Life & Disability Insurance, Made for Massachusetts Families

At F&T Insurance Agency, we provide life and disability insurance to individuals and families across Massachusetts—from retirees in Amherst to young professionals in Boston and business owners in Brockton. We help you prepare for the unexpected with coverage that protects your income, supports your dependents, and reflects your long-term goals—without the confusion or the pressure.

Life Insurance That Starts with Real Conversations

Whether you’re raising a family in Worcester, planning your estate in Newton, or starting out in Lowell, our MA life insurance options help secure your loved ones’ future. We offer both term and whole life policies, built around your needs—not an algorithm.

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Disability Insurance That Protects Your Paycheck

Injury and illness can happen anywhere—from Springfield to the South Shore. Our Massachusetts disability insurance policies provide income replacement when you can’t work—so your financial plans don’t fall apart if your health does.

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Long-Term Care Insurance for the Road Ahead

Planning for elder care isn’t easy, but it’s essential. We help Massachusetts residents from the Berkshires to Cape Cod access long-term care insurance that supports assisted living, home care, and nursing facility expenses down the line.

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Special Needs Planning That Goes Further

Whether you’re in Marlborough or Medford, we provide special needs planning support that helps families protect a loved one’s future. Our services include guidance on trusts, life insurance policies, and long-term strategies for care and independence.

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