Life Insurance

Life insurance isn’t about fear—it’s about planning. At F&T Insurance Agency, we help individuals and families across Massachusetts, Rhode Island, Connecticut, and New York find life insurance coverage that brings clarity and confidence to their future.

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Plan with Purpose

Life Insurance Built Around You

From young families in Westport MA to retirees in Albany, we help people choose life insurance with confidence. Whether you’re looking for term or whole life, we offer life coverage with one-on-one support from people who care.

Term Life Protection

Get affordable life insurance to provide coverage during key stages—raising kids, paying off a mortgage, or growing a business.

Whole Life Insurance

Our whole life insurance policies include lifetime coverage with guaranteed premiums and a cash value component that grows over time.

Tailored Policy Options

We offer personalized life insurance quotes, helping you match your coverage to your goals, lifestyle, and long-term plans.

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Common Life Insurance Questions

  • What’s the difference between term and whole life?

    Term life provides coverage for a set period, while whole life lasts your entire life and includes a cash value. We help you choose the right one.

  • How much coverage do I need?

    It depends on your income, debt, lifestyle, and family needs. We guide you through a quick needs analysis to find the right amount.

  • Is life insurance expensive?

    Not necessarily. Term life is very affordable for most people. We compare options for the best life insurance MA offers at every budget.

  • Can I change my policy later?

    In many cases, yes. Some policies allow for conversion, increased coverage, or other adjustments. We’ll review your flexibility.

  • Do I need a medical exam?

    Some policies do require one, but not all. We help you find the best option based on your health history and age.

Make It Easy

Let’s Secure Your Future

At F&T Insurance Agency, life insurance isn’t a transaction—it’s a conversation. We help you navigate your options, understand your benefits, and choose coverage that works now and years from now. And if a claim ever needs to be filed, we’ll guide your family through it.

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