Life Insurance

Life Insurance is not complicated or expensive when you work with one of our licensed sales representatives. Let's explore options to protect your loved ones.

The Benefit of Life Insurance

The most important benefit is that you won’t be leaving your loved ones with a giant pile of debt and expenses. Think about it. Not only would they have to grieve your death, they’d also have to figure out how they’re going to pay for everything (past, present and future).

What are my Life Insurance options?

There are three types of life insurance, with a number of differences between them, but boiled down term, whole and universal plans do the same thing — they payout a set amount of money to someone when you die.

Term Life Insurance: This option is geared toward younger people because it’s more of a temporary plan that only covers you for a period of time, usually 10, 20 or 30 years. If you were to stop living within that timeframe, a set amount of money would go to the people/person you choose.

Whole Life Insurance:  It has the same concept as term, but this policy is forever (or until you die). It also has a bell and a whistle.
  • The bell: It has a savings account that accrues money. Eventually (if you continue to not die), it will hit the policy’s coverage amount. At that point, the insurer will say something like:

“Hey, so you have the same amount of cash in your savings as what we would pay out, so, you don’t need us anymore. Here’s your money. Good luck not dying and stuff.”

  • The whistle: Whatever cash you accrue, you can borrow, but to no surprise, you’ll eventually have to pay it back to continue coverage.

Universal Life Insurance: It’s a lot like the whole plan but with a shinier bell and two whistles.
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  • Shinier bell: Instead of a standard savings account, this also accrues interest.
  • Whistle 1: You can kick in more money than your payment to take advantage of the interest.
  • Whistle 2: Not only can you borrow from this account, but you can also skip payments without a penalty (as long as the account has money in it).​

What's so great about an Independent Life Insurance Agent?

​It’s simple. Literally. Independent insurance agents simplify the process by shopping and comparing insurance quotes for you. Not only that, they’ll cut the jargon and clarify the fine print so you know exactly what your getting.

Plus, independent agents work for YOU and not one insurance provider. Actually, they’re the only agents who can check policies from multiple carriers to find the best policy for your unique needs.

​Most importantly, they’ll be there to help your family when claim time comes. The outcome of insurance claims can be strongly impacted by how the process is approached and handled.

The 411 on Life Insurance Quotes Online

​We know what you’re really looking for — fast and easy insurance quotes in 30 seconds or less. We get it, you want the goods ASAP, but choosing speed over accuracy can cause endless rain on your life’s parade.

Robots and algorithms may be quick, but online companies might leave out cost-cutting options or leave in factors that assume higher risk, resulting in a pricier policy.

Contact us to learn more about the right life insurance for you.
(617) - EXPRESS
(617) - 397-7377
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G700
Woburn, MA 01801​​
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