NETWORK WITH US

Life Insurance Providers Amesbury MA

Life insurance is a type of insurance in which an insurer agrees to pay out a sum of money when the insured dies. This money goes to your beneficiaries who are predetermined by you. Beneficiaries tend to be the individuals who depended on the income you do/will generate. The younger you are when you get life insurance the cheaper the insurance premiums are and sometimes you can even lock in rates. Please scroll down for more information and access to the life insurance agents in Amesbury, MA listed below that can explain more.

Mr. Zachary M. Longley (RFC®), CSA, MBA
(978) 465-1483
37 1/2 Forrester Street
Newburyport, MA
Company
Northeast Planning Associates
Qualifications
Education: BS, MBA
Years of Experience: 18
Membership
IARFC
Services
Invoice, Estate Planning, Retirement Planning, Medicaid Planning, Mutual Funds, Annuities, Life Insurance, Long Term Care Insurance, Charitable Planning, Education Plan, Asset Protection

Data Provided By:
Mr. Jeffrey N. Tomaneng (RFC®), CFP, CHFC, CLU, CSA
(781) 647-3050
51 Sawyer Road, Suite 210
Waltham, MA
Company
Lincoln Investment Planning, Inc.
Qualifications
Education: BS
Years of Experience: 19
Membership
IARFC, FPA, SCSA, SFSP, NAIFA
Services
Invoice, Portfolio Management, Retirement Planning, Seminars Work, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Group Insurance, BuySell, Compensation Plans

Data Provided By:
Alfred G. Salvato (RFC®), CFP, LUTCF
(781) 652-0359
15 Muzzey Street
Lexington, MA
Company
FSC Securities Corp.
Qualifications
Education: BA
Years of Experience: 16
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Group Insurance, Charitable Planning, Education Plan, Asset Protection, Compensation Plans

Data Provided By:
Mr. Gregg C. Parker (RFC®), CLU, LUTCF
(508) 234-3439
174 Church Street
Whitinsville, MA
Company
Robert A. Parker Insurance & Financial Services
Qualifications
Education: Nichols College, Dudley MA, Bachelor of Science - Entrepreneurship & Small Business Management, Cum Laude
Years of Experience: 13
Membership
IARFC, MDRT, NAIFA
Services
Invoice, Estate Planning, Business Planning, Pension Planning, Executive Compensation Planning, Retirement Planning, Employee Benefits, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Auto Home Insurance, Charitable Planning, BuySell, LiabCover, Compensation Plans

Data Provided By:
Mr. Kenneth J. McGuire (RFC®), LUTCF
(508) 775-1700
349 Main St, Unit C
West Yarmouth, MA
Company
McGuire Financial Services, Inc.
Qualifications
Years of Experience: 23
Membership
IARFC, FPA
Services
Invoice, Estate Planning, Portfolio Management, Retirement Planning, Medicaid Planning, Seminars Work, Annuities, Life Insurance, Long Term Care Insurance, Asset Protection

Data Provided By:
Norman G. Howarth (RFC®), CSA
(978) 468-2881
164 Bay Road
South Hamilton, MA
Company
NGH Financial
Qualifications
Education: BA
Years of Experience: 28
Membership
IARFC, MDRT, FPA, NAIFA
Services
Invoice, Portfolio Management, Retirement Planning, Seminars Work, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance

Data Provided By:
Mr. Zachary M. Longley (RFC®), CSA, MBA
(978) 465-1483
37 1/2 Forrester Street
Newburyport, MA
Company
Northeast Planning Associates
Qualifications
Education: BS, MBA
Years of Experience: 18
Membership
IARFC
Services
Invoice, Estate Planning, Retirement Planning, Medicaid Planning, Mutual Funds, Annuities, Life Insurance, Long Term Care Insurance, Charitable Planning, Education Plan, Asset Protection

Data Provided By:
Ms. Marilyn M. Sanford (RFC®), EA, MBA
(978) 677-6511
218 Ames Hill Dr
Tewksbury, MA
Company
Ames Pond Tax & Financial Planning
Qualifications
Education: BA; MBA; Certificate in Financial Planning; Series 6, 7, 63 & 65 licenses; Mass Life, Health Insurance & Variable Annuities Licenses
Years of Experience: 13
Membership
IARFC
Services
Invoice, Retirement Planning, Tax Planning, Tax Returns, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Medical Insurance, Education Plan

Data Provided By:
Norman G. Howarth (RFC®), CSA
(978) 468-2881
164 Bay Road
South Hamilton, MA
Company
NGH Financial
Qualifications
Education: BA
Years of Experience: 28
Membership
IARFC, MDRT, FPA, NAIFA
Services
Invoice, Portfolio Management, Retirement Planning, Seminars Work, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance

Data Provided By:
Mr. John J. Barry (RFC®)
(508) 660-9166
1510 Washington St
Walpole, MA
Company
Barry Financial Advisors
Qualifications
Education: Suffolk UniversityBoston, MassachusettsBachelor of Science - Government
Years of Experience: 8
Membership
IARFC
Services
Invoice, Estate Planning, Portfolio Management, Pension Planning, Retirement Planning, Tax Planning, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Charitable Planning, Education Plan, Asset Protection, Compensation Plans

Data Provided By:
Data Provided By:

Understanding Life Insurance

By Joan Mitchell

When your employer breaks out the big box o’ benefits, you may be surprised to see that life insurance is on the table. If you’re like me, you probably thought that life insurance was only for wealthy fat cats and rednecks who want to fake their own death, collect on their policy, and escape to Mexico with their wife (who’s also their aunt). But while the vast majority of recent grads might think that they don’t need a life insurance policy, it’s not a completely cut-and-dry issue. Life insurance—like all insurance—can get pretty complicated, but we’ll try to cut straight to the chase: What is life insurance and what are the pros and cons for a twentysomething?

What Is Life Insurance

Simply put, life insurance is a type of insurance in which an insurer (e.g., State Farm) agrees to pay out a sum of money when the insured (e.g., you) dies. This money goes your beneficiaries who are predetermined by you. Beneficiaries tend to be the individuals who depended on the income you do/will generate. Long story short: if you are worried that if you die unexpectedly that any of your loved ones will be worse off financially, you should consider purchasing life insurance.

If your employer is serving you a policy on a silver platter (i.e., no extra monthly/yearly fees attached), then you should certainly jump on it. Even if they ask for you to slightly subsidize it (e.g., $10/month), still opt in. However, even if that small subsidy is too large for your current economic situation or your company isn't providing you with health insurance (and you're on your own), we ask that you still read on and consider acquiring a life insurance policy.

Deciding Whether or Not You Want Life Insurance

From a recent grad’s perspective, the pros and cons of purchasing life insurance are relatively straight-forward.

Reasons You Might Want Life Insurance

  • To take care of your spouse/kids/parents. If you have kids or you’re married and your spouse would be severely hurt financially by your passing, you need to look into life insurance, which will provide them with cash when you die. This should help soften the economic blow of your passing. Note: Even if you're single, your beneficiary could be your mom, granddad, sister, etc.
  • To Ensure Your “Insurability.” The people who underwrite insurance policies take into account a vast range of variables when calculating premium rates and determining your “insurability”—basically, how much of a risk the insurance company is taking on by insuring you. So if you have cancer or you’re a professional stuntman, you’re far less insurable than a healthy 23-year-old who works in advertising. Thus, most recent grads are highly insurable. This means two things: (1) you can pay relatively low premiums, and (2) getting life insurance now guarantees that the provider must continue to insure you as long as you keep up with your annual premium payments.
  • To Leave a Clean Slate. Morbid...

Click here to read the rest of this article from Gradspot.com

©2010 Gradspot LLC