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Compare life insurance agents in Melrose. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Melrose, MA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Massachusetts before hiring.
Showing 4 life insurance agents in Melrose, MA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
TF Ward Insurance Agency
403 Franklin St, Melrose, MA 02176
(781) 665-2990
risman.com
Jeff Carbone Insurance
504 Main St, Melrose, MA 02176
(781) 662-4444
jeffcarboneinsurance.com
Acrisure Melrose, MA (McLaughlin Insurance & Risk Management)
828 Lynn Fells Pkwy, Melrose, MA 02176
(781) 665-2775
acrisure.com
Salmeri Insurance
527 Main St #1, Melrose, MA 02176
(781) 322-8654
Life insurance agents in Melrose, Massachusetts help residents choose policies that fit their financial goals and family needs. Massachusetts law requires agents to hold a state license and follow strict regulations on policy disclosures and replacement rules. Working with a local agent can simplify the process of comparing term life, whole life, and other products available in the Commonwealth.
What Does a Life Insurance Agent in Melrose Cost?
Typical costs for life insurance in Massachusetts depend on age, health, and coverage amount. A healthy 35-year-old might pay 25 to 50 dollars per month for a 20-year term policy with 500,000 dollars in coverage. Whole life policies often cost 100 to 300 dollars per month for similar coverage. Actual premiums vary by insurer and individual risk factors. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What license does a life insurance agent need in Melrose Massachusetts?
Agents must hold a valid Massachusetts insurance producer license for life insurance. This requires passing a state exam and completing continuing education every two years. The license is regulated by the Massachusetts Division of Insurance.
How does Massachusetts law affect life insurance policy replacements?
Massachusetts has strict replacement regulations. When an agent recommends replacing an existing policy, they must provide a detailed comparison form and a 10-day free look period for the new policy. This protects consumers from unsuitable switches.
Can a life insurance agent in Melrose help with Massachusetts estate planning?
Yes, many agents coordinate with estate planning attorneys to align life insurance with Massachusetts estate tax rules. The state exempts the first 1 million dollars of an estate from tax, so coverage can help heirs pay any tax due above that threshold.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Massachusetts.