You Don’t Buy Life Insurance Because you are Going to Die, but Because Those you Love are Going to Live.

-Unknown Author

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Life Insurance is an Act of Love...

The hardest part about buying life insurance is not knowing where to begin. The good news is that you took the first step by reading this page. We simplify the process by providing straight forward options.

Ask Yourself These Important Questions:

  1. Why do I want to buy life insurance?
    …new marriage, child, house, etc
  2. What length of time do I want the coverage?
    …while the kids are growing, for the term of my mortgage, for my working life, etc
  3. How much coverage should I buy?
    …enough to repay the mortgage, replace lost income, money for college, etc

Sample Scenarios

  • My spouse and I just bought a new house and took out a $250,000, 25 year mortgage
    …Now we know you may want a 25 year policy with up to $250,000 death benefit
  • We just got married and we both have student loan debt.
    …Now we know you at least want coverage for the amount of the student loans for the term of the loan.
  • You have been blessed with your first child
    … We now can discuss whether you want to cover debt, lost income, college, etc

Our life insurance products are “Term Life Insurance”. It is defined as life insurance that pays a benefit in the event of the death of the insured during a specified term. It is purchased for a specific amount of time, such as 10 year 20 year or 30 year term. During the term chosen, your cost will not change. For example, If you buy a 20 year term policy and it costs $450 annually, then you will pay the same amount of money each year for 20 years. At the end of 20 years your policy expires. You only pay for the insurance you want and for the amount of time that you want it. (This is much less expensive than “whole life” insurance , with “whole life” insurance, you pay each year for your entire lifetime and the premium increases each year as you age.)

I've been a customer of Gilbert J. Costa Insurance for 20 years and really appreciate all of the help and advice they have provided to me. They go above and beyond being an insurance agent. They treat customers like family and have their best interests in mind. Easy to contact and always knowledgeable and helpful, I highly recommend this agency.


East Freetown MA

Thank you so much for always taking great care of me! Your team at Gilbert J. Costa Insurance has always been wonderful to work with and I appreciate your expertise when it comes to helping me save money on all my personal and business policies. I highly recommend you to others for all their insurance needs.


Owner, Tia Maria’s European Café, New Bedford MA

Costa Insurance is like the 'Cheers' bar, where everyone knows your name. From the moment you walk in, you are greeted with the most sincere welcome. They are professional, dependable, and eager to assist you. It's wonderful in this day and age to still have a local community business where you are treated with the utmost customer service.


Acushnet MA

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Life is too Short and Sometimes gets you Down, so we Hope These old Quotes Bring a Smile to Your Face...

"Fun is like life insurance;
 the older you get,
the more it costs."

- Frank McKinney Hubbard
(1868 – 1930, American cartoonist, humorist, and journalist)

"Life is
 a sexually transmitted disease 
and the mortality rate is
 one hundred percent."

- Ronald David Laing
(1927 – 1989, Scottish psychiatrist)

All quotes curtesy of

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