Life Insurance

When buying Life insurance, you can be overwhelmed by an information avalanche. To protect your future from poor choices today. If tragedy were to strike iQuote Boston powered by Integrated Insurance Solutions can help you determine which life insurance coverage is The BEST choice, for the security of your loved ones future.

• Term Life Insurance – low cost term with the ability to lock in premiums for up to 40 years.
• Permanent Life / Whole Life Insurance
• Permanent Life / Universal Life Insurance
• Joint Life Insurance

Why do I need a Life Insurance Policy?

One of the main reasons for life insurance is to replace the income of the insurer. Many people consider it morbid to even consider buying life insurance, BUT the reality is everyone does die and expenses are left behind at death. While some are able to self-insure for that circumstance, even the wealthiest can create problems when money becomes tied up and relatives are left with burial and other debts that require payment. Not providing life insurance to cover one’s expenses and obligations can leave one’s family or business associates in a financial shortfall.

How much life insurance should I buy?

When you plan to buy a life insurance policy ​for personal protection, there are many factors you should take into consideration, deciding on the amount of coverage including funeral expenses, education loans, any pending mortgages or debts, and the financial support your family would need in your absence. Five to ten times your annual income is the normally recommended amount suggested. ​For business purposes life insurance can be used to fund a buy sell agreement or help offset the death of a key employee.

Our dedicated team of life insurance professionals understand the complexities involved in designing the proper life insurance plan for you or your business and can find the right plan – or mixture of plans – for your specific needs.