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Covid-19 Update

As the nation knows, many recommended precautions have been issued by Federal and State governments regarding best practices during this Covid 19 Viral outbreak.

Our lobby is open, but clients must wear a mask in order to comply with the state mandate. We are making appointments before and after hours for those individuals who do not feel comfortable coming during business hours or may be eldery or immune compromised. They are 1 agent, 1 customer only times.

We will still be in the office to help you in anyway possible, but please CALL IN for any needs you may have. We are doing all we can at this agency to be responsible and Safe during this critical time. Thank each of you for your kind understanding in helping us to better serve you.

Auto Insurance

There are many potential hazards on the road, let us help you get the coverage best suited for you and your vehicles.


Cover your dwelling, personal property, liability and more. 


Each business comes with its own specific set of exposures, we will build a coverage package to fit your particular requirements.


Find financial products and services for your personal and business needs.


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Home > Universal Life Insurance Home

Universal Life Insurance


Universal Life Insurance Information

What is universal life insurance?

Universal life insurance is a form of whole life insurance that gives you more control when it comes to how your money is being handled. It combines the low-cost coverage of term life insurance with the savings element of whole life insurance. Universal life insurance provides more flexibility than other policies. You can review and adjust premiums, savings element and the death benefit as circumstances change.

What are the benefits of universal life insurance?

With a universal life insurance policy, you can shift money between the insurance and savings components as the market and interest rates change. This control is great for people who prefer a hands-on approach to investing. For example, if your savings component has low returns, you can use it to pay the premiums instead of paying out of pocket.

Get started today!

Want to learn more about universal life insurance? Contact us to learn more about it. We’re happy to answer your questions and help you find a policy that meets your needs.

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Contact Us

2001 Calkins Road | PO Box 8
Three Rivers, MA 01080
Ph: 413.283.2561 | Fx: 413.283.2943