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- Prices Not Found Online
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Guaranteed Lowest Price
Rated 'Excellent' 4.8/5
Life Insurance
Get a quote below and discover the right way to get life insurance
Accepting only Massachusetts & New Hampshire residents
- Mortgage Protection/Payoff
- Universal Life Insurance
- Whole Life Insurance
- Term Life Insurance
- Zero Added Cost For Service
- Guaranteed Cheapest Price
4.8/5 Rated “Excellent”
Compare Life Insurance Quotes Today.
Offering an easy process from start to finish for people looking for life insurance covering a range of options like final expense, term, universal, or whole life.
- Life Insurance
- Discount For Couples
- All Medical Conditions
- Exclusive Prices Not Found Online
- All Ages Below 80 are welcome
Wayne Neil
Why Choose The Mello Agency?
- Real Experts, Not Algorithms - Speak directly with knowledgeable agents who understand your needs.
- Exclusive Rates – Access prices you won’t find online, thanks to our strong relationships with top insurers.
- Hassle-Free Claims Support – When the unexpected happens, we help you navigate the claims process smoothly.
- Long-Term Support – We don’t just sell policies—we build relationships. Our team is here for you year after year.
HOW THE MELLO AGENCY WORKS
Get your life insurance in 3 easy steps
(1) Submit Details
Fill out the application form provided. Provide accurate and detailed information about yourself, your property, or any other relevant details requested by the insurer.
(2) Get A Quotation
Carefully review the insurance quotes you receive, comparing coverage limits, deductibles, premiums, and any additional features or benefits offered.
(3) Get Covered
If your application is approved, you will receive an insurance policy document along with the premium amount you need to pay.
Why Choose The Mello Agency?
Great value cover
Flexible insurance policies to suit your needs
Easy to use
Friendly unbiased advice from experts
Trusted claims process
Ask about our claims experience, we don't hide away from them
The Mello Agency vs Buying Online
Features
Placed With Carriers Who Actually Pay Out
Over-the-Phone Guidance
Assistance With Claims
Regular Policy Reviews
Clear, Jargon-Free Communication
Help With Complex Insurance Jargon
Long-Term Support And Service
The Mello Agency
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Buying On Your Own, Online
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Why get covered?
Debts don't pass when you do*
- Coverage so your family can remain in your home
- Take the stress off your family from selling all of your assets
- Leave your family debt free
Hedge against your Savings/Investment Goals*
- Lump Sum and Time needed before you meet your goal
- Pay Estate Taxes
- Business Transition Planning
Your Peace of Mind*
- Policies to match all situations and medical conditions
- Brokered among the highest rated carriers for the lowest price
- Options for Diabetes, Obesity, Heart Disease, High Blood Pressure, High Cholesterol, and More
Exclusive New Hampshire & Massachusetts Offers
Many advisers operate under large networks, which gives them the ability to offer financial services like life insurance. However, this often means you, the client, end up paying more for your policy due to additional fees and commissions tied to the premium. At The Mello Agency, we are directly authorized, allowing us to offer you the most affordable rates straight from the insurer. We are paid by the insurer, not by our clients.
- The Ultimate Win Win: We get paid from the providers, not from our clients.
- No Loaded Premiums: We offer you prices with no loaded premiums, receive the cheapest premium for your cover, without being charged more.
- Whole Of Market Search: Unbiased and trusted advice, we give you what's best for you, not what's best for us.
Rated 'Excellent'
Andrew Richards
Kimberly Hughes
John Whitney
Charissa Alanurm
Get A Life Insurance Quote From Real People, Who Care
Rod B
Jennifer Lynn
Jan Smith
Larry Lonas
Mello / AllState lucky to have such a valuable employee representing them.
Life Insurance Benefits
Payoff Your Mortgage
Funeral Expenses
Paying off Debt
Tax-free Inheritance
Estate Taxes
Recommended By Others
Family Can Stay In Home
Retirement Planning
Ask Our Experts
Life insurance covers the death of the insured person, and the payout can be used for many purposes by the beneficiaries.
The cost of your life insurance premium is determined by a combination of factors including your age, gender, overall health, lifestyle habits, the type and length of the policy you choose, and the amount of coverage you purchase, essentially reflecting your perceived risk of mortality to the insurance company; younger, healthier individuals typically pay lower premiums than older, less healthy individuals.
- Offers guaranteed death benefits, premiums, and cash values
- Has fixed premiums and a fixed interest rate on the policy’s cash value
- Has higher premiums than term life insurance
- May provide dividends, but these payments are not guaranteed
- Offers more flexibility in premium payments and death benefits [1]
- Has an interest rate that varies based on market conditions [1]
- Allows you to reduce or skip premium payments [3]
- May offer the option to adjust your premiums or death benefit over time [6]
- May risk losing coverage if the cash value runs out [3]
A free look provision in life insurance is a period of time when a policyholder can review and return their policy for a full refund. This period is usually 10–30 days, but varies by state.
- Buy when you’re young: Life insurance is generally more expensive as you age. At 40, rates start to increase rapidly.
- Maintain a healthy lifestyle: Avoid smoking and other nicotine products, and exercise regularly.
- Get the right amount of coverage: Consider your financial obligations and don’t have too much coverage.
- Bundle policies: Many insurance providers offer discounts for bundling multiple policies.
- Pay annually: Paying annually instead of monthly can save you up to 5%.
- Consider a life insurance ladder: This strategy involves buying multiple term life insurance policies with different expiration dates.
- Reevaluate your coverage: As your life circumstances change, you may need less coverage.
We prioritize your privacy and security.
Email: a0d8006@allstate.com
Call or Text: (603) 472-2599
Address : 132 Bedford Center Road Ste. C, Bedford
NH 03110
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