Insurance Services
Life Insurance falls into two overall categories.
The first is Term Insurance, which offers lower premiums and protection for a limited time period. The second is Permanent Insurance, which requires higher premiums and offers cash values and death benefit protection that can continue throughout the insured’s lifetime. Guarantees, coverage periods, features and riders vary widely among all policies. The variation is greatest among permanent policies.

Among permanent products, Universal Life (UL) provides flexible premiums with relatively minimal guarantees. In some cases, UL policies offer supplemental guarantees, which can guarantee death benefit protection even after cash values expire. Adjustable Life policies offer varying guarantees based on the premium level. Whole Life policies (WL) provide lifetime guarantees for higher premiums. Whole Life premiums can be reduced by blending the Whole Life policy with a Term Rider or by using a modified premium structure (blended premiums). In either approach, some level of guarantee is sacrificed to obtain lower premiums.
Due to this wide variance in structure, options, riders, guarantees and assumptions, a premium or illustration comparison alone could be an inadequate and potentially misleading basis for comparison of life insurance policies.
As an estate planner, from time to time, I recommend insurance as a solution to solve a client’s problem. Being able to turn to John Williams for the product, which is in the client’s best interest, has allowed me to sleep nights. John has never disappointed me or my clients with an insurance product recommendation.
Insurance Services with CFG
Acorns to Mighty Oaks™
Acorns To Mighty Oaks™ is a proven process that…
Term Life Insurance
Term Insurance is life insurance you can…
Long-Term Disability Insurance
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Life Insurance
Life Insurance Policy Management
We continuously monitor your life insurance to ensure that it’s always…
Life Insurance Settlements
Do you have a life insurance policy you no longer want or need? If so, we…
Long-Term Care Insurance
Underwriting Advocacy for Trustees and Private Clients
We can get you the best insurance for the best price, based on your…
Contact us
62 Walnut Street
Wellesley, MA 02481
Phone: 781.237.0123
Fax: 781.237.1696
E-mail: info@capformgroup.com