Boston Mutual Life Insurance Company Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Boston Mutual Life Insurance Company Score:
3 Stars
Boston Mutual Life Insurance Company was founded in 1891 and offers life insurance and other complementary products to individuals and employers. AM Best, the leading global credit rating agency monitoring the insurance industry, gives Boston Mutual an A (Excellent) rating, indicating the carrier has a strong financial foundation.
We award Boston Mutual Life Insurance Company a final rating of 3 out of 5 stars. The carrier’s long-standing history, impressive financial stability, and amount of coverage in force certainly shows that the company is sitting on a strong foundation.
Coverage is offered across the nation and life insurance policy options with no medical exams required are available, which makes Boston Mutual highly accessible to a wide range of customers. The carrier has a robust website that is somewhat confusing to navigate. Customers can download claims forms online, but forms for claims and most other services must be printed, filled out, and mailed or faxed to the carrier.
A concerning number of complaints on the internet is also worth noting for prospective life insurance customers. While we wouldn’t write off Boston Mutual as a good potential choice to meet your life insurance needs, it's always smart to shop around for several options before making a final choice. An independent insurance agent can help you find the best life insurance for your needs.
Boston Mutual Life Insurance Company Pros and Cons:
Consider these pros and cons when exploring Boston Mutual as a potential life insurance company.
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To find the right life insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your coverage needs and get connected to an agent near you.
Boston Mutual Life Insurance Company Products:
Boston Mutual specializes in life insurance, but there are several coverage options available, including the following.
For individuals and families
- Permanent life insurance
- Children's term life insurance rider
- Accident insurance
For employees
- Employee whole life insurance
- Employee term life insurance
- Group term life insurance
- Group accidental death and dismemberment insurance
- Employee critical illness insurance
- Employee short-term disability insurance
- Group short-term voluntary disability insurance
- Group short-term disability insurance
- Employee long-term voluntary disability insurance
For both employees and individuals, Boston Mutual Life Insurance offers several coverage options. If you’re in the market for life insurance, Boston Mutual is a carrier to consider.
What Discounts Does Boston Mutual Offer?
While Boston Mutual does not readily provide information about their specific discounts to prospective customers via their public website or direct inquiries, an independent insurance agent can help. Your agent can help you find specific discounts and quotes for premium rates.
Boston Mutual Customer Service
Boston Mutual allows customers to handle claims over the phone or via regular mail. Additionally, the carrier provides the following customer service options:
- Claims reporting hotline during restricted hours, Monday-Friday.
- Additional option to file claims via fax.
- Main hotline for customer service has the following hour restrictions:
| Days | Hours (ET) | ||
| Monday-Friday | 8:00 am - 5:00 pm |
While Boston Mutual provides direct contact options, your agent can help you with any issues that arise or if you have to file a claim.
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Boston Mutual Life Insurance Company FAQs
Boston Mutual accepts claims using downloadable claim forms that can be submitted via mail or fax. You can also call to report a claim. However, the carrier’s public website does not make note of any specific claims response time frame promise. The carrier has a FAQ section, but it only states to call the claims line for questions about claims.
Boston Mutual offers a client service phone line that is available Monday-Friday, 8:00 am-5:00 pm EST. Policyholders can also ask questions via email.
The only information provided by Boston Mutual on their claims process is how to file a claim. Customers have the option to download appropriate claims forms from the website and submit them via mail or fax. There are separate claims information pages and forms for individual policyholders and employee policyholders. The sheer number of forms and processes laid out on the website is somewhat daunting.
Boston Mutual’s website is large and difficult to navigate. It has a wide variety of information, forms, and even videos, but users must open a new tab every time a new page is opened, with no ability to go back. Likewise, the information is poorly organized.
There are no online claims options for any product, but that is not uncommon for life insurance companies. Given the nature of the products, however, a little more information on what the claims process entails would be extremely useful.
The carrier’s website allows prospective customers to find representatives in their state so they can work with them to obtain coverage. Boston Mutual has a presence on Facebook, Instagram, and LinkedIn. It does not appear to offer a mobile app at this time.
https://www.bostonmutual.com
https://ratings.ambest.com/CompanyProfile.aspx?BL=0&ambnum=6170&AltNum=21706170&AltSrc=3
https://www.bbb.org/us/ma/canton/profile/insurance-companies/boston-mutual-life-insurance-company-0021-198/customer-reviews