Term Life
Straightforward protection for a defined period. Ideal for income replacement, mortgage coverage, and young families.
What we offer
The right coverage for every stage of life.
We work with top-rated carriers across the country to find policies that fit your budget, your family, and your goals.
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Whole Life
Permanent coverage with a guaranteed death benefit and a cash value component that grows over time.
Universal Life
Flexible premiums and adjustable death benefits that adapt as your financial picture changes.
Final Expense
Modest, affordable coverage designed to handle end-of-life costs without burdening your family.
Mortgage Protection
Coverage tied to your home loan balance — your family keeps the house if the unexpected happens.
Why independent
We work for you — not the carrier.
Captive agents can only offer one company's products. As an independent agency, we're contracted with dozens of top-rated carriers — which means we can shop the market on your behalf and present you with options, not a single take-it-or-leave-it quote.
Our advisors are compensated the same regardless of which policy you choose. That means our only incentive is finding the right fit for your family.
Large product portfolio
We offer a broad range of life insurance products so we can match the right coverage to your needs, budget, and health profile.
No-pressure advisory process
We educate first. You'll understand exactly what you're buying and why before we ever ask for a decision.
Maine-based, community-rooted
We live and work on the coast. Our clients are our neighbors — and we treat them that way.
Claims support when it matters
We stay with you through the life of your policy. If a claim ever needs to be filed, we help your family navigate it.
Client stories
What Maine families say.
The team at Casco Bay made the whole process feel simple. We had coverage in place within a week — and the premium was lower than I expected.
I called three agencies before Casco Bay. They were the only ones who actually explained the difference between policies instead of just selling me the most expensive one.
After my husband passed, the claims process was handled with such care. I cannot say enough about how they treated our family during that time.
Free, no-obligation
Ready to protect what matters most?
Get a personalized quote in minutes. No commitment, no pressure — just clear answers from an advisor who knows Maine.
Mon–Fri, 8am–6pm ET · Licensed in ME & NH · Independent & unbiased