Eli Harris, Life Insurance Broker
Eli Harris
Vellum & Sigil
Life Insurance Broker Licensed in MA, FL, ME, MI, NH and RI
4+ Years of Experience
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Hingham, MA
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About Me
Eli founded Vellum & Sigil with a straightforward belief: people deserve honest, clear guidance—not a high-pressure sales pitch.
His approach is built on consumer advocacy and clarity. Eli would always rather you walk away empowered with a solid understanding of your options than feel rushed into a policy that doesn't fit your budget or long-term goals. Bringing a broad background as an independent insurance advisor, notary public, and consumer advocate, he applies a practical, detail-oriented perspective to every client conversation.
Eli specializes in impaired-risk and high-risk life insurance—helping clients with pre-existing health conditions, past diagnoses, or unique lifestyle factors secure coverage with underwriters who understand their situation. He is also AHIP-certified to sell Medicare Advantage and Medicare Part D plans, helping clients navigate their options during Medicare's Annual Enrollment Period and beyond.
Learn more about impaired-risk coverage
Whether auditing an existing policy to prevent rate traps, structuring key-person protection and buy-sell funding for a business, or tailoring personal coverage for a household, Eli takes the time to listen, shop top-rated carriers, and explain every nuance in plain English. Outside of advising clients, he stays active in local community initiatives, follows regional industry developments, and enjoys creative pursuits including handicrafts, karaoke, and watercolor painting.
Q&A with Eli Harris
What is the most common mistake people make when buying life insurance?
Answer: Not shopping for the best fit and applying for the first product that comes to them. Any agent who recommends a particular product without ever asking you about your situation (goals, budget, and health profile) is fitting you to their product, not finding the best product for you. Working with an independent broker means they can do the shopping for you.
Can a life insurance agent also help me with health insurance?
Answer: It depends. States issue separate licenses for life insurance and health insurance. If your agent is licensed and appointed to sell health insurance, then they can. If you have a life agent you like, ask them if they can also assist with health coverage.
Why is my final life insurance rate higher than the quote I got online?
Answer: Online quotes are generic and make assumptions based on your entries. When you apply, the company assesses your health and financial profile and makes a final determination. Your rate can be more, less, or the same as the initial quote.
How do life insurance beneficiaries find out they are named on a policy?
Answer: Ideally, the policyholder informs them ahead of the need. I always recommend to clients that they keep a binder of important information, including final wishes; important documents such as wills, powers of attorney, and health care proxies; and a list or copies of insurance policies and beneficiary information. If the insured is alive, you can ask them. If they have passed, you can reach out to their agent, who may have information if the policy was purchased through them, or the National Association of Insurance Commissioners has a policy lookup tool as a last resort.
Can I get life insurance if I have a felony conviction or am on probation?
Answer: It's possible, though I would recommend you work with an experienced independent agent/broker/producer, as each carrier has different requirements.
For felonies, the time since conviction/release will become important, as recent felonies can be challenging to underwrite. Expect to have to explain the circumstances and what has changed. Many carriers will want there to have been a number of years since the final disposition of the case before entertaining a policy.
For probation, you will likely be denied since the case is still active. Most carriers will automatically decline applications if you are currently in jail, on probation/parole, or have pending (unresolved) charges. You *may* be able to get a guaranteed issue policy, but expect higher premiums and lower coverage amounts.
Should I get quotes from more than one life insurance agent, or is it better to work with just one?
Answer: This is a tricky question to answer. In earnest, insurance companies set the rates, not the agent, so there shouldn't be a difference in quotes from one agent to another if they both represent the same carriers.
That being said, it's important that you work with an agent or broker who is a good fit for you, and ideally is independent--allowing them to find the policy that makes the most sense for your particular situation and profile.
To that end, it's not a bad thing to speak to a couple different agents to get a feel for their style, level of service, etc.