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Call us for a variety of
INDIVIDUAL and GROUP insurance products offered by
TOP RATED CARRIERS:
Life Insurance
Products
- Whole Life Insurance
- Term Life Insurance
- Variable Life Products
- Accidental Death and Dismemberment
- Travel Life Insurance
- Accelerated Benefits Option**
**Accelerated Benefits
can be an option on some life insurance policies if you become
terminally ill, have a major organ transplant, or are confined to a
nursing home. Contact us for more details on this important option.
Disability
Insurance - Individual and Group
- Long Term Disability
- Short Term Disability
Health Insurance
- Group Health Insurance
- Group Dental Care
- Group Vision Care
Long Term Care
Long term care is the
assistance individuals need when they are unable to care for themselves
and need help with activities of Daily Living (ADLs)- bathing,
dressing, transferring, toileting, continence and eating- or have
severe cognitive impairment. The need for long term care can result
from an accident, chronic illness or other disability or from advancing
age.
Long term care insurance is a disability
based product that helps to offset the high cost of nursing home care
or professional home care. The average cost of a year in a nursing
home is $40,000., it is even higher in Massachusetts.
Annuities
An annuity is an investment
vehicle that affords periodic income payments for a fixed period of
time or during the lifetime of a person who is called the annuitant.
The annuitant pays either a lump sum premium or a set amount on a
regular basis to the insurance company. Payments begin or annuitize
when the annuitant decides. There are several types of annuities:
- Immediate Annuity- payments begin
one, three, six, or twelve months after purchase.
- Deferred Annuity- payments begin more
than one year after the payment of the first (or single) premium to
the insurance company, usually at a selected retirement age.
- Fixed Annuity- this type of annuity
has guaranteed rates of return by the insurance company. Although
the rates may not be as attractive, you are not exposed to the ups
and downs of the stock market.
- Variable Annuity- this is a deferred
annuity whose performance is determined by the stock market or other
equity based investments. This allows for more growth of your
premium dollars but also has more risk.
Group Life
This type of insurance
usually covers employees in a company. The amount is traditionally set
by the employer and can be increased by multiples of the employees'
salary. It is usually coupled with Accidental Death and Dismemberment
insurance. |
