Massachusetts and New England Life Insurance
At Downey Insurance Agency we go far beyond being standard insurance agents—we aim to be the insurance specialists you trust to protect your most significant asset—your life. At Downey Insurance Agency we are committed to excellence. From providing you with reliable auto insurance, home and business coverage, we now strive to go above and beyond by protecting your life with dependable life insurance. We know that trying to secure the right life insurance plan can get a bit stressful—and it certainly takes time. From the necessary research to weighing the pros and cons of term life insurance versus whole life, variable and beyond—it’s easy to get overwhelmed. Which is why we’re here for you. At Downey Insurance Agency, our agents are well versed in all aspects of life insurance. Our clients will benefit from a team that wants to be more than just your insurance source—we want to be the trusted coverage specialist you rely on to handle all of your life insurance needs. In addition to helping you navigate your way through one of the most critical policy decisions you will ever have to make in your lifetime; we pledge to secure you a custom life insurance plan you can depend on—and one that is tailored to your personal needs. Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance… the list and combinations seem endless. At Downey Insurance Agency we want to help you determine which insurance policy type is right for you. Our dedicated team of life insurance professionals understands the appropriate market and regulations and can find an appropriate policy – or mixture of options – that fit your unique needs. *Variable life insurance offered through our partnership with Integrated Financial Partners, Inc. 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.
- 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.
- Build lifelong base of whole live coverage.
- Supplement specific times of your life with term insurance.
We are proud to partner with MAPFRE Insurance, the #1 home and auto insurer in Massachusetts, named the ValChoice® #1 Best Value for Auto Insurance in Massachusetts!