness
Helpfulness
––
Detail
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WCC Insurance logo
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WCC Insurance

19 College Avenue, Somerville, MA 02144
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  • Life Insurance
  • Group Plans
  • No Exam Policies
  • Whole Life Insurance

Business Description

WCC Insurance has been serving customers in Somerville and the surrounding areas since 1886. With more than 100 years of experience in the business, the company strives to provide customers with customized insurance solutions. The products offered by the company include life insurance, auto insurance, business insurance, and home and renters' insurance. Customers can choose between three kinds of life insurance: term life insurance, permanent life insurance, and accidental death insurance. The insurance companies the agency represents include Aetna, AIG (American International Group), and Arbella 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.
4.4
Yelp
4.0 / 5 (4)
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
Back to Providers

Frequently Asked Questions

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.

Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

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