Affordable Lowell Massachusetts Life Insurance for all of the Merrimack Valley area including Billerica, Westwood, Norwood and Sudbury MA

Massachusetts, Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance… the list and combinations seem endless. Do you know which MA life insurance policy type is right for you? At Merrimack Valley Insurance Agency we can help. Our dedicated team of life insurance professionals understand Massachusetts’s market and regulations and can find the right plan – or mixture of plans – for your specific needs.

MA 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.

MA 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 might make sense to have a term life policy to cover the mortgage and living needs 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. Many times whole life policies will pay dividends – although not always.

With so many options many people find themselves overwhelmed when they receive life insurance quotes. Let one of our life insurance professionals put together the right life insurance quote for you. Contact Merrimack Valley Insurance Agency today for more information and get a free MA life insurance quote!

We provide coverage in Massachusetts, Connecticut, New Hampshire, and Maine.


Merrimack Valley Insurance Agency, a Massachusetts insurance agency has been proudly providing LowellMassachusetts Life Insurance quotes and policies to our clients throughout the greater Billerica, Westwood, Norwood, and Sudbury MA area since 1978.

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Welcome to the home of Merrimack Valley Insurance Agency – proudly providing the most trusted Massachusetts insurance solutions!

Located in Billerica, Massachusetts, Merrimack Valley Insurance Agency is your leading local insurance agency. Voted “Best Insurance Agency of Chelmsford/ Billerica” for the 18th time, we have been dedicated to serving the diverse Massachusetts insurance needs of area individuals, families and businesses since 1978.

Over the past 30 years, Merrimack Valley Insurance Agency has continued to evolve into a trusted coverage leader—with impeccable service and commitment to its clients—characteristics not often found in other MA insurance agencies.

We represent various local nationwide insurance carriers, allowing our dedicated agents to accurately compare rates and coverages; ensuring you receive the quality protection you deserve. Our extensive network of providers ensures that we can tailor the perfect Mass insurance solution for you—no matter where you are located across the state. We welcome you to join our family and learn about our broad book of options for MA insurance.

Perhaps you’re in need of reliable car insurance in Massachusetts or a Massachusetts Homeowners Insurance policy—well rest assured because we’ve made your coverage needs our number one priority! We offer all of the knowledge and skilled expertise you would expect from a well-established, family-run insurance agency.

Better yet, at Merrimack Valley Insurance Agency we certainly don’t stop there either! Be sure to ask one of our insurance specialists about our specialty coverage options available for commercial insurance in Massachusetts, how you create custom group health insurance in Massachusetts, and much more!

Besides our array of unique Massachusetts insurance products—what really makes Merrimack Valley Insurance Agency stand apart? Well for one, we take the time to fully evaluate your insurance needs so that your biggest assets are protected at the most competitive rates—and we pledge that our inclusive solutions are capable of giving you the peace of mind you’ve been looking for. At Merrimack Valley Insurance Agency, We consider everyone and every policy to be unique—which is precisely why you need, Merrimack Valley Insurance Agency to create a tailored, custom policy specifically for you!

Contact Merrimack Valley Insurance Agency, to speak with an agent right now to discover your coverage options and receive your free Massachusetts insurance quotes today!


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