Life Insurance Quotes From 120+ Carriers, Explained by Licensed Agents

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

How Getting Covered With Octans Works

Meet Your Licensed Agents

Every agent shares a National Producer Number you can verify. Meet the whole team.

Louis Maude
CEO
Mohamed Sharari
VP of Sales
Mishawn Roberts
Director of New Business
Ali Teymourian
VP, Business Development

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.

Popular Life Insurance Guides

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.

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.

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. Final expense policies use health questions only, while guaranteed issue asks no exam or health questions but has a graded benefit period, so the full benefit may not be paid right away. A licensed agent can check which types you qualify for, and many applications are completed by phone, often the same day.

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. Because it is whole life, the coverage lasts a lifetime. Most of these policies ask health questions instead of requiring a medical exam, and a guaranteed issue version skips the health questions but has a graded benefit period. Either name describes the same coverage, so compare the policy details, not the label.

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. There is also no cost to work with Octans: agencies like ours are paid by the carrier when a policy is issued. Because Octans is independent and not tied to one company, a licensed agent can compare coverage from more than 120 carriers and explain the trade-offs in plain language.