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Best Life Insurance Companies in Manchester

2024

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Providers

Last updated:

Website
3 Bedford Farms Drive, Bedford, NH 03110
  • Life Insurance

Why choose this provider?

HPM Insurance is a company that helps clients in Manchester in acquiring policies to insure their life, properties, or undertaking. Its lineup for personal insurance includes coverage for health, autos, homes, and disasters like floods and earthquakes. It also offers business insurance solutions for industries such as manufacturing, hospitality, retail, and life sciences. The company represents nearly 30 different providers and goes over them in order for clients to get a number of insurance options. HPM Insurance is a member of the Chamber of Commerce in various regions.

License Verified:

License: 9066773

New Hampshire Insurance Department

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 (28)
Google
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
194 Rockingham Road, Londonderry, NH 03053
  • Life Insurance

Why choose this provider?

Financial Insurance Services, Inc., is an independent insurance company that serves Manchester and the surrounding areas. It offers a range of personal insurance products, including term life, whole life, and universal life insurance. The firm's agents work with clients in choosing the policies that fulfill their unique needs and goals. Some of its other insurance coverages are home, auto, and commercial insurance plans. Financial Insurance Services has been in the industry since 1983.

License Verified:

License: 380800

New Hampshire Insurance Department

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 (15)
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
1364 New Hampshire 3A, Bow, NH 03304
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

Established in 1989, Gallant Insurance, Inc. is a family-owned, and family-operated insurance broker assisting individuals and their loved ones safeguard their financial future. Serving the community of Manchester, its agents deliver term, whole, and universal life policies, with supplemental plans, such as accidental death, long-term care, disability, Medicare supplements, and individual and group health. As an independent agency, it represents several top-rated carriers allowing its clients to choose the insurance policy that covers what is most important to them.

License Verified:

License: 354920

New Hampshire Insurance Department

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 (12)
Yelp
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
40 Stark Street, Manchester, NH 03101
  • Life Insurance

Why choose this provider?

Aspen & Snow Insurance Agency has been serving the insurance needs of Manchester for over 15 years. Its agents help individuals understand the different life insurance policies and choose suitable and adequate coverages. They offer both term life and permanent life insurance and present strategies that align with each client's individual needs. The company also offers its services on other personal, professional, and property insurance lines. Its founder, Will Infantine, has 20 years of experience and is a board member of the New Hampshire Association of Independent Agents.

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 (12)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
453 Second Street, Manchester, NH 03102
  • Life Insurance

Why choose this provider?

The Insurance Doctor LLC is an insurance agency that serves clients in the Gastonia area. It offers an array of life insurance plans to help customers secure their financial obligations to their families and loved ones. Its policies, which include term, whole, and universal life insurance, can be used to pay off mortgage and debts, cover burial expenses, and pay for medical and hospital bills. The Insurance Doctor aims to build long-term relationships with its clients by presenting a wide selection of quotes for them.

License Verified:

License: 2020439

New Hampshire Insurance Department

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 (6)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
264 South River Road, Bedford, NH 03110
  • Life Insurance
  • Health Insurance

Why choose this provider?

Cornerstone Benefit & Retirement Group, Inc. is a life insurance company serving clients in Manchester and nearby areas. The firm provides a wide range of options for life insurance including term, whole, and universal policies. Insurance products for disabilities, retirement, and health are also available. This locally owned and operated brokerage firm has been providing its services to the community since 1993. Its team of insurance professionals is well-versed in handling the needs of individual and commercial markets.

License Verified:

License: 368289

New Hampshire Insurance Department

Professionalism:

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

Website
911 Candia Road, Manchester, NH 03109
  • Life Insurance

Why choose this provider?

Fortified Insurance Agency, Inc., is an independent agency that delivers personalized life coverage plans to the residents of Manchester. The company works with selected insurance companies to provide life insurance policy options to their clients. Its staff members educate their customers on the differences of term, universal, and whole life insurance and help them choose one suitable for their needs. Fortified Insurance Agency, Inc., also offers auto, home, business, surety bonds, commercial property, and workers' compensation insurance.

License Verified:

License: 8420608

New Hampshire Insurance Department

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 (49)
Facebook
4.0 / 5 (29)
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
510 Kelley Street, Manchester, NH 03102
  • Life Insurance
  • Health Insurance

Why choose this provider?

Tony Capraro III is a State Farm Insurance agent who helps his customers in and around Manchester find the right life insurance for them. The long-time New Hampshire resident offers a wide range of life insurance options, which include whole life, term, and universal life. Additionally, he assists clients who want to change their policies or beneficiaries from their life insurance plans. Tony also has personal insurance plans, which cover properties, health, disabilities, pets, and small businesses.

License Verified:

License: 781092

New Hampshire Insurance Department

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 (40)
Facebook
4.7 / 5 (29)

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
500 South Street, Bow, NH 03304
  • Life Insurance
  • Term Life Insurance
  • Permanent Life Insurance Policy

Why choose this provider?

Allied Insurance Agency Inc. is an independent insurance agency serving clients in Manchester and surrounding areas since 1966. The company offers both permanent and term life insurance. Its staff also provides auto insurance policies for motorcycles, antique cars, and recreational vehicles. The agency also handles home and business insurance. Together with Bow Youth Athletics, Allied Insurance Agency Inc. supports local families going through breast cancer by organizing the Annual Home Run Derby – Hitting Breast Cancer Out of the Park event.

License Verified:

License: 360274

New Hampshire Insurance Department

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

Professionalism:

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

Website
22 Mc Allister Drive, Londonderry, NH 03053
  • Life Insurance

Why choose this provider?

Beals Insurance Agency is an independent insurance agency with locations in Londonderry and Bedford that serves clients in the local area and their surrounding communities, including Manchester. The agency offers an array of insurance products such as individual life, homeowners, automobile, recreational vehicle, and personal umbrella insurance. In addition, its insurance professionals take a one-on-one approach when working with clients to better understand their financial needs in order to customize insurance policies that suit them.

License Verified:

License: 427980

New Hampshire Insurance Department

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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1578 Dover Road, Epsom, NH 03234
  • Life Insurance

Why choose this provider?

Eames Insurance Services is a family-owned and family-operated business established in the fall of 1988. Since its foundation, it has been serving the insurance needs of Manchester and surrounding communities. It offers various insurance programs, including life insurance, annuities, long-term care, and retirement planning, to protect families from unforeseen circumstances. Additionally, its agents write insurance policies covering properties, personal liabilities, businesses, professional liabilities, and workers' compensation. Eames Insurance Services is a member of the IIABA.

License Verified:

License: 2338029

New Hampshire Insurance Department

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

Website
1000 Elm Street, Manchester, NH 03101
  • Health Insurance

Why choose this provider?

Germain Insurance is a life insurance company that services clients from Manchester and nearby areas. The firm provides whole, universal, and term life insurance to ensure security for the clients' loved ones. Aside from life insurance, there are also policies for vehicles, homes, health, and businesses. The business is owned by Christine Tremblay Germain, who has been working in the insurance sector for over 20 years. One of her partner insurance carriers is Safeguard Insurance.

License Verified:

License: 2252980

New Hampshire Insurance Department

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 (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.
2.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5 Nashua Road, Londonderry, NH 03038
  • Life Insurance
  • Health Insurance

Why choose this provider?

Brownell Insurance Center is an independent insurance agency that has been offering life insurance options in Manchester for more than 30 years. This agency works with various respected insurance carriers, such as Progressive and Safeco Insurance, to provide its clients with resources to select the protection and coverage that meets their goals and needs. Its agents guide individuals with acquiring life policies as well as supplemental plans. Brownell Insurance Center has two offices in Londonderry and Hampton to extend its services to more clients.

License Verified:

License: 358310

New Hampshire Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
5.0 / 5 (15)
Yelp
2.0 / 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
1837 Elm Street, Manchester, NH 03104
  • Life Insurance
  • Health Insurance

Why choose this provider?

Dick Lombardi is a State Farm insurance agent who serves Manchester and the other areas in New Hampshire. He provides life insurance solutions, including term, whole, and universal life insurance policies. Dick also offers home and property, auto, health, and pet medical insurance. Additionally, business owners can take advantage of commercial insurance policies like BOPs, commercial auto, and workers' compensation coverage. Clients who wish to inquire or check on their policies can do so through the 24/7 StateFarm Insurance Customer Care Center.

License Verified:

License: 3356868

New Hampshire Insurance Department

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.
3.1
Google
3.0 / 5 (12)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1340 Bodwell Road, Manchester, NH 03109
  • Life Insurance
  • Health Insurance

Why choose this provider?

Allen Associates is an independent insurance agency that provides insurance services to residents of Manchester and the surrounding communities. It represents multiple insurance companies that provide personal and group insurance packages. It provides personal insurance services like life insurance with living benefits, long-term care plans, guaranteed lifetime retirement annuities, senior life insurance plans, and bridge plans for ages 60-65. Additionally, it provides group insurance services like dental plans and vision plans. Manchester-based Allen Associates was founded in 1976.

License Verified:

License: 2036201

New Hampshire Insurance Department

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 (10)

Website
166 Concord Street, Manchester, NH 03104
  • Life Insurance
  • Health Insurance

Why choose this provider?

Wieczorek Insurance is a company that helps businesses in Manchester and its surrounding areas with employee benefits. The firm works with providers such as Aflac and Colonial Life for the employees' life, accident, and disability insurance needs. In addition, the agency offers a variety of personal insurance products, which cover different types of homes and vehicles. These include condos, rental properties, mobile homes, collector cars, and motorcycles. Wieczorek Insurance is a family-owned business that was founded by Raymond J. Wieczorek in 1964.

License Verified:

License: 359193

New Hampshire Insurance Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (38)
Facebook
5.0 / 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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
24 Mount Major Highway, Alton, NH 03810
  • Life Insurance

Why choose this provider?

Morin Insurance Agency works with different insurance companies while offering the residents of Manchester the benefits of getting insured locally. The company's life insurance policies fall under either term or permanent insurance. It also offers auto and motorcycle insurance as well as insurance for homeowners and renters. The family-owned, independent agency has been in business for over four decades covering New Hampshire, Connecticut, and all New England states. It works closely with locally established businesses.

License Verified:

License: 2076786

New Hampshire Insurance Department

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
66 Hanover Street, Manchester, NH 03101
  • Health Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

Northeast Planning Associates, Inc., is a Manchester-based firm that offers life insurance products. With over six decades of experience in the industry, the company is currently led by Caleb Kirby, who is a 20-year financial and insurance advisor, and Ryan Callahan, who began his career in 2009. Northeast Planning Associates offers whole life insurance, equity index and fixed annuities, universal and variable life insurance, and term insurance including health and dental benefits.

License Verified:

License: 355565

New Hampshire Insurance Department

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1155 Elm Street, Manchester, NH 03101
  • Life Insurance

Why choose this provider?

Mason Financial Group is a financial solutions company specializing in investment management, business solutions, and individual & family solutions. Its investment advisory services offer fund advisory and rep-directed programs. Its business solutions services include executive benefits, succession planning, and key person insurance. The company also has programs for the individual and families, this includes life insurance, estate planning, and retirement planning.`The firm was founded in 1972, and throughout the decades, it has served individuals and business clients in Manchester and Hampton.

License Verified:

License: 397693

New Hampshire Insurance Department

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
74 Main Street, Raymond, NH 03077
  • Life Insurance
  • Health Insurance

Why choose this provider?

Established in 1984, Annis-Rajchel Insurance Agency Inc. is a family-owned and family-operated independent insurance company that serves the Manchester area. The firm provides life insurance options for individuals and families seeking financial protection for their loved ones in the event of death. The agency also offers auto insurance and homeowners' insurance coverages. Agent Jan Rajchel's career in the insurance industry has spanned for more than three decades. Annis-Rajchel is licensed in New Hampshire and Maine.

License Verified:

License: 361051

New Hampshire Insurance Department

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

Frequently Asked Questions

  • How will divorce affect the division of life insurance in Manchester?

    Term-life insurance will not be split during divorce settlement because of the absence of a cash value component. In contrast, the court in Manchester may order the division of whole-life insurance because of its cash value component. Additionally, the court may require life insurance if alimony or child support payments are ordered during a divorce.

  • What are the tax implications of life insurance in Manchester?

    Generally, the taxable income of the beneficiaries excludes proceeds obtained from life insurance. Policyholders in Manchester do not pay taxes as the value of their life insurance policy rises each year. Premium payments are not tax-deductible, but if they are paid to someone, such as in the case of alimony payments, such individual's income may have tax-deductible benefits.

  • If you move to another state, can your life insurance policy obtained in Manchester protected under the New Hampshire Life and Health Insurance Guaranty Association still be valid?

    The life insurance policy you purchased in Manchester is still guaranteed by the New Hampshire Life and Health Insurance Guaranty Association so long as you continue paying premiums. This is because the protection is offered by the state of residence at the time the insurance company became insolvent, regardless of where the policy is purchased.

  • Are life insurance agents in Manchester required to be licensed in the state?

    Yes. To be licensed, life insurance agents and brokers in Manchester need to pass the formal written exam required by the New Hampshire Department of Insurance. However, they are not required any pre-licensing education. In addition to this exam, a background check will be issued. Individuals with Chartered Life Underwriter designations who are applying for a life insurance license may only take the NH Life Insurance Laws and Regulations exam.

  • What are the things you should expect if a medical exam is required in a life insurance application in Manchester?

    The medical exam requirement in a life insurance application may not really take a day to complete but in most cases just about 20 to 45 minutes. Requirements vary for each insurance company and policy type but usually include a phone interview, written Q&A, and medical tests such as X-ray, urine analysis, and blood test. There are options in Manchester to take tests at home and office or through an authorized clinic or doctor's office.

  • 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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