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Best Life Insurance Companies in Worcester

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Bellows-Nichols Insurance logo
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Bellows-Nichols Insurance

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

Business Description

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 (52)
Facebook
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
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Charles River Insurance logo
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Charles River Insurance

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

Business Description

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 (32)

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
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Detail
Crimmins - Graveline Insurance logo
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Crimmins - Graveline Insurance

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

Business Description

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
Cuddy Insurance Agency Inc. logo
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Cuddy Insurance Agency Inc.

220 North Main Street, North Brookfield, MA 01535
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  • Life Insurance

Business Description

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
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Detail
Feingold Companies logo
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Feingold Companies

446 Main Street, Worcester, MA 01608
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  • Life Insurance

Business Description

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
Google
3.0 / 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
Fitts Insurance Agency logo
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Fitts Insurance Agency

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

Business Description

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.
4.8
Google
4.9 / 5 (46)
Yelp
4.5 / 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
Horizon Insurance logo
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Horizon Insurance

292 Park Avenue, Worcester, MA 01609
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  • Individual Plans
  • Life Insurance

Business Description

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.
5.0
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
Mainstream Insurance Agency Inc. logo
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Mainstream Insurance Agency Inc.

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

Business Description

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
Marc Alkes Insurance logo
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Marc Alkes Insurance

1405 Main Street, Worcester, MA 01603
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  • Life Insurance

Business Description

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
McCall Insurance Agency logo
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McCall Insurance Agency

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

Business Description

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
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Moulton Insurance Agency Inc. logo
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Moulton Insurance Agency Inc.

143 West Street, Ware, MA 01082
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  • Life Insurance

Business Description

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
Moynihan Insurance Agency, Inc. logo
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Moynihan Insurance Agency, Inc.

25 Burncoat Street, Worcester, MA 01605
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  • Life Insurance

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
O'Connor & Co. Insurance Agency, Inc. logo
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O'Connor & Co. Insurance Agency, Inc.

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

Business Description

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
Oxford Insurance Agency logo
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Oxford Insurance Agency

300 Main Street, Oxford, MA 01540
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  • Life Insurance

Business Description

Oxford Insurance Agency is an independent insurance agency that provides insurance services to residents and businesses of Worcester 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 business insurance packages like business owners insurance, business auto insurance, crime insurance, cyber liability insurance, and directors & officers liability insurance. It is owned and operated by CEO Brian Ravenelle.

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 (170)
Facebook
5.0 / 5 (49)
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
Sasso Insurance & Financial Services, Inc. logo
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Sasso Insurance & Financial Services, Inc.

16 Providence Road, Sutton, MA 01590
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  • Life Insurance

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Thomas Carroll Insurance logo
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Thomas Carroll Insurance

617 Mill Street, Worcester, MA 01602
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  • Life Insurance

Business Description

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 (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
Wealth Advisory Services, LLC logo
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Wealth Advisory Services, LLC

201 Park Avenue, Worcester, MA 01609
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  • Life Insurance

Business Description

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
Wiersma Insurance Agency LLC logo
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Wiersma Insurance Agency LLC

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

Business Description

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
Wolpert Insurance Insurance & Risk Management logo
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Wolpert Insurance Insurance & Risk Management

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

Business Description

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.
4.7
Google
4.8 / 5 (12)
Facebook
4.4 / 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
Zawada Insurance Agency logo
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Zawada Insurance Agency

131 Millbury Street, Worcester, MA 01610
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  • Life Insurance

Business Description

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)

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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