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Anthony

Life Insurance from Massachusetts Agents

What is it?

Life insurance provides payments when the worst happens. Death benefits help loved ones and others carry financially carry on.

Who needs it?

Anyone whose passing would be a financial burden for others should consider life coverage. This may include parents, spouses, caregivers and even business partners.

Possible Coverages

  • Term Life Coverage
  • Whole Life Coverage
  • Annuities

Very easy to work with. Very knowledgeable about various kinds of insurance.

Dana C., customer since 2025

Sheri was absolutely wonderful in explaining everything to me, and got better policies at significantly less cost than what I was paying before.

Melissa D., customer since 2025

John was very respectful and attentive. He explained all the nuances about insurance for a mixed residential commercial building and the complications of that type of insurance.

A client in Somerville, customer since 2025

John was a pleasure to work with. His knowledge and expertise in his field has really assured me and my family that we have made the right decision to work with John. He took the time to explain everything to us and even followed up when we needed a reminder to get the ball rolling! It is a great feeling that we have a trusted agent that is also one of our neighbors ! Thank you again! Will recommend to friends and family.

Jeff & Ashley M., customer since 2025

So far no problem very nice team

Gale & Gerard C., customer since 2025

They took care of me very quickly and got everything handled.

Franklin L., customer since 2025

They are so helpful and quick to respond!

Gabrielle C., customer since 2025

Why go anywhere else. The best service and prices around.

Andre Y., customer since 2025

Jamie and Brian went above and beyond, earning and satisfying all of my needs for insurance. Thank you!

Denise R., customer since 2025

So far, extremely helpful! Great people, also!👍

David & Jayne S., customer since 2024

Thank you so much for you prompt responses and help. You guys are amazing.

A client in Ossipee, customer since 2024

John was great to work with. His presentation style is perfect for new clients. He clearly explained pros/cons of our policies and saved us significant money on all 3, without compromising coverage.

Kristine & Scott H., customer since 2024

Excellent customer service!

Michelle & Aaron I., customer since 2024

John was very helpful answering my questions and supplying me with the policy that I needed.

Christopher & Tracy G., customer since 2024

I was referred to Brian by a good friend and by the moment i called him, he was awesome in everything i could ever ask for, answered all question good communication ,all i can say is AWESOME

Noah N., customer since 2024

I have been very happy with the office people and what Norwood has done to date. I would have given you a 10 but it's just to early in the relationship to go that far. Thank you all especially Sheri. Bob

Robert & Jillian K., customer since 2024

Great service and support from John. He helped me to determine the right plan and made it simple and easy.

Carol P., customer since 2024

great price and fast service

Corey & Kelly L., customer since 2024

John and his team were fantastic to work with on a complex set of policies covering diverse assets. Timely, professional, friendly, and thorough. I highly recommend them for your insurance needs.

Michael & Irina G., customer since 2024

John made a video , very hard to find people who take the time to explain stuff... I wish I could do that for my business! I am going to tell my owner about this ! Nice touch.

Clayton & Cynthia F., customer since 2024

We needed home insurance on very short notice and John Bachmann and his team sprung into action and within a day found us a great whole house coverage at a great price! We could not be happier with Norwood Insurance Agency's responsiveness and professionalism and would recommend them to anyone looking for top quality insurance broker.

Margaret & Arthur K., customer since 2024

I’m always impressed by efficiency of effort

David & Kathleen R., customer since 2024

Combined with superb customer service and professional expertise, Norwood Insurance delivers a highly customized and uniquely positive client experience.

Carrie & Scott R., customer since 2024

Knowledgeable,Friendly,Prompt!!

Rosalie E., customer since 2024

Not often enough you can deal with someone that treats you with respect. Dealing with Jamie was informative and enjoyable. I have already recommended two folks to give Jamie a call. Was a pleasure dealing with her.

Elaine C., customer since 2024

John is very helpful and passionate about curating a positive customer experience!

A client in Cambridge, customer since 2024

So far so good as far as handling all of the machinations of the cancelations and details of the switch. Good communication throughout.

David & Karen M., customer since 2024

Brian and Roxanne went above and beyond to help me find the best insurance rate possible. I can’t thank them enough. They even registered my two vehicles using their running service.

Edwin S., customer since 2024

Great attention to detail and professionalism and prompt service and help from John, keep up the great work!

Joel E., customer since 2024

John is really thorough and responsive. Really enjoy working with him and his team.

Ben B., customer since 2024

While the home buying process has been difficult, dealing with Norwood was the easiest by far! Everyone was incredibly kind, helpful, and responsive to all of our questions. After going through miles of red tape with other organizations while buying a house, I was expecting insurance to be just as much of a hassle. I couldn't have been more wrong. With a few emails and a phone call that was shorter than the amount of time I was just on hold with other companies, I had a policy from Norwood in hand! The process for getting insurance from Norwood was already quite easy, but having help from a remarkable team made it even better!

A client in Derry, customer since 2024

They are easy to work with. Great staff and professional. Keep you informed on options you have for all your insurance needs.

Kevin & Terri D., customer since 2024

John was very responsive and thorough in explaining the policies and benefits. The service was exceptional and a bonus that I was able to save a lot of money.

Chris & Tyrone P., customer since 2024

Really like the zoom call to get to know me better. No one else has ever done that. Very quick responses to my emails too.

Nicole S., customer since 2024

The agency is very communicative and helpful in the insurance process. I was grateful and confident that they'd do their best to get me the best coverage and rate for me!

Keighley C., customer since 2024

I can't say enough about Norwood Insurance Agency. Great communication from start to finish. Extremely informative and found the best policy for my family. I feel he went above and beyond and saved me a lot of money. Highly recommend Brian and his staff. You will not be disappointed.

Timothy & Ranee R., customer since 2024

Found myself in a tricky situation due to lack of experience in how insurance worked, Brian went above and beyond to help me. I felt very supported and much more comfortable than I otherwise would have.

Michaela Naoum-Heffernan & C., customer since 2024

John understood my reasons for switching to Norwood from my previous agency and fully understands all of my insurance needs. He is responsive and a pleasure to work with. The process has been easy and informative so far. I look forward to a continued partnership with Norwood Insurance for years to come.

Karin M., customer since 2024

Responsive, friendly, felt like they were interested in helping me get the right coverage.

Jane & Steven J., customer since 2024

I already have recommended you to 2 people in my Groveland Housing facility. They have called there names are Joe and Janet so I am pleased with your agency. Thanks Joe G.

Joseph G., customer since 2024

Hands on, communicative and extremely helpful!

A client in Amesbury, customer since 2024

Friendly, professional and tried hard to accommodate us.

A client in Merrimac, customer since 2024

Excellent communication and service.

William & Sarah W., customer since 2024

Great service

William B., customer since 2024

Handled very professionally

A client in ANDOVER, customer since 2024

John was very easy to work with and translated my needs perfectly into a policy that works for my family.

Myles & Alessandra R., customer since 2024

John is amazing. I have already referred him to my friend. He helped me with everything!

Julie L., customer since 2024

Brian and Sheri went above and beyond any other agency or insurance company to understand my needs and secure the optimal coverage for my portfolio.

Brian W., customer since 2023

Representative Brian is very personable and friendly. Very helpful and understood my needs.

Jo-Ellen H., customer since 2023

I have had a wonderful experience with Norwood Insurance Agency. John Bachmann is an excellent communicator, he went above and beyond any agent I have worked with before to throughly explain my options and help me choose a policy to cover my business. He even sent me a video to watch going through each part of my policy options, what they meant, and it really helped me to understand everything. I highly recommend working with John!

A client in Scituate, customer since 2023

Absolutely fantastic customer service—there was frequent communication and a serious interest in what we needed, and as a result we got the perfect policy.

A client in Haverhill, customer since 2023

Brian and Sherri are great! The amount of time and effort they put in to finding the best deal for my family (with a brand new driver) was fantastic! I highly recommend!

Krista & John W., customer since 2023

Great customer service is a priority for me which I have received from my first visit. Great follow up and information on my policies.

Linda B., customer since 2023

Brian did a wonderful job explaining how he could cover our cars and both of our homes with the same coverage we had and save our family money! He was very thorough and followed up with me several times to update me or let me know if anything changed. Great work, and thank you Brian!

Brian and Catherine K., customer since 2023

Quickly solved my insurance problems, saving me money with a better policy. Professional, well informed and friendly. So nice to deal with "real" people! Refreshing!

Darlene W., customer since 2023

Easy change of Broker with friendly Sheri.

John & Donna B., customer since 2023

John made the entire process easy thanks so much!!!

Kristina T., customer since 2023

Sheri Cashman was very nice. She explained my new policies and made a few suggestions that were beneficial. I know that I feel confident with my new insurance company.

Kathleen C., customer since 2023

Very pleasant and very informative on my needs. Also very quick to get information that I need. Thanks again

A client in Groveland, customer since 2023

Absolutely the best Insurance Agency you are going to find out there! I feel like I talked to most of them before finding Brian and Norwood Insurance. He takes the time to talk to you, and to get to know you, and then finds the best policy for your needs. I always feel like Norwood Insurance has my best interests at heart. Thank you Brian and Sheri!

Frederick and Lisa K., customer since 2023

John is amazing! I am a new business owner and I needed a second opinion on my insurance coverage. He helped me understand my insurance and made recommendations to help me save money on my policy! I immediately felt comfortable to talk about my concerns and of course he was happy to help! I ended up switching to the plan for which he provided a quote. I absolutely LOVE the communication and effort put into his presentation with a VIDEO!! So that I could have a walk through of the policy. Never have I ever felt more confident in letting someone such as John to help take care of the insurance that I need to protect my business! Thank you for being a rockstar!!

Elizabeth W., customer since 2023

Brian is all about taking care of his customers glad I signed up with Norwood

John S., customer since 2023

Excellent customer service, and attention to detail.

A client in Cambridge, customer since 2023

They were prompt, efficient and responsive. We had many questions and John and Jamie answered all of our many questions and we did have many. Customer service was spot on.

Sharon & Howard C., customer since 2023

Very helpful in finding the right coverage!

A client in Nashua, customer since 2023

John and his team are the best! Quick turnaround time, efficient systems and they were able to save us a lot of money!

Dawn & James S., customer since 2023

Changing over my car & auto insurance was very easy & seemless. Jaime was a pleasure to deal with & handled everything for me!

Lisa and David B., customer since 2023

The level of service was fantastic as we worked through some complex insurance situations. Communication and responsiveness of the Norwood team was top notch. Sheri and Brian were a pleasure to work with and helped educate the team here on our insurance options. I would highly recommend the Norwood Insurance Agency to any business or individual for all their insurance needs.

A client in Watertown, customer since 2023

Great customer service and personal attention makes us feel like we are family!

Isidoro D., customer since 2023

Jamie was exceptionally helpful and responsive in addressing a specific issue with my insurance situation.

Stephen H., customer since 2023

John and Sheri are fantastic. Very helpful and caring. I will never recommend anybody else. Liz Ryan

Elisabeth & Louis R., customer since 2023

John took the time to explain thoroughly the policy options with no pressure. He researched different homeowners policies for us in a timely manner and the result he found for us was very favorable. Looking forward to working with him and the Norwood Agency in the future.

Mark & Dina S., customer since 2023

Great question but so there's nothing I could wish was better. Brian was extremely responsive and reachable. He solved my problem by finding me a better insurance company very fast, and was easy to reach for questions. Then Jamie took care of the next steps, also very reachable. I'm grateful to my neighbor who recommended you.

Rebecca S., customer since 2023

As new homeowners, we were so impressed with Norwood Insurance Agency! John took the time to meet with us 1:1 and explain our policy from head to toe. We couldn't recommend them enough!

Jennie & Alex R., customer since 2023

Brian helped me with the process of getting a new car and made it simple and stress free. I could not recommended this service more.

Salvatore S., customer since 2023

Brian helped me find the perfect plan , helped move everything alone quickly so I could get my car on time. I would recommend this service to anyone looking for insurance

Salvatore S., customer since 2023

John is very thorough, knowledgeable and easy to work with! He and the team made the entire process quick and painless!

A client in Londonderry, customer since 2023

John was very thorough and took the time to explain all the nuisances. He was quick to respond with quotes and phone calls. He is extremely personable.

Barbara K., customer since 2023

Jamie was very pleasant to work with. Answered all my questions and made it a very easy process to switch my insurance companies.

Darlene M., customer since 2023

Very professional. Made sure the right coverage was applied. Answered all my questions. Helped when needed. Answered the phone after hours.

A client in Haverhill, customer since 2023

Nice communication, felt like we got a great deal with the coverages offered.

Ira & Rebecca L., customer since 2023

John takes the time to understand your situation and puts in the effort to do his best and is honest about the offerings he has. I appreciate him!

James & Darlene B., customer since 2023

First, John Bachman was so easy to work with. There was no pressure and he explained everything to me. The office staff are great also.

Jeralyn L., customer since 2023

John and Sheri were very helpful all time. Thank you so much

Widad B., customer since 2023

Significantly decreased our premium to help save money

Kendrick & Erika P., customer since 2022

I should have reached out to Brian at Norwood years ago! He increased my home and auto coverage, added an umbrella policy and managed to save me over $3,000 a year!! On top of that, Brian and his team are really good people…a pleasure to work with.

Thomas & Krista L., customer since 2022

Because the reps were knowledgeable and seamed very experienced and had the answers that I needed to hear about my different insurances

William S., customer since 2022

They work with you to ensure you get the right coverage. They are very attentive if you have questions. I felt very comfortable with the team.

Patricia & Daniel D., customer since 2022

Great service and great prices

A client in Haverhill, customer since 2022

Friendly knowledgeable service. Easy, transparent identification of new insurance carrier and saved money on new auto and homeowners policies. Glad we picked Norwood!

Margaret & Richard W., customer since 2022

Very professional and helpful.

Marie R., customer since 2022

Great communication and prices.

Patricia N., customer since 2022

Awesome customer service, attention to detail, never try to oversell, understands the customers needs and outstanding communication

David M., customer since 2022

John's knowledge and positive attitude made our experience a breeze. We felt confident with our decision mainly due to John's thorough explanations.

Luis & Claribel D., customer since 2022

John was amazing to work with throughout the sale and purchase of our home. He is very engaged with his clients which makes you feel comfortable with what you have for coverage, etc.

Kathleen & Gary S., customer since 2022

John is the best. As the sole business owner and runner there are many daily tasks to complete. John would check in periodically when he didn’t hear back from me to readdress my needs for the business. Though it took some time, it finally got done! John was patient, understanding and always friendly. Thanks again buddy!

A client in Lowell, customer since 2022

John was very quick when I needed fast help, informative, and communicative.

Sara C., customer since 2022

Fantastic customer experience and guidance every step of the way. John made sure I had exactly what I needed for my business and didn’t try to oversell me on “extras” I didn’t need. John was also extremely knowledgeable and helpful with all of my questions. I’m sure he has answered the same questions a million times before but he made me feel like it was the first time he was answering it. Thank you!

A client in Haverhill, customer since 2022

Working with the Norwood Insurance was great. Brian and team made the process of insuring our new vacation property in Maine quick and easy. I would highly recommend The Norwood Insurance agency for all your insurance needs.

Caitlin & Brian D., customer since 2022

What is life insurance?

The saying states that only two things are sure in life. Life insurance won’t help with taxes, but it may provide financial relief when the other occurs. For many Massachusetts residents, purchasing life coverage is an important step in being prepared for the end.

Life insurance generally offers protection against financial hardship that a policyholder’s passing might cause. Some policies also offer savings opportunities, which can help policyholders prepare for life’s later years.

What Massachusetts residents should purchase life coverage?

Any Massachusetts residents whose passing would create financial hardships for others should consider purchasing life coverage. Some examples of people who might want a policy include:.

  • Parents whose minor children are financially dependent upon
  • Spouses whose partner financially depends on their income
  • Heads of household who are the main breadwinners for their families
  • Caregivers who provide services for children, grandchildren or disabled family members
  • Children whose burial costs would be significantly burdensome
  • Business partners whose colleagues depend on their partner’s role within a business

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Children don’t necessarily need a large life policy, but a small one that’s worth a few thousand dollars may cover burial costs in a worst-case scenario. Business partners may want enough coverage to pay back their colleagues’ investments, should an essential partner pass and the business fold.

In addition to these, some people choose to carry life insurance so that they can leave a legacy. The legacy may be for their family (e.g. paying tuition for grandchildren) or a nonprofit organization (e.g. setting up a fund).

An insurance agent who specializes in life coverage can help determine how much coverage is appropriate for each of the above scenarios (or any other situations)

Life Insurance Massachusetts

How do term life and whole life coverage differ?

The two main types of life coverage are term life and whole life. They differ in how long coverage lasts, how premiums are structured, and whether a savings option is offered:

  • Duration: Term life policies typically provide coverage for a predetermined amount of time (e.g. 10, 20, 30 years), and benefits are normally only paid if the policyholder passes away during this time. Whole life policies are usually intended to provide coverage throughout a policyholder’s life, eventually paying death benefits upon passing.
  • Premiums: Most term life policies have fixed premiums that don’t change throughout the policy’s term. Whole life policies’ premiums often escalate as the policy continues providing coverage. Premiums can become quite expensive later in life, but the interest that accumulates in these policies frequently is greater than the premiums later in life. In many cases, the accumulating interest can eventually be used to pay the premiums.
  • Savings: Most whole life policies include a savings option, possibly in the form of an annuity. Part of the premiums paid can contribute to the savings, which along with interest can build up a nest egg for later in life. Term policies rarely (if ever) have such a feature.

What are cash-value whole life policies?

The savings that accumulate within a whole life policy build up what’s commonly referred to as “cash value.” The cash value is what’s able to help with expenses later in life, or sometimes during financial emergencies as you may be able to borrow against this amount.

How can Massachusetts residents get quotes for life insurance policies?

For assistance with life insurance, contact the independent insurance agents at Norwood Insurance Agency. Our agents can help you explore quotes from multiple insurance companies that underwrite policies in Massachusetts, and we have the expertise required to help you determine which quote best meets your needs.

Get a quote!