Massachusetts term life insurance quotes

Massachusetts Term Life Insurance

Life insurance. It’s never a matter of coverage, it was always about price. That is, of course, until someone dies. Then it’s about how much coverage, not how much it cost. MassQuotes provides free, complimentary Massachusetts term life insurance quotes.

Utilize our state of the art, comparative rating tool. Take a look at coverage, terms, and classifications. Quote with top companies and, if you find something that makes sense to you and your family, give us click, call or stop by.

Term life insurance is the most affordable type of life insurance you can purchase. If you’re looking for family protection: term life is the way to go (vs. whole life).

If you’re single, with no dependents, and looking for a small amount for burial and estate expenses then maybe a whole life policy is worth looking at. Whole life policies are permanent with fixed expenses.

MassQuotes provides free Massachusetts term life insurance quotes. Give us a click, call or stop by.

How much life insurance

How much life insurance

As a Massachusetts life insurance agent, I often hear the question: “How much life insurance do I need?”

It’s a great question.

The answer is, of course:  it depends.

Do you have a wife, a mortgage, 3 kids under the age of 15? How old is the youngest?

If, God forbid, you die, how much will your family need in order to pay the bills? Not just for a year or two, potentially, but for the next 10, 20 or 30 years.

In an ideal term, life insurance world, you want enough insurance to ensure your wife and kids will be able to thrive. For a time period of until, at least, each of them is old enough to work and pay for themselves.

As a general rule of thumb: $1M per child for a time period of 20 years if any are under the age of 15. 30 years if under the age of 5.

So, how much life insurance do you need?

How much can you afford?

Or, better question, how much can you afford not to?

 

Term Life Insurance in Massachusetts

Term Life Insurance in Massachusetts

MassQuotes is the number one site for Term Life Insurance in Massachusetts.

We utilize the markets and buying power of the independent agent.

Our companies include life insurance titans: AIG, Banner, John Hancock, Prudential,  Lincoln Financial, Mutual of Omaha, TransAmerica and Protective Life.

Term life insurance is the most affordable way to carry a large amount of coverage for family protection.

Simply: You choose a face amount and the number of years, or term. For example: $1,000,000 face amount for 20 years. Then apply. Insurance company will arrange para-med exam wherever, whenever convenient for you. Company will order medical records and then issue a policy offer.

Call, click or visit us at MassQuotes.

We’ll help you with your Term Life Insurance in Massachusetts.

Get the best term life insurance rates

get the best term life insurance rates

When applying for life insurance, MassQuotes will help you get the best term life insurance rates.

Remarkably, over the past quarter century, term life insurance rates have gone down. Unfortunately for you & me, we’ve gotten older and rates, for us, have gotten more expensive.

From Jack Speer, NPR News, Washington in 2006:

SPEER: The death rate for those in the 25 to 44-year-old age group – the biggest buyers of term life – fell 10 percent over the last decade. There are a number of reasons why people are living longer. There are advances in medical technology, early diagnosis of disease, and more effective medical treatment.

And then there’s the technology that has nothing to do with your doctor – the airbags in your car, for instance. The Internet too, has played a role in pushing down insurance premiums.

The best way to get the best term life insurance rates is to apply for  a long term while you’re young and healthy.

Once you’re as young and healthy as you’re going to get, you want to do your best to get a preferred, or super-preferred, non-smoking rating classification.

Improve your chances to secure the best possible ratings by following these pre-exam tips:

  • Fast for 4 to 8 hours prior to the exam and try to schedule the exam first thing in the morning, prior to eating.
  • Limit salt and high-cholesterol foods 24 hours prior to exam.
  • Limit caffeine 24 hours prior to exam.
  • Drink a glass of water one hour prior to exam.
  • Get a good night sleep prior to exam.
  • Refrain from drinking alcoholic beverages for at least 24 hours prior to exam.
  • Avoid the use of nasal decongestants to 24 hours prior to exam, if possible.

Call, click or stop MassQuotes to get the very best term life insurance coverage and rates.

Whole vs. Term Life Insurance

Whole vs Term Life Insurance

Term Life Insurance vs Whole Life Insurance

How do I know which is right for me?

There are two options when it come to life insurance: term life and whole life. Most people looking for life insurance as a way of family protection are looking for term life.

Term Life Insurance

Term life is offered for a specific term (typically: 10 year, 20 year or 30 year terms) and offers a face amount of coverage. If you die during the term of the policy, the insurance company will pay your beneficiary the face value of the policy.

The longer the term or higher the face value, the more expensive the policy.

Term life insurance is a more pure insurance product than whole life.

Whole Life Insurance

Whole life coverage is designed to provide “permanent” coverage vs. coverage for a specified term. A whole life policy will not expire, as long as premiums are paid.

Whole life policies have a cash value that builds up over time.

A whole life insurance policy includes not only the death benefit but also an investment component. Unlike term, whole life does not expire after a certain designated term.

The problem with whole life is that it’s significantly more expensive than term insurance.

Local, Independent Insurance Agent

Why should I use a local, 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.

massquotes advantage: Massachusetts Independent Insurance Agents:

  • 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, life and 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 term life insurance quote. We utilize the power of the independent insurance agent.

Term Life Insurance is important.

Term Life Insurance is important.

It makes sense to protect what you value. You insure your car, your home, and your valuables. What about you and your family? Term Life Insurance is important.

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

MassQuotes has the most competitive markets for life insurance including Legal & General (Banner Life & William Penn), AIG, John Hancock, Prudential along with many other companies.

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

Don’t wait another day: Term Life Insurance is important.

Give MassQuotes a call or click to get the discussion started.

What is Term Life Insurance?

what is term life insurance?

What is term life insurance?

Term life insurance is life insurance that provides coverage at a fixed cost for a certain period of time. After the term expires coverage is no longer in effect.

If the insured dies during the term of the policy, the face value (benefit) will be paid to the beneficiary.

Term insurance is the least expensive way to purchase a large amount of coverage for a specified “term” (typically 10, 20 or 30 year policies).

Term life insurance is the most “pure” type of life insurance policy. Different than whole life, universal life, or variable universal life.

Term insurance is not generally used for estate planning needs or charitable giving strategies but is used for pure income replacement needs for an individual.

Term insurance is used for such things as: family protection, consumer debt, dependent care, education for dependents, funeral costs, and mortgages.

MassQuotes recommends term because it’s much less expensive than other types of life insurance.

Massachusetts term life insurance

Massachusetts term life insurance

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.

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.

Sample Life Insurance Rates

Sample Life Insurance Rates

Joe Sample asks: “How about some sample life insurance rates?”

Joe lives in Massachusetts and was born February 2, 1991. He’s 26 years old. He’s in decent physical shape, doesn’t smoke and his family has a good medical history.

In Joe’s case, we are able to show him a preferred, 20 year term, $1,000,000 face value policy for only: $37.84 per month.

 

First Name: Last Name: Date of Birth: Gender: Height: Weight: Nicotine Use: Family History – Cancer: Family History – Cardiovascular Disease: State:
Joe Blow 02/02/1991 Male 5′ 9″ 156 None No No MA
Sample Life Insurance Rates:
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