Massachusetts Life Insurance
- Life (Term / Whole / Universal Life)
- Long Term Care / Nursing
- Disability Income
- Estate Planning
- Group Health / Dental
Our agency has an affiliation with a large brokerage that has access to over 100 life insurance companies. There are many different types of life policies.
Term insurance covers you for a “short” period of time such as 5, 10, 15, 20, 30 years. Whole life is a life insurance policy which is guaranteed to remain in force for the insured’s entire lifetime, provided required premiums are paid, or to the maturity date. Premiums are fixed, based on the age of issue, and usually do not increase with age. Normally you pay premiums until death, except for limited pay policies, which may be paid-up in 10 years, 20 years, or at age 65. Also, sometimes called “straight life,” or “ordinary life.” Whole life insurance belongs to the cash value category of life insurance, which also includes universal life, variable life, and endowment policies. Let us design a policy that suits your individual needs.
Long Term Care / Nursing Home Insurance
Unlike traditional health insurance, Long Term Care (LTC) is designed to cover long-term services and supports, including personal and in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, and where you need them. Let us design a policy that suits your individual needs.
Disability Income Insurance
Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary’s earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits (STD), and long-term disability benefits. Statistics show that in the US a disabling accident occurs on average once every second. In fact, nearly 18.5% of Americans are currently living with a disability, and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement. We sell either individual or group disability products.
Group Health / Dental / Life
We work with several brokers that have access to most of the large carriers that write group health insurance. Some of them include: Blue Cross / Blue Shield, Harvard Pilgrim, Tufts, United Healthcare & many more. We also have an affiliation with Aflac. The people we work with are some of the best in the industry. Send your companies census to us so we can get you a competitive quote.
We work with several financial planners and estate planners to get you and your family the appropriate program to secure your future financial stability. Call to set up an appointment.