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Mortgage Protection
​Life Insurance
Long Term Care

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    Mortgage Protection
    Life Insurance (Whole or Term)
    Long Term Care Insurance

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​Benefits of Converting Term Life to Permanent Life

  • Permanent life insurance, such as whole life, offers premiums that remain the same and provides your loved ones with protection throughout your lifetime provided premiums are paid as required.
  • A permanent life insurance policy builds cash value, which can be withdrawn or borrowed during your lifetime. Unpaid loans and withdrawals will reduce the guaranteed death benefit and policy cash value. Loans also accrue interest. 
  • If you convert qualifying term life insurance to a permanent life or universal life insurance policy, the new policy's first year premium will be reduced. The amount of reduction is based on the premiums you have paid on your existing term coverage during the 12 months prior to converting. This offer is only available during the first five years of your term life insurance coverage.
  • You have the option of converting your term life insurance to permanent life insurance, regardless of your health or occupation, at any time prior to age 75 (subject to established minimums).

 Small Cost. Big Protection. That's Term Life Ins.

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How it works.

  • Help provide for a family's loss of income
  • Cover short-term debts and needs
  • Provide additional insurance protection during the child-raising years
  • Provide longer term protection to help your family pay off a mortgage or to help pay for a college education

Select Term Life Insurance

​Select 10, 20, or 30 years of coverage and a guaranteed benefit. Coverage starts at $100,000, and the affordable premiums are level for the initial policy term. Once past the level premium period, premiums will increase annually. The policy is guaranteed to renew up to age 95 and is convertible to a permanent policy regardless of health, subject to age limits.
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30 Years
Starting at $20.23/mo*
$232.50 annually
$250,000 of coverage

​Return of Premium Term Life Insurance

​Return of Premium Term Life insurance offers you coverage with a level premium payment for 20 or 30 years, whichever you choose. If you outlive that premium period, all policy premiums you've paid will be returned to you. Coverage starts at $100,000. The policy is guaranteed to renew up to age 95 and is convertible to a permanent policy regardless of health, subject to age limits. Once past the level premium period, premiums will increase annually.
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30 Years
Starting at $40.25/mo*
$462.50 annually
$250,000 of coverage

​Mortgage Term Life Insurance

​Mortgage Life 15 or 30 is designed to provide funds for the repayment of a residential mortgage in the event of premature death. Coverage is available for 15- or 30-year periods. After the first five years, the death benefit, which is meant to behave similar to your mortgage, decreases over the life of the policy. It is sometimes called a "decreasing term" policy. You choose the amount of coverage ($50,000 minimum) based on your mortgage balance. The policy is convertible to a permanent policy regardless of health, subject to age limits.
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30 Years
Starting at $22.45/mo*
$258.00 annually
$100,000 of coverage

We recommend long term care insurance for most people.

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Published: Monday, 2 Dec 2013 | 10:09 AM ET
By: Andrew Osterland, Special to CNBC.com

All three financial advisors interviewed say the wild card—and potential budget killer—is health care. According to Ward, a couple over age 65 can expect to spend $600 per month each between contributions to Medicare, any Medicare supplemental plan and out-of-pocket medical costs.

"It's the biggest expense for retirees," he said.

If a health crisis necessitates long-term care, the expenses can be crippling. Long-term care insurance costs approximately $200 per month per person; people should determine whether they want coverage now or will pay for potential costs out of their own pockets should the time come. Wealthy, poor and single people may choose the latter option, but insurance is probably a good idea for the bulk of middle-class married couples.

"We generally recommend long-term care insurance for most people," Edelman said. "It's usually health care that causes a crisis for people in retirement."

—By Andrew Osterland, Special to CNBC.com

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  • HOME
    • Send me a Home Insurance Quote >
      • Thank You! Home Insurance Rates Are On Their Way!
    • FLOOD Insurance, Massachusetts >
      • Pay Your Bill Online
      • Videos - Cape Cod Home Insurance
    • Cape Cod Home Insurance
    • Pay Your Home Insurance Bill Online
    • Ordinance or Law Coverage
    • How to Prevent a Claim on your Home Insurance Policy
    • Videos - Cape Cod Real Estate Tips >
      • Videos - How to Qualify a Tenant for your Cape Cod Home >
        • Videos - Cape Cod Real Estate Investing
    • Cape Cod Massachusetts Arbella Insurance Discounts
    • Cape Cod Massachusetts Lloyds of London Home Insurance
    • Safety Insurance Discounts for Cape Cod, Massachusetts
    • MPIUA - MA Property Insurance Underwriting Association "Fair Plan"
    • Cape Cod Massachusetts Home Protection Insurance
    • Hurricane Preparedness >
      • Cape Cod Massachusetts Hurricane Survival >
        • Cape Cod Massachusetts Hurricane Preparedness
  • AUTO
    • Send me an Auto Insurance Quote for Cape Cod, Massachusetts
    • BOAT Insurance >
      • Send me a Boat Quote
    • Cape Cod, MA Dept. of Motor Vehicles
    • Cape Cod Massachusetts - Report an Auto Insurance Claim
    • Auto Insurance Quote - CAR BUYING TIPS : Auto Insurance for Cape Cod, MA
    • InControl Driver Training
    • Car Insurance for Cape Cod Massachusetts - Arbella Insurance - Send me an Auto Quote >
      • Cape Cod Massachusetts Arbella Car Insurance Discounts
    • Plymouth Rock - Send me an Auto Quote >
      • Plymouth Rock Asurance Discounts
    • Encompass Insurance Discounts
    • Safety Insurance - Send me an Auto Quote >
      • Safety Insurance Discounts
    • Travelers Insurance Discounts
    • Progressive Insurance - Send me an Auto Quote
  • LIFE
    • Send me a Life Quote
    • Long Term Care >
      • Videos - Living Trust >
        • Videos - Life Insurance
  • OFFICES
    • Pay Your Bill Online
  • ABOUT US
    • Reviews & Testimonials
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    • Pay Your Bill Online
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    • Send me a Home Quote
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    • Send me a Life Quote
  • Home Insurance Explained
  • Agent Login
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