Find the right life insurance policy for you.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

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.


Cambridge, Massachusetts is a beautiful college town and a great place to live, work and play. It is an ideal place for young families to plant roots and for older people to retire. If you are starting a family or have several loved ones who rely on you financially, it's a good idea to consider purchasing a Cambridge, MA life insurance policy.

There are different types of life insurance and choosing the best policy and coverage amount can be difficult. An independent agent in the  Trusted Choice® network can help you decide which policy type can best meet your unique needs. By using their relationships with several different insurance carriers, independent agents can easily provide a selection of competitively-priced policies. Find an agent in your neighborhood today for quick, free Cambridge life insurance quotes.


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Massachusetts Leading Causes of Death per Age Group

  • Ages 1 through 14: Injuries caused 128 deaths (32%)
  • Ages 15 through 24: Injuries caused 505 deaths (72%)
  • Ages 25 through 44: Injuries caused 2,023 deaths (44%)
  • Ages 45 through 64: Cancer caused 8,560 deaths (37%)
  • Ages 55 through 74: Cancer caused 7,494 deaths (40%)
  • Ages 65 through 84: Cancer caused 14,781 deaths (27%)
  • Ages 55 and above: Heart disease caused 18,816 deaths (30%)

Massachusetts is among the best states in the country as far as life expectancy is concerned, and although cancer is the leading cause of death in Middlesex County, the amount of people suffering from cancer here is less than the national average. Despite these positive statistics, more than 20 percent of all deaths happen to people under the age of 65. When someone still of working age passes away suddenly, those they leave behind may suffer financial and emotional hardships.

Good News for Cambridge Residents

A recent study by the Massachusetts state government showed that life expectancy rates in Massachusetts are rising. In Cambridge, life expectancy jumped a whopping four years, going from 79 to 83 between 2000 and 2009. In even better news, the premature mortality rate in Cambridge dropped 28% during that same time span.

Premature Deaths in Cambridge, MA

  • In 2000, there were 235 premature deaths in this city
  • This equates to a premature mortality rate of 317.2 of every 100,000 residents
  • In 2009, there were 178 premature deaths in this city
  • This equates to a premature mortality rate of 229.0 of every 100,000 residents

While these statistics show that you stand a very good chance of living a long and healthy life, you must still be prepared for the possibility of an accident or a sudden illness. With a Cambridge life insurance policy, you can be sure that those you leave behind are financially stable.

Why Consider Purchasing a Cambridge Life Insurance Policy?

Young people are strongly advised to consider purchasing a life insurance policy.  If you are young and healthy, you can find coverage at a much lower rate than when you are older or have been diagnosed with an illness. The longer you put off purchasing a life insurance policy, the more your premiums will cost you.

Though life insurance may not seem necessary now, keep in mind that it is a good idea to be  prepared for the unexpected. If you have loved ones who depend on you for income, you need to think about how they would cope financially in the event of a tragedy.

What Will a Cambridge Life Insurance Policy Cover?

What your policy will cover is fully dependent on how much insurance you purchase. For some people, purchasing just enough to cover final expenses is sufficient. For younger families, a policy large enough to pay off the mortgage and fund their children’s education might be best. The amount of coverage necessary varies from person to person.

The type of life insurance policy you choose should match your unique situation. You may prefer to have a policy that will allow you to take out a lump sum while you are still alive if the need should arise, or you may wish to purchase a short term policy that will provide for your children until they are old enough to provide for themselves.

The Differences Between Term and Permanent Life Insurance

  • Term life insurance: Term life insurance policies are purchased for a specific amount of time, or term. Terms typically range from 10 to 30 years. Coverage through these policies will last only for the duration of the term. Once the term is up, the policy is expired.
    Many people prefer term over permanent insurance because it is much less expensive. These policies allow you to have life insurance coverage at a time when it is most necessary. A young couple starting a family may purchase a 30-year term policy with the expectation that when the policy expires, their house will be paid off and their children will have jobs incomes of their own.
  • Permanent life insurance: Permanent life insurance policies, which include whole life and universal life insurance, are significantly more expensive than term policies, but they will last for as long as you continue to make payments on your premiums. With these policies, you have the option to increase your coverage amounts as your needs change. The younger and healthier you are when you begin a permanent life insurance policy, the less it will cost as you grow older. Even if you are diagnosed with a serious illness, your premiums will not go up. The money you pay is invested and your policy therefore develops a cash value. You have the option to cancel your policy at any time and receive its cash value.

Save on Life Insurance

Our independent agents shop around to find you the best coverage.

Select the Right Policy for You

It can be difficult to decide which type of life insurance policy and amount of coverage to purchase. You can rely on the help of a local Trusted Choice member agent who can provide you with all the information necessary to weigh your options and make an informed decision.

Each of the independent agents in the Trusted Choice network have taken a pledge to provide customers with excellent service and ethical advice. Your agent can explain the pros and cons of each life insurance policy type and can help you decide how much coverage and which policy option is best for you. Contact a network agent in your ZIP code today to obtain a selection of competitively-priced Cambridge life insurance quotes.

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