Make sure your family is financially protected today!
120+
Carriers compared
19
States served
10
Licensed agents
$0
Cost to work with us
On this page
Life Insurance Quotes From 120+ Carriers, Explained by Licensed Agents
Octans Insurance is an independent life and health insurance agency based in Massachusetts. Because we are not tied to one company, our licensed agents compare coverage from more than 120 carriers and explain the trade-offs in plain language, so you can choose a policy that fits your budget, your health, and the people you want to protect.
Most clients come to us for final expense insurance, guaranteed issue coverage, life insurance for seniors, term life, and mortgage protection. There is no cost to work with us: agencies like ours are paid by the carrier when a policy is issued.
Find the Right Coverage
Final Expense Insurance
Small whole life policies for funeral and end-of-life costs.Life Insurance for Seniors
Options for ages 50 to 85, compared side by side.Term Life Insurance
Affordable protection for 10, 20, or 30 years.Guaranteed Issue Life Insurance
No health questions; graded benefit period.No Exam Life Insurance
Get covered without a medical exam.Whole Life Insurance
Lifetime coverage with guaranteed cash value.Mortgage Protection Insurance
Coverage sized to your home loan.See All Coverage Types
Compare every option on one page.
Small whole life policies for funeral and end-of-life costs.Life Insurance for Seniors
Options for ages 50 to 85, compared side by side.Term Life Insurance
Affordable protection for 10, 20, or 30 years.Guaranteed Issue Life Insurance
No health questions; graded benefit period.No Exam Life Insurance
Get covered without a medical exam.Whole Life Insurance
Lifetime coverage with guaranteed cash value.Mortgage Protection Insurance
Coverage sized to your home loan.See All Coverage Types
Compare every option on one page.
How Getting Covered With Octans Works
1
Tell us what you needComplete the quote form above or call (617) 935-9220.
2
Compare real optionsA licensed agent compares carriers for your age, health, and budget.
3
Apply with helpMany applications are completed by phone, often the same day.
Meet Your Licensed Agents
Every agent shares a National Producer Number you can verify. Meet the whole team.
Life Insurance in the 19 States We Serve
Coverage rules, free-look periods, and guaranty limits differ by state. Choose your state for a local guide, or see all states.
More Resources
Prefer to Get Your Own Quotes or Buy Online?
Compare life insurance quotes yourself in real time, or apply directly with Gerber Life through Octans. A licensed agent is still a phone call away at (617) 935-9220.
Get Your Own Quotes
Compare term, whole life, and Medicare supplement quotes in real time with our Easy Quote Tool.Buy Gerber Life Guaranteed Issue
Ages 50 to 80, no health questions. Get a quote and buy direct online.Buy Accidental Coverage Online
Affordable accidental death and dismemberment coverage from Gerber Life.
Compare term, whole life, and Medicare supplement quotes in real time with our Easy Quote Tool.Buy Gerber Life Guaranteed Issue
Ages 50 to 80, no health questions. Get a quote and buy direct online.Buy Accidental Coverage Online
Affordable accidental death and dismemberment coverage from Gerber Life.
Which Life Insurance Type Fits You?
Use this quick comparison before you request life insurance quotes to see where each policy type usually fits. A licensed Octans agent can confirm which options you qualify for in your state.
| Policy type | How long it lasts | Medical exam? | Often used for |
|---|---|---|---|
| Term life | 10 to 30 years | Sometimes | Income and mortgage protection |
| Whole life | Lifetime | Sometimes | Lifelong needs and cash value |
| Final expense | Lifetime | No, health questions only | Funeral and final bills |
| Guaranteed issue | Lifetime | No exam or health questions | Hard-to-insure applicants |
| No-exam life | Term or lifetime | No | Fast approval without a paramedical exam |
Independent consumer information: NAIC guide to life insurance.
Life Insurance Questions We Hear Most
How much does life insurance cost?
Price depends mainly on age, health, tobacco use, coverage amount, and policy type. Published samples show a healthy 40-year-old paying roughly $35 to $59 a month for $250,000 to $500,000 of 20-year term, while $10,000 of final expense coverage at 70 runs about $53 to $70 a month.
Can I get life insurance without a medical exam?
Yes. Accelerated, simplified issue, and guaranteed issue policies rely on health questions and data checks instead of an exam. See no exam life insurance.
What is the difference between final expense and burial insurance?
They are the same product: a small whole life policy, usually $5,000 to $40,000, that pays funeral and end-of-life bills.
Do I pay more by using an insurance agency?
Generally no. Premiums are filed with each state, so the price is typically the same whether you buy direct or through an agency.