New Hampshire

From the Seacoast to the White Mountains, families across New Hampshire turn to Spicer Financial Group for clear, practical financial guidance. Whether you’re building a future in Manchester, settling down in Concord, or enjoying retirement in the quiet beauty of Portsmouth or Nashua, we’re here to help you protect what matters most and plan confidently for the years ahead.

Serving these areas, and more:

  • Manchester / Bedford / Merrimack

  • Nashua / Hudson / Southern NH

  • Portsmouth / Seacoast Region

  • Dover / Rochester / Somersworth

  • Keene / Southwestern NH

  • Concord / Bow

  • Laconia / Lakes Region

  • Lebanon / Hanover / Upper Valley

  • North Conway / White Mountains

 New Hampshire Life & Financial Protection FAQs

Life Insurance in New Hampshire

  • Employer coverage is a great start, but it’s often not enough to protect your family’s full financial picture. Your own policy gives you more control. You choose how much coverage you need, and it stays with you even if you change jobs.

  • Many New Hampshire families choose enough to replace several years of income, pay off the mortgage, and cover future needs like college or retirement. We’ll help you find the right balance for your goals.

  • New Hampshire offers a minimum 10-day “free look” period, giving you time to review and cancel a new policy for a full refund. Insurance companies are also required to handle claims promptly and communicate clearly about policy benefits and timelines.

Mortgage Protection in New Hampshire

  • It’s a life insurance policy designed to pay off your mortgage if something happens to you, helping your family stay in the home they love without added financial stress.

  • It’s completely optional. But for many homeowners, it’s a smart way to protect their biggest investment and ensure their loved ones are secure.

  • Yes! We’ll help you update your policy so it always matches your current mortgage balance and terms.

Estate & Legacy Planning in New Hampshire

  • Estate planning ensures your assets are protected and distributed according to your wishes. Legacy planning goes a step further — it’s about how you want to be remembered, through family support, charitable giving, or long-term financial impact.

  • Yes. Without one, the state decides who gets your assets. Having a will or trust gives your loved ones clarity and helps avoid delays or legal complications.

  • Life insurance provides immediate funds to cover taxes, debts, or final expenses, so your family doesn’t have to sell property or dip into savings during a difficult time.

  • Not at all! Every New Hampshire family benefits from a plan that protects their home, savings, and legacy.

Debt Protection in New Hampshire

  • Debt protection helps pay off credit cards, car loans, or other debts if you pass away or become disabled, protecting your family from unexpected financial burdens.

  • Not exactly. Life insurance provides broad coverage, while debt protection focuses on specific loans. Using both can give you complete peace of mind.

  • Anyone managing multiple loans or shared finances, especially single-income households or families with co-signed debt.

  • No. It’s optional, but it’s a smart addition for anyone who wants to make sure debt doesn’t become a family burden.

Income Protection in New Hampshire

  • It replaces part of your paycheck if you can’t work due to illness or injury, helping you keep up with bills and daily expenses while you recover.

  • Some do, but it’s often short-term or covers only part of your income. A private policy ensures you’re fully protected and your finances stay on track.

  • It depends on your plan. Some provide coverage for a few years, while others last until retirement. We’ll help you select the right one for your needs.

  • Usually not. Costs vary by job, health, and coverage level, but most families find it’s affordable, and well worth the financial security it brings.