Life insurance planning & management.
Built for Mainers, by Mainers.
411 Congress Street
Portland, ME 04101
207-550-7553
Cobscook Financial is a privately held firm trusted by professionals, families, and business owners who value long-term planning and clear advice.
Founded by a Maine native with a background in institutional finance and personal advisory, we design advanced life and mortgage strategies that evolve with client goals and priorities. Every engagement is built intentionally — with simplicity, trust, and accountability at the core.
We work 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
-
Reliable strategies to preserve, grow, and distribute wealth in retirement. Specializing in Fixed and Fixed Indexed Annuities.
Can provide guaranteed income you can’t outlive
Tax-deferred growth
Personalized plans based on your retirement timeline