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Life Insurance

Everyone can benefit from life insurance

Lasting protection with a sound financial plan

Life insurance is a subject that many people are uncomfortable discussing. However, it is a vitally important coverage that will insure your loved ones have the financial security they may need in the event of your death.  The goal of a life insurance policy is to protect the people you love and who depend on you.


Consider the benefits of a life insurance policy:


  •  Pay the mortgage or any other debt you may have
  •  Maintain your family’s standard of living
  •  Children’s education
  •  Pay for funeral expenses
  •  Lower your financial risk
  •  Tax advantages
  •  Business protection-Fund a Buy/Sell Agreement

Younger Generation

special Need Plans

Business Needs

While you are young and healthy, you will pay lower premiums and be able to lock in at a lower rate.

Caring for a loved one that has unique needs. Life insurance benefits can be used to take care of them while you are gone.


If you own a business, life insurance is an important tool for perpetuation planning.

Our recommendation is to speak with one of our licensed life insurance professionals who will complete a risk analysis for you. Upon completion they will provide you with a variety of options and will customize a life insurance policy to suit your needs.

Finding the right Life Insurance for you

Term Life vs. Whole Life


Term Life:

Provides coverage for for a specified amount of time.

Lower premium but no cash value.

Allows you to buy large amounts of insurance at a low premium.


Permanent Life:

Provides coverage up until death.


The policy accumulates cash value which you can withdraw.


Can be used as an estate planning tool.

  • Life insurance Quote Request Form

    We are here to help. Our office hours are Monday through Thursday 8:30 am -5:00 pm and Friday 8:30 am to 4:00 pm.

    **Please be advised that we cannot bind or alter coverage via fax, voicemail, text or email**


    (Do not enter personal sensitive information)

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How can MTM help?

MTM’s trained insurance professionals can assist you in determining the policy that best fits your needs.  We can help you with:


  • Understanding your policy
  • Saving you money
  • Filing a claim
  • Local service with Massachusetts locations in North Andover, Billerica and Haverhill. In addition, we are licensed in many, states including but not limited to NH, ME, VT, CT, NJ and RI.
MTM Insurance Associates, LLC home page
MTM Insurance Associates, LLC home page

MTM Insurance Associates, LLC home page