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Life & Disability

Life Insurance

Personal. Business. Estate. We have coverage for your life, livelihood, and your future.

When purchasing Life insurance for personal needs you should consider debt, educational needs of your children (if applicable), the loss of income to your spouse and/or children, cost of day care for young children and funeral expenses.

Business owners have special Life insurance needs ranging from funding purchase and sale agreements, securing a loan from a bank, providing protection for a key person or providing deferred income to a key employee.

For estate planning, special types of policies such as Survivorship or Second To Die policies should be considered.

Many people believe that they must be in excellent health to qualify for life insurance. While your health may affect the price and availability of coverage, GHM represents carriers that specialize in Life insurance for individuals in most age ranges who are in perfect health as well as those in less than perfect health.

Term Life Insurance
Term Life insurance is typically the least expensive kind of Life insurance. You generally lock in rates for a pre-determined period of time such as 10, 15, 20 or 30 years. You can usually purchase as little as $25,000 of coverage, up to $5,000,000 or more.

Whole Life Insurance
Whole Life insurance is usually very conservative. Insurance carriers guarantee a level death benefit at a premium guaranteed for life. At any time during the life of the policy you can surrender the contract and receive a pre-determined amount of cash known as cash value.

Universal Life Insurance
Universal Life insurance is a combination of Term insurance and cash saving. Most policies have a guaranteed interest rate that will earn interest on the cash value of your policy but also provide the potential of a higher interest rate depending upon market conditions. Universal Life policies are very flexible and typically allow the owner of the policy to lower the face amount throughout the life of the contract.

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Disability Insurance

Disability Income Protection
Disability insurance is one of the most overlooked types of insurance. Insuring your possessions but not your ability to earn is a glaring and common omission. Disability insurance protects income and assures us that the financial aspect of our lives will be protected. Let our agents run a disability proposal for you today. 

Long Term Care Protection
Long Term Care insurance provides a source of funds to help pay for expenses related to nursing homes and assisted living facilities, in home help and other related expenses.

Learn More

T: 800-244-9046
F: 866-274-0005
51 Main Street
Waterville, Maine 04901
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Auburn, Maine 04210
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Need to Make a Claim?

Acadia Insurance
800-244-9446

Allstate
Report Online
800-255-7828

Dairyland Insurance
Auto: 800-225-1390
Cycle: 800-325-9559

Foremost Insurance Group
Report Online
800-527-3907

The Hanover Insurance Group
Report Online
800-628-0250

The Hartford
Report Online
800-243-5860
Business Insurance: 800-327-3636

Jewelers Mutual Insurance Company
Report Online
800-558-6411

MEMIC
Report Online
800-636-4292

MMG Insurance
888-343-0533 (M-F, 8:00-4:30)
888-869-8700 (after hours)

Patriot Insurance Company
Report Online
866-460-1776

Patrons Insurance
800-542-7032

Peerless Insurance
800-522-7152

Philadelphia Insurance Companies
800-873-4552

Progressive
Report Online
800-776-4737

Travelers
Report Online (Personal)
Personal Insurance: 800-252-4633
Report Online (Business)
Business Insurance: 800-832-7839

Union Mutual of Vermont
Report to GHM: 207-873-5101

Want to Pay a Bill?

Acadia Insurance 
Call GHM: 800-244-9046

Allstate
Pay Online
800-901-1732

Dairyland Insurance
Auto: Pay Online
Auto: 800-2334-0090
Cycle: Pay Online
Cycle: 866-324-7952

Foremost Insurance Group
Pay Online
800-532-4221

The Hanover Insurance Group
Pay Online
800-573-1187

The Hartford
Pay Online
800-624-5578

Jewelers Mutual Insurance Company
800-558-6411

MEMIC
Pay Online
800-660-1306

MMG Insurance
Pay Online
888-664-2455

Patriot Insurance Company
Personal: Pay Online
Business: Pay Online

Patrons Insurance
Pay Online
866-611-7887

Peerless Insurance
Pay Online
800-228-7830

Philadelphia Insurance Companies
Pay Online
877-438-7459

Progressive
Pay Online
800-776-4737

Travelers
Pay Online
800-842-5075

Union Mutual of Vermont
Pay Online

 

Frequently Requested Forms

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