Life Insurance

MASSACHUSETTS LIFE INSURANCE

"Get the Best Protection for What Matters Most...Your Life!"

We help you choose the right life insurance plan...

We know that finding the right MA life insurance program can get confusing- and even a bit overwhelming at times. From having to weigh the pros and cons of term life insurance versus whole life insurance, universal and variable and beyond- it’s easy to get confused by the terminology and coverage differences.
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We can help you navigate your way through one of the most crucial policy decisions you will ever have to make in your lifetime, and we vow to secure you a tailored MA life insurance plan you can rely on. At Oxford Insurance Agency, Inc. we want to help you determine which MA life insurance policy type is right for you! Our dedicated team of life insurance experts understands Massachusetts’s market and regulations and can find the right plan that fits your individual needs.

At Oxford Insurance Agency, Inc. we can help you determine which Massachusetts life insurance policy is right for you! Our dedicated team of life insurance experts understands Massachusetts’s market and regulations and can find the right plan that fit your individual needs.

Term Life Insurance Basics:

  • Coverage for a “term” or period of your life.
  • Lower premiums for higher coverage.
  • Rates can change after specific terms expire.
  • No equity – cannot be used as cash value.

Whole Life Insurance Basics:

  • Exactly like it says – permanent, not for a specific period.
  • Protection carries with you your whole life.
  • Can build equity and have cash value.
  • Higher premiums than term life, but can be more valuable in the long run.

Term and Whole Life Combined:

  • Build lifelong base of whole live coverage.
  • Supplement specific times of your life with term insurance.

When to choose term life?

Most people choosing term life have a strategy for long term net worth. They need specific coverage for a period of their lives to protect debt, loved ones, and children. For a homeowner with children it may make more sense to have a term life policy that covers the mortgage and living requirements until their children are old enough to provide for themselves – in this case the term would expire around the time your children move out.

When to choose whole life?

Whole life can be used in the retirement years as cash assets. It can provide equity for loans and have fixed payments that do not increase with time. Often times whole life policies will pay dividends – although not always.

Give us a call and let one of our expert life insurance specialists get you started on the right path. Contact Oxford Insurance Agency, Inc. today for more information about life insurance in MA .

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"I wanted to compliment your company on the way I was guided through the process of buying life insurance. My agent at Oxford Insurance Agency, Inc. made it an extremely simple and pleasant experience and took the time to make sure I understand the details of my new policy. It is evident that you take great pride in your business and in satisfying customers."

Frank B - Sutton MA
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