I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Feb 28, 2022

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Here's the Scoop

  • Boston Mutual Life Insurance Company is over 100 years old
  • Boston Mutual Life Insurance only sells permanent life insurance
  • Boston Mutual Life Insurance is available throughout the United States

For over a century, the Boston Mutual Life Insurance Company has sold high-quality life insurance products, and the company continues to do so to this day. So if you’re looking for a company that makes buying life insurance easy, you will certainly want to consider giving your business to Boston Mutual Life Insurance.

Keep reading to learn more about this venerable company and the policies it can offer you.

What is Boston Mutual Life Insurance Company?

The Boston Mutual Life Insurance Company first opened its doors for business in 1891 and currently provides excellent insurance products throughout the United States. While Boston Life has spread throughout the country, its head office remains in Massachusetts.

After purchasing the policy, you won’t receive a Boston Mutual Life Insurance login. You won’t even be able to make your Boston Mutual Life Insurance payments online. This may deter more tech-savvy consumers who are used to having online access to policy documents and mobile apps for insurance products. You will, however, be able to download any forms you need to file a claim with this company.

Boston Mutual is also a great insurance company for seniors, as are these other insurance companies:

CompanyAM Best RatingAM Best Financial Outlook
Mutual of OmahaA+Stable
Northwestern MutualA++Stable
TransamericaAStable
Banner LifeA+Stable
AIG DirectAStable
Prudential A+Stable
MassMutualA++Stable
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Boston Mutual also actively gives back to the community through its Boston Mutual Making An Impact program, which encourages employee volunteerism and promotes environmental sustainability efforts.

You can call the Boston Mutual Life Insurance phone number at 800-669-2668 or send an email directly to the company to learn more about its charitable programs.

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Is Boston Mutual Life Insurance Company highly rated?

Boston Mutual Life has an A+ rating from the Better Business Bureau, which indicates that you’ll be treated well whenever you interact with a Boston Mutual Life Insurance customer service representative. You can also trust this company to pay out any claims that are filed because it has been awarded an A from A. M. Best.

What life insurance products does the Boston Mutual Life Insurance Company offer?

Boston Mutual Life specializes in permanent life insurance coverage, so it doesn’t have a wide variety of products for you to choose from. You can see the three products that Boston Mutual Life offers here:

  • Infinite Life
  • Legacy Life Select
  • Legacy Life Express

These three policies each have unique features that make them desirable, so let’s examine these policies closely to discern which one is a good fit for your needs.

Infinite Life

You can purchase an Infinite Life plan until you are 80 years old, which makes this a great plan for seniors because if you are just looking to have some extra help paying for funeral expenses, you can purchase as little as $2,500 in coverage. On the other hand, if you are the primary breadwinner in your home and would like to leave a financial cushion behind for your loved ones, you can purchase up to $250,000 in coverage.

What’s even more exciting about this policy is that applicants under 50 don’t need to participate in a medical exam if they only need $100,000 in coverage.

The Infinite Life policy also builds cash value, so if you need funds to replace your roof or start a business, you can take out a Boston Mutual Life Insurance cash value loan from your policy instead of from a bank. In addition to this cash accumulation, you could receive dividends from the company with this policy.

Legacy Life Select

The Legacy Life Select plan is specifically designed for federal, state, and municipal employees. You can apply for this policy until age 80 and purchase up to $250,000 in coverage. Like the Infinite Life plan, you can build cash value with this policy.

This policy characteristic means that you can use the Boston Mutual Life insurance cash-out feature to use these funds in whatever manner you would like, whether that’s putting money towards your child’s soccer league or buying a new car. You also won’t need to partake in a medical exam if you only need to purchase $100,000 in coverage. Applicants can also choose to purchase riders like an accidental death benefit or a payer waiver for a premium.

Legacy Life Express

You can purchase up to $250,000 in coverage and build cash value with the Legacy Life Express. You can buy up to $250,000 in coverage, and you can also purchase an accelerated benefit option rider or a children’s term rider. Plus, you can take out a Boston Mutual Life Insurance loan if you need a cash injection right away.

Does Boston Mutual Life Insurance Company offer competitive rates?

Unfortunately, you can’t get a quote online from Boston Mutual Life Insurance, so you’ll need to reach out to a Boston Mutual representative for a quote. Once you have that quote, though, you can shop online to get quotes from other insurance companies. Shopping online also allows you to efficiently scour the insurance marketplace to compare quotes side-by-side and determine which one best suits your needs.

If you’re not sure if permanent coverage is right for you, you can use this chart to help you conduct a cost-benefit analysis:

Pros and Cons of Permanent Life Insurance

Pros of Permanent Life InsuranceCons of Permanent Life Insurance
- Cash value accumulation that you can use for emergencies, large purchases, and more
- Flexible premium payments
- Tax benefits, such as tax-free death benefit and tax-deferred cash value accumulation
- More expensive than term life insurance
- Your policy could lapse and rates could be higher to restart coverage
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As illustrated above, permanent life insurance does tend to be more expensive than term life insurance policies, so you should keep that in mind as you shop around for a policy.

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What You Need to Know About Boston Mutual Life Insurance Company

The Boston Mutual Life Insurance Company has been in business for over 100 years and is a great choice for anyone who wants life insurance without going through the hassle of a medical exam. Bear in mind that you won’t be able to purchase any term life policies through this company, and these policies tend to be less expensive.

However, if you are looking for a policy that can build cash value and earn you dividends, the Boston Mutual Life Insurance Company could be right for you.