Life insurance planning.

Built coastal.

Portland, ME 04101
207-245-1984

NPN: 18498119

Cobscook Financial is a privately held portfolio trusted by professionals, families, and business owners who value long-term planning and clear advice.

We design advanced life insurance strategies that evolve with client goals and priorities. Every engagement is built intentionally with simplicity, trust, and accountability at the core.

Our digital portfolio works exclusively with national carriers rated A+ or higher to ensure every solution is backed by financial strength and built for longevity. Our approach is disciplined and deeply personal — because protecting what matters most shouldn’t feel transactional.

What We Offer

  • Coverage designed to safeguard your home and family if the unexpected happens.

    • Pays off your mortgage in the event of death

    • Optional riders for critical, chronic, or terminal illness

    • Tax-free benefit paid directly to your beneficiaries

    • Keep your family in the home without financial stress

    • Customizable coverage to match your mortgage balance

  • Affordable, straightforward protection for a set period of time.

    • Fixed premiums for 10, 20, or 30 years

    • High coverage at lower cost

    • Ideal for income replacement and debt protection

    • Convertible to permanent insurance later

    • Peace of mind during your highest-earning years

  • Lifelong protection with guaranteed benefits and cash value growth.

    • Coverage that lasts your entire life

    • Builds guaranteed cash value over time

    • Access to policy loans for major life needs

    • Premiums never increase

    • Tax-advantaged asset for legacy and wealth transfer

Ongoing oversight and management ensure each strategy stays aligned, responsive, and built to last.

A digital portfolio with coastal values.