Independent Life Insurance Agents
The agents at the Daniel J. Guarino Insurance Agency are Independent Insurance Agents. This is important when dealing with Life Insurance in Boston and Massachusetts, because independent agents have the ability to shop around from insurance carrier to carrier.
Each insurance company has their own products, premiums and underwriting requirements. For example, some companies have better performing Whole Life and Universal Life products, while others have longer lasting or less expensive Term Life products. Furthermore, some carriers accommodate impaired risk individuals better, yet others offer better alternatives for smoker applicants.
This, in turn, allows our agents to find the best products and premiums to fit our clients’ needs and objectives, for we don’t just represent one company, we represent many different insurance companies from all over the United States, including SBLI.