Life Insurance

It makes sense to protect what you value. You insure your car, your home, and your valuables. What about you & your family?

Without life insurance, you leave your family open to risk.

If you have a policy in place perhaps you should think about replacing or adding another.

You should review your life insurance every time a major change happens in your life – a marriage, birth of a child, purchase of a house, or starting a business.

Fortunately, life insurance can be surprisingly easy and affordable.

It may sound cliché but “life insurance isn’t for the people who die. It’s for the people who live.”

Through our network of Independent, Massachusetts Insurance Agents, Massquotes.com offers the most competitive rates from companies such as SBLI and Banner Life along with many other companies.

Please give us a call or submit a quote request if you would like to get rates or discuss.

Shop for MA Insurance with Massquotes

Massquotes.com is your internet insurance website for finding the most competitive Massachusetts Auto, Home & Life Insurance.

MassQuotes utilizes the power of your local, independent insurance agent to shop for the best coverage and the best rates with the best companies.

Your MA independent agent writes with numerous companies and will be able to package your policies for the best premiums.

Your insurance agent should be able to help you with the MA Registry of Motor Vehicles.

Your MA agent will advocate for you at claim or billing time.

To find the best Massachusetts auto, home or life insurance rate: call or click us today!

Your Massachusetts Independent Insurance Agent

Why a Massachusetts Independent Insurance Agent?

Some people think it doesn’t really matter where they buy their Massachusetts insurance. This misconception is most likely costing them money, service, and protection.

Buying a Massachusetts insurance policy isn’t like buying bread or milk. Insurance is an important safety net for your family, your home, your car and your business.

Don’t treat your purchase lightly!

There are three sources to go to for your Massachusetts insurance protection:

  1. Captive Agents, who sell insurance for only one company.
  2. Direct writers & telephone representatives, who can offer you the insurance of one company, and only on the internet & telephone.
  3. Independent MA Insurance Agents, who represent an average of eight insurance companies, and shop to find you the best combination coverage and price.

Your Massachusetts Independent Insurance Agent:

  • Is a licensed professional with strong customer and community ties.
  • Gives you excellent service and competitive prices because your agent can access the insurance coverage from more than one company.
  • Unlike other agents, your Independent Insurance agent is not beholden to any one company; thus, you don’t need to change agencies as your insurance and service needs change.
  • Assists you when you have a claim.
  • Is your consultant, working with you as you determine your needs.
  • Offers you a choice of Massachusetts insurance plans and programs.
  • Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.
  • Offers one-stop shopping for a full range of products – Massachusetts home insurance, renters, Massachusetts car insurance, business, lifeand health.
  • Can periodically help you review your coverage to keep up with your changing insurance needs.
  • Treats you like a person, not just another number.
  • Customer satisfaction is the key to a Massachusetts independent agent’s livelihood. So, serving you is a very important concern.

There Is A Difference between Massachusetts Independent Insurance Agents and Captive Agents.

Call or click us at Massquotes to get your free MA insurance quote.

Life Insurance Reminder

 

Do you have a Massachusetts term life insurance policy already in effect?

If so, you may want to re-apply.

Term life insurance rates are extremely low right now.

If you can get in a more preferred category, extend your policy term, and pay less money, then it may be worth the effort (application & medical exam etc.) to re-apply.

Please call or click us to discuss.

Massachusetts Term Life Insurance Part 2

It makes sense to protect what you value. You insure your car, your home, and your valuables. What about you & your family? Without life insurance, you leave your family open to risk. If you have a policy in place perhaps you should think about replacing or adding another. You should review your life insurance every time a major change happens in your life – a marriage, birth of a child, purchase of a house, or starting a business. Fortunately, life insurance can be surprisingly easy and affordable. It may sound cliché but “life insurance isn’t for the people who die. It’s for the people who live.” Through our network of Independent, Massachusetts Insurance Agents, Massquotes.com offers the most competitive rates from companies such as SBLI and Banner Life along with many other companies. Please give us a call or submit a quote request if you would like to get rates or discuss.

Which Coverage to Buy?

Term insurance is the most inexpensive form of life insurance and it is the most pure form of insurance. The entire premium amount goes towards covering the risk of your life. In the event of your death during the policy term, your dependents will get the cover amount, but if you survive the policy term (usually 10, 20 or 30 year terms) you get no benefits or “sum assured”.

Term insurance premiums depend on several factors including: the face amount of the policy, age & health of the applicant, and the length of the policy term.

How Much to Buy?

Good question. You need the difference between what your assets can earn and what your current expenses need. A rough rule of thumb is that we should insure our lives for between seven and 10 times our annual income. As one’s income goes up, so does, hopefully, one’s savings & the need for additional life insurance.

When to Buy and For How Long?

The most important time to buy term life insurance is when you have a family depending on your income. You will want a term of, at least, until your children reach adulthood.

Choose the Right Life Insurance Plan

As no surrender or maturity values are attached to a term plan, one should choose the plan that comes with lowest premium. The term of the policy should be the longest that is financially reasonable.

MassQuotes.com’s Suggestion:

When companies give you a quote it is always a “non-binding” quote until the company has done a medical background check and reviewed urine and blood samples.

The company will then issue a policy with a “locked in rate” which the consumer then (usually) has a “30 day free look” period to decide whether to accept the policy or not.

We suggest that it is important to protect your loved ones and that you go through the quote & application process. Once the rate is approved decide whether or not you want the policy at that particular premium or you can re-apply with another company.

Call or click us today!

Massachusetts Term Life Insurance

When it comes to family protection, Massquotes recommends term life insurance.

Term insurance is the simplest, most affordable, & most pure type of life insurance product.

The concept is:  you decide on a face value and a term for your life insurance policy.

Face values for the life insurance policy typically range from $250,000 to $500,000 to $1,000,000 and more.

The term can be: 10 year term, 20 year term or 30 year term. The longer the term, the more expensive the annual premium.

If you die during the term of the policy, the insurance company will pay the face value to your beneficiary.

Sample, Massachusetts term life insurance quotes:

$1,000,000 face value; 10 year term for a 30 year old, non-smoking male, annual “super-preferred” premium:  $260

The same policy for a 30 year old female: $229.92.

Call or click us today to get your free, no obligation MA term life insurance quote. We will shop your life insurance with numerous companies to find the best premium.

MA Auto Insurance Quotes

Did you know MassQuotes.com utilizes the power of the Independent Massachusetts Insurance Agent to find you the best rates with the best insurance companies?

MassQuotes.com is your internet insurance website for finding the most competitive Massachusetts Auto, Home & Life Insurance.

Your MA independent agent writes with numerous companies and will be able to package your policies for the best premiums.

Your insurance agent should be able to help you with the MA Registry of Motor Vehicles.

Your MA agent will advocate for you at claim or billing time.

To find the best Massachusetts auto, home or life insurance rate: call or click us today!

Shopping for MA home and auto insurance

If you’re shopping for Massachusetts home and auto insurance, then you have arrived at the right place.

By packaging home (condo or apartment) insurance coverage with the same company you have your auto insurance you can save a ton of money.

At MassQuotes we utilize the power of the Massachusetts independent insurance agent. MassQuotes shops for MA home and auto insurance with some of the best companies.

One of our MA companies saves you 20% on home insurance and 15% on auto insurance if you package togethor. In addition, if you sign up for their “e-customer” product you can save an additional 7% on the auto and 5% on the home insurance.

Give a call or click us today!

Financial Tips

In this past Boston Sunday Globe’s Business Section, Michelle Singletary writes a book review of Jack Otter’s Worth It … Not Worth It? Simple & Profitable Answers to Life’s Tough Financial Questions.

Within her article she highlights the following practical tips:

New or used car? A car loses a whole lot of value in its first two years of life, and the smart-money move is to let someone else pay that depreciation.”

Buy or lease a car? Buying a car is a better deal than leasing … Leasing a car is like always going to the more expensive restaurant.

Stock or mutual fund? It’s no contest: mutual fund. Reasons not to buy invdividual stocks: The deck is stacked against you.”

Take or decline the rental car insurance? One word: Decline. If you want to be polite, make it, ‘Decline, thank you.’

Term Life insurance or permanent life insurance? You need a term policy. The bottom line is this: Permanent life insurance is a lousy investment for 99 percent of the population.”

MA Term Life Insurance

We recommended term life insurance when it comes to family protection.

It’s the simplest, most affordable, & most pure type of life insurance product.

The concept is:  you decide on a face value and a term for your life insurance policy.

The term can be: 10 year term, 20 year term or 30 year term. The longer the term, the more expensive the annual premium.

Face values for the life insurance policy typically range from $250,000 to $500,000 to $1,000,000 and more.

Call or click us today to get your free, no obligation MA term life insurance quote.