Affordable coverage for a set period — ideal for income replacement and mortgage protection.
Permanent coverage with guaranteed death benefit and a cash value component that grows over time.
Flexible permanent insurance with adjustable premiums and death benefits.
Key person insurance and buy-sell agreement funding to protect your business partners and operations.
We compare multiple carriers and policies to find the best coverage at the best rate for your situation.
Ensuring your family maintains their lifestyle and security if something happens to you.
Protecting business partners and key employees through key person policies and buy-sell agreements.
Using permanent life insurance as part of a broader estate and wealth accumulation strategy.
We evaluate your income, dependents, debts, and goals to determine the right coverage amount and type.
We shop multiple top-rated insurance carriers to find the best rates and coverage for your profile.
We guide you through the application process and coordinate with the insurer through underwriting.
Your policy is issued and activated. We store a copy and schedule annual reviews to keep coverage current.
A common guideline is 10–12x your annual income, but the right amount depends on your debts, dependents, and financial goals. We calculate this for you.
Term provides coverage for a fixed period at lower cost. Whole life is permanent and builds cash value but costs more.
In many cases, yes. Some carriers specialize in higher-risk profiles. We match you with the right carrier for your situation.
Yes. Life insurance proceeds pass to beneficiaries tax-free and can be a cornerstone of a generational wealth strategy.
Schedule a free consultation with Bradley Polanco. No pressure — just a clear picture of where you stand and what we can do together.
60 Island Street, Suite 214 · Lawrence, MA · Hablamos español · Falamos português