About Us
About Octans Insurance: Independent, Licensed, and On Your Side
Octans Life Insurance (Octans Insurance LLC) is an independent life and health insurance agency based in Massachusetts. Our licensed agents compare more than 120 carriers to help families in 19 states find coverage that fits their health, budget, and goals, at no cost to work with us.
- Independent agency comparing 120+ life and health carriers.
- 10 licensed agents serving clients in 19 states.
- No fees: carriers pay our commission.
- Guaranteed-issue options are available for eligible applicants who cannot qualify elsewhere.
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Make sure your family is financially protected today!
About Octans Insurance: Our Mission
Octans Insurance is an independent life and health insurance agency based in Massachusetts. Our mission is to protect families and individuals through life’s hardest moments by making life insurance simple, transparent, and affordable. Because we are independent, we compare more than 120 life and health insurance carriers instead of selling a single company’s products.
We also believe insurance should strengthen communities. Octans supports financial education and community development, and we help clients who want to leave a legacy to a charity through their life insurance.
Meet Our Licensed Agents
Every guide on this site is written or reviewed by a licensed agent, and every agent shares a National Producer Number you can verify on NIPR. See all agent profiles.
Carriers We Work With
Octans is appointed with a wide range of A-rated carriers, including the companies below, so we can match each client with the insurer most likely to approve them at the best price.
We compare 120+ A-rated carriers, including
How Is Octans Different From Buying Direct?
- Choice: one conversation compares many carriers for your age, health, and budget.
- Honesty: we explain waiting periods, exclusions, and when a cheaper option fits better.
- Same price: premiums are filed with each state, so working with an agency typically costs nothing extra. Read how we get paid.
- Ongoing help: we help beneficiaries file claims and review coverage as life changes.
Our Standards
Read our editorial standards, see the licenses and states we serve, and learn how we give back to the community.
More Resources
How Is an Independent Agency Different From a Captive Agent?
A captive agent represents one insurance company. An independent agency like Octans can compare policies from many carriers, which matters most when your health, age, or budget makes one company a poor fit.
| Question | Independent agency (Octans) | Captive agent |
|---|---|---|
| How many carriers? | 120+ carriers to compare | Usually one company |
| Who does the agent work for? | You, to find a suitable fit | The company they represent |
| If one carrier declines you? | We can try other carriers | Options may end there |
| Cost to you for our help | $0; carriers pay commission | $0; carrier pays commission |
Verify any agent license with the National Insurance Producer Registry.
About Octans Insurance FAQ
Is Octans Insurance a licensed agency?
Yes. Octans agents are licensed insurance producers in the states where they sell, and our leadership team’s National Producer Numbers are listed above and on our licenses page.
Where is Octans Insurance located?
Octans Insurance is based in Massachusetts and serves clients by phone and online in 19 states.
How do I contact Octans Insurance?
Call (617) 935-9220, email life@octansinsurance.com, or request a quote on our home page.
Learn More About Octans
Agent licensing varies by state. Verify license status through NIPR or your state insurance department.
About examples and tools: Hypothetical examples, sample rates, calculators and quizzes on this site are for general educational and illustrative purposes only. They are not quotes, offers of coverage, or guarantees of eligibility, approval, price or benefits, and they are not legal, tax, financial or medical advice. The insurance company decides eligibility and price; Medicare rules are set by CMS and the Social Security Administration.
Ready to Compare Your Options?
Start with a free, no-obligation quote review with a licensed Octans agent.
(617) 935-9220 | life@octansinsurance.com