Expertise.com

2024

Last updated:

Best Life Insurance Companies in Worcester

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 Worcester 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.

7771Reviewed

4671Curated

21Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

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

Worcester, MA

Why choose this provider?

Need help contacting a Life Insurance Company in Worcester? 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
131 Millbury Street, Worcester, MA 01610
  • Life Insurance

Why choose this provider?

Zawada Insurance Agency has been assisting clients in Worcester with their insurance needs since 1989. It has partnered with multiple insurance carriers in order to provide clients with policies tailored to their objectives. The agents educate clients on available life insurance options and identify policies that benefit their dependents in different ways, such as replacing lost income or paying for future educational expenses. The most common life insurance plans it assists with are term life, whole life, and universal life 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.
4.1
Google
4.0 / 5 (14)
Yelp
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
446 Main Street, Worcester, MA 01608
  • Life Insurance

Why choose this provider?

Feingold Companies is a Worcester-based firm that offers insurance products and financial management solutions to individuals and businesses in the metro. The company was founded in 1935 by Nathaniel A. Feingold with the goal of crafting insurance and wealth management strategies for clients. It offers life insurance policies, such as term insurance and whole life insurance, which have options for investment opportunities, death benefits, and savings. Additionally, it handles wealth management and personal financial planning.

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

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
781 Main Street, Whitinsville, MA 01588
  • Life Insurance
  • Long Term Care
  • Term Life Insurance

Why choose this provider?

Whitinsville-based Wiersma Insurance Agency LLC is an independent insurance agency that offers insurance products to individuals and business owners in Worcester. The agency is managed by Wayne Wiersma whose father established the company in 1975. It offers a variety of insurance products such as term and whole life insurance, disability, estate planning, disability, and critical illness. Likewise, the company offers traditional and business insurance. Wiersma Insurance Agency LLC is a member of the Independent Insurance Agents and Brokers of America (IIABA).

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 (8)
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
25 Burncoat Street, Worcester, MA 01605
  • Life Insurance

Why choose this provider?

Moynihan Insurance Agency, Inc., is an independent insurance agency that serves individuals and small businesses in and around Worcester. The agency has been serving its clients since 1965. The company offers life insurance policies, including whole life, universal life, and term life options. Long-term care plans and disability insurance policies are also available. Other services include auto, business, and homeowners' insurance. The company carries products from different insurance companies, including Progressive, Foremost, and Preferred Mutual.

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 (7)
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
1382 Main Street, Palmer, MA 01069
  • Life Insurance
  • Whole Life Insurance
  • Long Term Care
  • Term Life Insurance

Why choose this provider?

Crimmins-Graveline Insurance is an insurance business that serves clients throughout Worcester and the surrounding areas. With multiple offices located in Palmer, Dudley, and Fiskdale, the agency handles various types of personal and business insurance products, such as life insurance policies, including whole life and term life insurance, disability life insurance, and long-term care life insurance. Crimmins-Graveline Insurance is comprised of a team of insurance advisers. Founded in 1929, the company is a member of Renaissance Alliance, offering clients a wide range of insurance plans.

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.
4.6
Google
4.6 / 5 (18)
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
1405 Main Street, Worcester, MA 01603
  • Life Insurance

Why choose this provider?

Marc Alkes Insurance is a Worcester-based independent insurance agency offering a wide array of insurance products throughout the area. Among the personal insurance plans that it offers include life and disability insurance. In addition, it provides auto, home, condo, and watercraft insurance plans. The company represents multiple insurance carriers in the market, such as Arbella, Encompass, and Foremost. Established in 1989, Marc Alkes Insurance is a member of various organizations, including the Satellite Agency Network, Worcester County Independent Insurance Agents, and SIAA Choices.

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 (19)
Facebook
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

Website
135 Thompson Road, Webster, MA 01570
  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Group Plans
  • Term Life Insurance
  • Permanent Life Insurance Policy

Why choose this provider?

O'Connor & Co. Insurance Agency, Inc., is an insurance agency headquartered in Webster. Serving clients in and around the Worcester area, the company provides a wide range of insurance types, including life and health insurance. Its team offers disability insurance, individual life insurance, and supplemental health insurance. The insurance specialists also assist clients in choosing the right insurance policy according to their budget and specific needs. O'Connor & Co. Insurance Agency is a family-owned business that has been serving clients for over 25 years.

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.
4.6
Yelp
4.5 / 5 (383)
Google
5.0 / 5 (50)
Facebook
4.7 / 5 (30)

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
45 South Quinsigamond Avenue, Shrewsbury, MA 01545
  • Life Insurance

Why choose this provider?

McCall Insurance Agency, Inc., is a Shrewsbury-based company that extends its services to the Worcester metro. It is an independent insurance agency that works with more than 40 carriers in providing customized coverages. The company caters to families and individuals who need assistance in purchasing life insurance plans. Additionally, it offers auto, homeowners', and rental property insurance. McCall Insurance Agency has been in the business for more than 28 years and has insured over 400 million dollars worth of residential and commercial properties.

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 (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
16 Providence Road, Sutton, MA 01590
  • Life Insurance

Why choose this provider?

Sasso Insurance & Financial Services, Inc., is a life insurance agency serving clients from Worcester. The company provides universal, whole, and term life insurance to prepare for the client's future. It also offers other services including property and casualty insurance, retirement income planning, and asset management. The firm is led by Lawrence Sasso, an insurance professional who has been working in the industry for 31 years now. He is currently the Vice President of the Grafton Little League.

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.
4.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
18 John Street Place, Worcester, MA 01609
  • Life Insurance

Why choose this provider?

Wolpert Insurance Insurance & Risk Management caters to individuals, families, and businesses in Worcester and the surrounding areas. It has been in the industry for more than 50 years, providing comprehensive life insurance plans which cover various policies, including term, whole, and combination. The business also offers home and auto insurance, in addition to liability and workers' compensation coverage. Furthermore, it works with various industry partners, including 180Advance, Fleet Safety, Artefact Design, and the Ethiopian Dream Center.

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
Facebook
4.7 / 5 (14)
Google
4.8 / 5 (12)

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
5 Whittier Street, Framingham, MA 01701
  • Life Insurance
  • Long Term Care

Why choose this provider?

Charles River Insurance is a Framingham-based company that extends its services in the Worcester area. It works with different national carriers, providing life insurance services tailored to the clients' needs. Charles River Insurance's life policies cover clients' funeral costs and outstanding debts. It also assists in other financial needs that the beneficiaries may have. Additionally, the company offers insurance coverage for cars, homeowners, and businesses. Charles River Insurance was established in 1998.

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
4.6 / 5 (57)
Facebook
5.0 / 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
143 West Street, Ware, MA 01082
  • Life Insurance

Why choose this provider?

Moulton Insurance is an independent insurance agency catering to clients in Worcester and its nearby areas. The agency specializes in term life insurance, whole life insurance, universal life insurance, long-term care insurance, and disability income insurance. The family-run company was founded in 1952 by Charles Moulton and is also licensed in other states such as Connecticut, New Hampshire, and Vermont. The agency also offers services related to home insurance, business insurance, automobile insurance, and personal 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.
4.2
Facebook
4.0 / 5 (5)
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
617 Mill Street, Worcester, MA 01602
  • Life Insurance

Why choose this provider?

Thomas Carroll Insurance is an independent insurance agency that offers life insurance to clients in Worcester. It provides term life insurance, whole life insurance, universal life insurance, and variable universal life insurance. Its insurance agents walk clients through the different types of insurance plans and help them find the policy that fulfills their needs. Additionally, it caters to auto insurance, homeowners' insurance, renters' insurance, and various business insurance options. Thomas Carroll Insurance carries MetLife, Preferred Mutual, and The Hartford.

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 (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

Website
670 Turnpike Road, New Ipswich, NH 03071
  • Health Insurance

Why choose this provider?

Serving Worcester, Bellows-Nichols Insurance provides a range of insurance coverage options to clients in the metro. It offers several group insurance policies such as life, health, disability, and dental. The company also provides other insurance products like automobile insurance, boat insurance, homeowners insurance, and renter’s insurance. Other service options include business insurance, travel insurance, and umbrella insurance. Bellows-Nichols Insurance has been providing insurance services since it was established in 1836. It caters to individuals, families, and small businesses.

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 (60)
Facebook
5.0 / 5 (30)

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 Main Street, North Brookfield, MA 01535
  • Life Insurance

Why choose this provider?

Cuddy Insurance Agency Inc. is a family-owned and family-operated independent insurance agency that has been serving the residents of Worcester for almost a century. It offers various life insurance products, including term life insurance, whole life insurance, universal life insurance, and joint life insurance. Insurance companies that it represents include MAPFRE Insurance, Safety Insurance, and Travelers of Massachusetts. President Betsy Cuddy is a certified insurance counselor that has been working in the insurance industry for more than 30 years.

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 (23)
Google
5.0 / 5 (9)

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
201 Park Avenue, Worcester, MA 01609
  • Life Insurance

Why choose this provider?

Wealth Advisory Services, LLC, is an insurance agency that offers life insurance and financial solutions in and around the Worcester metro. It has other insurance programs such as business income continuation, estate conservation strategies, and disability income insurance. In addition, it provides retirement income planning and investment services. Joel N. Greenberg, its founder, has been in the industry since 1978. After his extensive knowledge in the business, he established Wealth Advisory Services, LLC, in 2004.

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 (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
2 Willow Street, Southborough, MA 01745
  • Life Insurance
  • Health Insurance

Why choose this provider?

Fitts Insurance Agency is an independent insurance agency that serves clients in Central and Eastern Massachusetts. The agency provides property/casualty insurance as well as life insurance and related financial services. Its services include, life and disability insurance, retirement planning, short and long-term care as well as supplemental medical plans. The agency also offers home and auto insurance, coverage for condominiums, automobiles, commercial properties, cyber liability, employment practices liability and workers compensation. Since its founding in 1932, it has assisted over 1,500 businesses and more than 6,000 individuals and families.

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 (102)
Yelp
4.4 / 5 (9)

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
704 Southbridge Street, Worcester, MA 01610
  • Life Insurance
  • Individual Plans
  • Group Plans

Why choose this provider?

Mainstream Insurance Agency Inc. is a locally owned insurance company serving clients in Worcester and the surrounding areas. The company's team of professionals assists clients in purchasing term and whole life insurance coverage, both designed to help create an inheritance for their heirs and pay for estate tax and final expenses. They also offer coverage for auto, homeowners, condo, watercraft, and renters insurance. Commercial products are also available, such as general liability, business property, and workers' compensation 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 (281)
Facebook
5.0 / 5 (25)
Yelp
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
292 Park Avenue, Worcester, MA 01609
  • Individual Plans
  • Life Insurance

Why choose this provider?

Horizon Insurance is an independent agency that serves Worcester and the surrounding areas. The company offers life insurance solutions, including term life, whole life, and universal life policies. It also offers personal insurance products, such as auto, home, jewelry, and boat insurance. Commercial clients can also take advantage of various business insurance policies covering general liability, commercial auto and fleet, property, and workers' compensation insurance. Additionally, umbrella policies are also available for those looking to get additional coverage beyond what traditional policies offer.

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.
4.6
Google
5.0 / 5 (72)
Facebook
4.0 / 5 (45)

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

FAQs

  • How do you find a deceased parent's life insurance policy in Worcester?

    To find a deceased parent's life insurance policy, check the National Association of Insurance Commissioners's website using the Life Insurance Policy Locator tool. If your deceased parent's insurer has changed its name or been merged and sold off to another, ask the new insurer from the MA Division of Insurance Consumer Service Unit by calling 617-521-7794. Another way of locating the policy in Worcester would be to contact the Unclaimed Property division of the State Treasurer's Office at 617-367-0400.

  • Should you pick the life insurance with the lowest cost in Worcester?

    Instead of choosing life insurance with the lowest cost, balance the affordability of the life insurance with your needs and goals. One helpful advice is to obtain coverage worth 10 times more than your income in a year. For example, if your annual income in Worcester is $100,000, you should buy a policy with a coverage of $1,000,000. Note that this might not be enough if you plan to fund your children's college education or pay for your home mortgage.

  • Can you borrow funds from your life insurance in Worcester?

    You can only borrow funds from your policy in Worcester if you have universal or whole-life insurance with a cash-value component. Depending on the insurance company's requirement, you can be eligible to get the funds when your payments have reached a certain minimum. However, there is a limit as to how much amount you can take out, and most of the time it is 90% of the policy's cash value.

  • When a policy in Worcester is terminated, can you claim investment loss on a tax return if you receive less than what you have paid?

    When you surrender a policy in Worcester, you cannot claim investment loss on a tax return just because the amount on the premiums you have paid is more than what you can get. The same also happens if you have lapses in premium payments and would like to terminate the policy and get back what you have paid. The reason for this is that life insurance is not treated as an investment asset under tax laws.

  • Why can't some beneficiaries in Worcester receive proceeds from life insurance?

    If the proof of death is not sufficient, as in cases when the death occurred overseas, insurance companies in Worcester may delay or deny payment of benefits. Beneficiaries may also face problems with the payout if there are lapses in the payment of the life insurance premiums or the policy is terminated. If the deceased policyholder made some mistakes on their insurance application or withheld information, the insurance company may not provide benefits at all.

  • 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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