Life Insurance and Health Insurance in Newton, Norfolk, Needham, Norwood, Dedhem, Wellesy and surrounding areas of MA
As money continues to get tighter for the average family, many “extras” are being cut to make room in the budget for the necessities. Life and health insurance might seem like an expense not needed when it is not being used, but it’s very for your financial security and general well-being to have this type of coverage.
The Importance of Life Insurance
Life insurance something you hope you never use, but still need. Your agent can show you how life insurance pays a benefit to your beneficiaries if you die while the coverage is in effect. The money can be used to pay for your funeral expenses, which average close to $10,000, and then it helps your beneficiaries to maintain their normal quality of life when they depend on your income.
If you are married and have children at home, your death would significantly affect your family. Not only would they be left paying the thousands of dollars resulting from your funeral, but they would also suddenly be without your income. They could lose their home, automobile, and other possessions, just trying to make ends meet.
If you have life insurance, we point out that your family will have a way to pay for your funeral expenses. They might also be able to pay off their mortgage, and then place the rest of the money into a fund to grow, allowing them to have income from the interest. Your life insurance policy would also ensure that your children are able to eventually attend college.
We can meet your needs for:
- Permanent Life
- Universal Life
- Whole Life
- Term Life
- Return of Premium Term Life (with this product all the premiums are returned to you at the end of the policy term)
- Fixed Annuities
- and more
Health / Medical Insurance
Health insurance is not cheap, and many people feel they can get by without having it. They believe they are going to be paying out of pocket for many of their medical bills, because most policies have deductibles and co-pays. Your health insurance agent will point out that, like life insurance, health insurance is one of those products that you do not realize the need for until it is too late.
Your recommended medical insurance agent can help with daily medical expenses, including checkups and vaccinations. Keep in mind that we can also recommend policies that will help with catastrophic illnesses or injuries. If you are diagnosed with cancer or another life-threatening illness, having health insurance is the only way to know for sure that you’ll be able to access the treatment that you need. Without health insurance, you will have to pay out of your own pocket for your treatment, and some hospitals and doctors will demand a portion of the payment upfront.
Health & Medical Options:
Coverage options include:
- Major Medical
- Disability Income Protection
- Health Savings Accounts
- Medicare Supplements
- Long Term Health Care
- Financial Planning
- Employee Benefits
- and more.