413-743-1216  •  45 Park Street  •  Adams, MA 01220


At Smith Bros-McAndrews Ins Agency Inc we go far beyond being standard Massachusetts insurance agents—we aim to be the insurance experts you trust to protect your most significant asset—your life.

From providing you with reliable Massachusetts car insurance, home and business coverage, we now strive to go above and beyond by protecting your life with dependable Massachusetts life insurance. We know that trying to secure the right life insurance plan can get a bit stressful—and it certainly takes time. From the necessary research to weighing the pros and cons of term life insurance versus whole life, variable and beyond—it’s easy to get frustrated.

Which is why we’re here for you. At Smith Bros-McAndrews Ins Agency Inc, we want to be your more than just your MA insurance provider, we want to be the trusted coverage specialist you rely on to handle all of your Massachusetts life insurance needs.

In addition to helping you navigate your way through one of the most critical policy decisions you will ever have to make in your lifetime; we pledge to secure you a custom Massachusetts life insurance plan you can depend on—and one that is tailored to your individual needs.

Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance… the list and combinations seem endless. At Smith Bros-McAndrews Ins Agency Inc we want to help you determine which insurance policy type is right for you. Our dedicated team of life insurance professionals understands Pennsylvania’s market and regulations and can find the right plan – or mixture of options – that fit your unique needs.

Term Life Insurance Basics:

  • Coverage for a “term” or period of your life.
  • Lower premiums for higher coverage.
  • Rates can change after specific terms expire.
  • No equity – cannot be used as cash value.

Whole Life Insurance Basics:

  • Exactly like it says – permanent, not for a specific period.
  • Protection carries with you your whole life.
  • Can build equity and have cash value.
  • Higher premiums than term life, but can be more valuable in the long run.

Term and Whole Life Combined:

  • Build lifelong base of whole live coverage.
  • Supplement specific times of your life with term insurance.

With so many alternatives it’s understandable that you may feel a bit anxious—so why don’t you enjoy living your life to the fullest and leave the insurance part to us!

Life insurance is all about you, and you are certainly worth insuring! So, contact us today and let one of our life insurance experts get you started on the right path!

Give Smith Bros-McAndrews Ins Agency Inc a call right now for more information and receive a free Massachusetts life insurance quote right now!

Get in Touch:
Monday - Friday 10:00am - 3:00pm

Also available by appointment.

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