When it comes to insurance, how do you know what you need? You need more than a great price—you need advice.
Multiple Massachusetts life insurance quotes in minutes and expert guidance toward the right policy for you.
Had some significant life changes recently? Have you gotten married, had a baby, bought a new home or had a career change? In general, Massachusetts life insurance is less expensive the younger you are, so now’s the perfect time to purchase life insurance.
Life insurance isn’t something that people enjoy thinking about. But, if the unthinkable does happen, could your family maintain their lifestyle on only one income?
While many employers offer life insurance as part of an employee benefits package, often these policies don’t provide enough coverage. With average funeral expenses costing in excess of nine thousand dollars*, it’s easy to see how inadequate life insurance, could leave a family in jeopardy.
Purchasing the right amount and type of life insurance can provide peace of mind that your loved ones will be provided for in your absence.
The life insurance experts at McSweeney & Ricci will help you select the type of life insurance best suited to your unique needs and budget.
*as reported by Lincoln Heritage Life Insurance Company
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Want to talk to an expert to help decide which policy is right for you? Call (508) 521-4413 or email.Request a Life Insurance Quote
Massachusetts life insurance basics
Selecting any type of insurance can be complicated and confusing. McSweeney & Ricci will the guesswork out of the insurance process. We’ll guide you toward the proper levels of protection and will make sure you understand the coverage you select. We’ve outlined some basic life insurance information below to get you started.
There are two major types of life insurance, term life and whole life insurance.
Term Life: A term life policy protects policyholders for a certain number of years. Term life pays only if death occurs during the term of the policy, which is usually between one and thirty years. For example, if you are 40, you can select a policy that provides coverage until you reach retirement age, when you will have access to your retirement savings.
Whole Life/Permanent Life: A whole life policy covers you for your entire lifetime, paying a death benefit whenever the policyholder dies, as long as the premiums have been paid. There are three major types of whole life: traditional life, universal life, and variable universal life.
Exam versus no medical exam life insurance: Life insurance requiring a medical exam, is considered fully underwritten. In that case, an examiner will visit your home, record your height and weight, and will take a small urine and blood sample. Your results will be processed and the life insurance carrier will offer you a policy based upon your lab results (Standard, Standard Plus, Preferred or Preferred Plus). Individuals with pre-existing conditions such as diabetes or high blood pressure or people who are too busy to schedule an examiner visit, may want to purchase life insurance with no medical exam.
Choosing life insurance is one of the most important decisions you will ever make. Your McSweeney & Ricci Account Manager will make recommendations for life insurance based upon your needs and individual circumstances.