Life Insurance

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Coverage that protects those you care about most

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It's a subject no one likes to discuss but topic all who have loved ones must face: If I were to die, how would my family get by financially? 

Life insurance proceeds can help meet ongoing living expenses, pay off debt, protect your spouse's retirment plans, continue a family business and finance future needs such as your children's college education.

What type of life insurance you purchase depends on your life circumstances, including budget.

Your two basic life insurance options are: 

  • Term Life Insurance: Coverage provides a predetermined death benefit for a predetermined number of years, typically ranging from 10 to 30. Annual premiums are fixed, based on your health and life expectancy at the time you apply for the policy.
  • Permanent Life Insurance: This coverage is permanent throughout the policy holder’s life. Because permanent life insurance includes a savings component and lifetime coverage, regardless of how long you live, premiums are more expensive than for term life. Permanent life insurance offers multiple advantages, including deferred taxes on accumulated cash value. And withdrawal of funds is tax-free for as long as the policy remains in force. 
Permanent life insurance policies are classified as:
Caters to long-term goals by offering consistent premiums and guaranteed cash-value accumulation.
Provides flexibility in premium payments, death benefits and the savings element of the policy.

Customized coverage to meet your family's needs

We've been serving needs of families on the SouthCoast and beyond with term life insurance and permanent life insurance for more than 65 years. Because we're an independent agency, we can work with multiple companies to find the policy that best suits your circumstances.

To speak or meet with a Sylvia Group agent, contact Rosemarie Lopes at (508) 742-9230 or rlopes@sylviagroup.com.

Testimonials

  • “When I needed assistance with my business insurance program, Jill White immediately responded – and, even more important, she listened. She understood the challenges I had with my former agent, and she and the Sylvia Group team designed a program specific to my restaurant’s needs. I’m confident that with Jill’s expertise and personal attention, Fay’s is in good hands. That gives me the peace of mind to focus on what my family and I do best: serve delicious food and provide great customer service while running a successful business.”

    – Evelyn Bettencourt, Owner, Fay's Restaurant and Knotty Pine Fine New England Catering

  • “Sylvia Group is very resonsive to our ever-changing needs. Jill White provided us with wonderful support when we moved our child-care program location. She ensured that our coverage was seamless and that it met all of our program, licensing and funding needs. Sylvia Group always assists us immediately when we have questions and/or requests. We knw we are in good hands and that they have the best interest of our YWCA participants in mind. It's a pleasure to work with the staff of Sylvia Group; they are truly customer-focused.”

    – Gail Fortes, Executive Director, YWCA Southeastern Massachusetts

  • “Thanks to John Beauregard and the professionals at Sylvia Group, our MassMEDIC membership has paid immediate dividends. Through the BIO Business Solutions® program, Primo Medical received a significant premium reduction on our Professional Liability policy. In addition, utilizing Chubb as our insurance provider and Sylvia Group as our broker, we’re confident that we have business partners who truly understand our insurance needs, provide outstanding loss control services and continue to work with us to lower our total cost of risk.”

    – Christopher LaPlante, Chief Financial Officer, Primo Medical Group

  • “I want to thank you for this incredible resource, ThinkHR. We will be accessing it frequently and appreciate Sylvia Group making this available to Advanced Eye Centers.”

    - Paul C. Abrantes, Executive Director, Advanced Eye Centers

  • “I love your staff. In the first three or four weeks after we moved over to Sylvia Group for our insurance, I have had more communication and attention from them than I had in the seven or eight years we were with our former agency! You have a great team.”

    – Pat Cassan, Ocean Explorium

  • “I just wanted to take the time to recognize what a remarkable job Danielle Andre is doing. I cannot thank her enough for her time, her kindness and her willingness to make sure I’m comfortable with all the necessary changes that occurred from an insurance standpoint. As a whole, every Sylvia Group staff member has been friendly and knowledgeable, but Danielle has certainly gone above and beyond for me.”

    – Shannon S., Personal Insurance client

  • “I so appreciate Julie Jennings' help with Medicare planning. It is a relief to be able to consult with a knowledgeable professional on insurance issues. I have no idea how people do this without such help.”

    – Chris Black, Personal Insurance client

  • “Working with Sylvia Group over recent years has taken our insurance issues from 'groans and moans' to 'no problem.' Rose Lopes, our Account Manager, is one of the most responsive people I have ever worked with. She responds immediately to questions or special requests. It is such a pleasure to work with Rose, who does whatever it takes to find a solution to our needs. We are very pleased… She always has our interests in mind.”

    – Lynne Foley, Director of Human Resources, Five Star Companies, Inc.

  • "Sylvia Group is by far the best insurance agency I have ever dealt with, both personally and in my business. They provide customer support that is not found in other agencies. For example, they take a personal interest in their clients, calls are always taken or returned immediately, and during reviews suggestions are made to offer the most cost effective and comprehensive coverage. When claims occur, they have always been there to facilitate the process. It has truly been a pleasure to have them represent me in my insurance needs."

    - William N. Whelan, Chairman, Whelan Associates LLC

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