Question 1

How much life insurance do I need?

Accepted Answer

A common rule of thumb is 10 to 15 times your annual income. However, the right amount depends on your mortgage balance, number of dependents, outstanding debts, and future expenses like college tuition.

Question 2

What is the difference between term and whole life insurance?

Accepted Answer

Term life insurance provides coverage for a set period (like 20 or 30 years) at the lowest cost. Whole life insurance covers you for your entire life and builds cash value you can borrow against. Term is best for temporary needs like mortgage protection, while whole life is better for permanent estate planning needs.

Question 3

How do I get a life insurance quote in Massachusetts, Maine, or New Hampshire?

Accepted Answer

Simply fill out the quick quote form on our website. As an independent advisor, we compare rates from multiple top-rated carriers and present you with the best options at no cost or obligation.