Top Five Life Insurance Companies
If you live in the Massachusetts, US area and are looking into purchasing life insurance you may feel a little confused as to where to go. The fact is that there are all kinds of companies that offer it from dedicated life insurance provides, to the bank, and other sources. In this article we’ll take a look at the top five life insurance companies offering well-rounded and comprehensive packages to fit a wide variety of needs that people have.
It’s important to note that life insurance is something that people of all ages should consider this isn’t simply something you do as you age. Children, adults, and seniors can all purchase life insurance as a way to ensure that those left behind aren’t left with extensive financial worries. Keep in mind the younger a person is when they purchase life insurance, the cheaper is usually is.
In the state of Massachusetts, Murphy Insurance is the largest family-owned independent insurance agencies. It's the type of company where you know you'll get that personal touch yet at the same time you are given high levels of experience and knowledge through its representatives. The company was started in 1937 and offers seven different locations. Through Murphy Insurance customers have access to a large number of insurance carriers, which means they can customize their life insurance plan and pick one that works for their needs. This of course isn’t the case with all insurance providers.
In terms of life insurance specifically there are plans for your business and personal needs. As the company states, "making the right choices requires reliable advice and a plan," which are both offered through Murphy Insurance.
Kaplansky Insurance offers a wide selection of life insurance options, as well as other insurance products. The company has 11 offices throughout the state and serves more than 23,000 customers. It's well known in the northeast for its full service offerings and high level of customer service. Where this company stands out is in its communication with clients/customers. Each customer is encouraged to ask questions and learn about the different products before making any kind of decision so that they pick the right product for their needs.
The company works by saving customers time and hassle as they do all the legwork for customers. They will get quotes from 35 different companies and then find the best rate for the plan you want. In terms of the life insurance policies, the agency will go over all the various offerings to help customers figure out the best fit.
If you're looking for a company that offers life and insurance, plus a number of other insurance options, Viveiros Insurance is a popular option in the state of Massachusetts. This company is an independent insurance agency that takes great care in providing very high levels of customer service. In fact its business plan is "strength, stability, and service" which is evident in all aspects of the company. The company offers both separate insurance options and bundle plans, so you can really customize what you want.
Founded in 1977, Viveiros Insurance also has the advantage of experience and knowledge behind it, which is passes on to its customers. As far as the life insurance options go, it has plans for all ages no matter what their current health may be. It is suggested you meet with one of the Viveiros professionals to go over all the possible options and pricing structures to help come to a reasonable decision.
For those living in Western Massachusetts and Pioneer Valley Ross Insurance Agency is one of the most well-known agencies for helping with life insurance. Now here's an impressive fact, the agency has been around for over 90 years so customers can count on getting not just basic knowledge but in-depth information on the various products. It is locally owned and is third generation now. Through this agency you'll have access to a number of top insurance carriers so you can get really specific about your needs.
When it comes to the options available, you can pick from whole life, term life, and universal life insurance. As well it doesn't matter what age you are when looking at the life insurance plans. To help the agency stand apart, the representative will go over what each plan covers, includes, and doesn’t include, so that the customer feels sure of their decision. They may not be aware of just how much the plans differ.
Vargas & Vargas Insurance Agency Inc.
Vargas & Vargas Insurance Agency Inc. is another popular choice for those living in Massachusetts in search of a life insurance plan. This is yet another independent insurance agency and has been around for a number of years. The company offers free insurance quotes through its website, and customers are encouraged to call and make an appointment for more in-depth information. One of the things that Vargas & Vargas tries to do for clients is find them the best priced plan that still meets their needs. For those on a strict budget this is incredibly important.
While the agency offers all kinds of business and personal plans, life insurance is one of the most popular. Customers will have access to survivorship insurance, universal life insurance, whole life insurance, and term life insurance.
Consider All Factors
While potential customers can certainly go online and get free insurance quotes from most agencies, and then go ahead and purchase a policy online, it’s always recommend you go in and speak to someone in person. Unless you are in the industry, it’s hard to know all the in’s and out’s and what kind of coverage you actually need. That and the fact you don’t want to over-spend on a policy if your agent could find you a much better rate.
All of the above mentioned companies provide years’ worth of knowledge and expertise that can help people head in the best direction.
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