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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 > Whole Life Insurance Home

Whole Life Insurance


Whole Life Insurance Information

What is whole life insurance?

Whole life insurance provides financial protection over your entire lifetime. This is different from a term life insurance policy, which provides protection for a specified period of time. Also, known as ordinary life or straight life, whole life insurance is in the cash value category of life insurance. Universal life, variable life, and endowment policies are also in this category.

The premiums of whole life insurance are fixed at the age you buy your policy and do not change as you get older. As long as you pay the monthly premium, your beneficiaries receive a payout upon your death.

What are the benefits of whole life insurance?

Whole life insurance doubles as both comprehensive coverage and an investment tool. Many of these policies invest part of your premium to allow your policy to accrue cash value. You can save these additional funds as part of the death benefit payout. Or, you can withdraw funds to support big life events, such as buying a new home or sending a child to college.

Because whole life is more comprehensive, premiums often cost more than term life insurance. But, you get a lot more bang for your buck. Plus, your premium remains the same throughout your life. With term life insurance, your rate is recalculated each time you renew coverage.

Get started today!

Want to know more about whole life insurance and how much it might cost you? Call us today for a free, no obligation quote. We’ll find a policy to fit your needs. All it takes is a few minutes to provide your family with years of financial protection.

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Contact Us

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