Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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UPDATED: Oct 30, 2020

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We offer Massachusetts residents life insurance from several of the best MA life insurance companies. Life insurance is very similar from state-to-state, with a few exceptions, so expect your Massachusetts life insurance rates to vary.

However, this guide should help you understand the differences in Massachusetts life insurance as well as find resources in your state. We’ll also show you how to get the best life insurance in Massachusetts.

Before we dive into this guide, find affordable Massachusetts life insurance rates by clicking on our FREE quote tool above. Get started now.

Table of Contents

Massachusetts Life Insurance Quotes

We offer Massachusetts residents life insurance from several A-rated life insurance companies. Life insurance is very similar from state to state, with a few exceptions. This guide should help you understand the differences as well as find resources in your state.

Policy Cost – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies then approved by the State Insurance Department.

Company Availability – Not all companies are available in every state. For example, if a life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.

Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a child insurance rider on their policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on the life insurance companies in the list below.

Massachusetts life insurance also offers residents a 10-day free look period, 30-day grace period, guarantee of death benefit claims up to $300,000, and timely payment of death claims. 

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Life Insurance Rates in Massachusetts

To give you an idea of what Massachusetts life insurance rates look like, you can check out the chart below to see what the top companies charge based on age, marital status, and gender for both smokers and non-smokers. 

Keep in mind that your Massachusetts life insurance quotes may be different, especially depending on which type of Massachusetts life insurance policy you choose.

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In this next chart, you can also see how many Massachusetts life insurance companies there are in comparison to other northeastern states.

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As you can see in the above chart, Massachusetts is home to 16 life insurance companies that operate specifically in the state. Get access to the best Massachusetts life insurance with our free comparison tool on this page to save money.

Massachusetts Guaranty Association

State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of all insurance companies licensed to sell life insurance, health insurance and annuities in the state. If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to defined limits.

In Massachusetts, a life insurance policy is protected up to $300,000. This amount is the maximum benefit provided for any one life. In other words, multiple policies on any one person are limited to this amount.

Massachusetts Life Insurance Contacts

Here is a list of all the necessary state contacts for residents with Massachusetts life insurance claims and other related matters.

Guaranty Association

If you need information about a Massachusetts life insurance or health insurance guaranty, contact the Massachusetts Life & Health Insurance Guaranty Association at 1-413-744-8483 or visit the website.

Insurance Department

For the latest updates from the Massachusetts Department of Insurance, contact the Massachusetts Division of Insurance by phone at 1-800-272-4232 or visit the website. Here, you can access information about Massachusetts insurance regulations and Massachusetts life insurance laws.

You can also obtain up-to-date information about Massachusetts licensed insurance producers, lookup any Massachusetts life insurance license, or check the status of a Massachusetts insurance license renewal. Additionally, you’ll find resources, such as a link to the MassHealth life insurance website and tools to learn about Massachusetts term life insurance.

Legal Info

The licensed company principal is Tim Bain, Agent License Number 1762164.

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Massachusetts Life Insurance Companies

American General Life Insurance Company

Banner Life Insurance Company

Fidelity Life Association

Haven Life / MassMutual

John Hancock Life Insurance Company

Lincoln National Life Insurance Company

Metlife Life Insurance Company

North American Company for Life & Health Insurance

Pacific Life & Annuity Company

Principal Life Insurance Company

Protective Life Insurance Company

Pruco Life Insurance Company (Prudential)

Sagicor Life Insurance Company

The Savings Bank Life Insurance Company of Massachusetts (SBLI)

Transamerica Life Insurance Company

United of Omaha Life Insurance Company

Don’t wait — Use our free quote tool to get affordable life insurance rates in Massachusetts. Get started now.