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Ostrander Life Insurance

Our agency prefers to write only Term Life Insurance, not permanent or whole life insurance. Our preferred life insurance carrier is Savings Bank Life Insurance, SBLI, a top provider of term life insurance here in Massachusetts for a number of years.

Term insurance has no cash value. It:

• is a simple contract
• offers an agreed upon death benefit
• lasts a an agreed-upon number of years
• has a fixed annual premium during each and every year.

For example, you might choose a 10- or 20- or 25- or 30-year policy with coverage ranging from $100,000.00 to $1M. No dividends, no cash value, and no lump-sum values accumulate. The parents we insure tend to choose a policy that lasts the same number of years as their mortgage. Others choose a policy term that will last as long as their children are living at home, continues through their childrens' college years.

An individual life insurance policy insures one person (not both you and your spouse, as is frequently the case on auto and home insurance). It only takes about 10 minutes to get you a quote—stop by, or give us a call.

Unlike auto and home insurance, no organization mandates life insurance coverage. Consequently, many parents aren't carrying the life insurance coverage they know their family would desperately need if one or both parents passed away. If you choose to buy life insurance from us (or anyone else) just remember—you're not buying it for you, you're buying it for those who need you.

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