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Frequently Asked Life Insurance Questions

Do I have time to think about my purchase?
Make sure you understand the policy before you buy it. But, you will also have at least ten days after the policy is delivered to you to return the policy. This is called a free look period. If you do this within ten days, the company will return all of the premiums you have paid.

Does my Annuity Have Other Benefits as Well as Income and a Death Benefit?
In addition to a retirement income, an annuity may have other benefits, such as an option to use the funds for nursing home costs. An annuity with additional benefits may qualify as a "two-tier" annuity.

How Much Will an Annuity Cost?
Some common factors include; the amount of the annuity you wish to buy, your age and gender, the payment option you have selected and any payment guarantees that are in your annuity. Variable annuities generally allow you great flexibility in how much money you choose to invest in your annuity. However, there may be minimum or maximum amounts you can contribute. The value of your annuity will be determined by how much you choose to invest and the performance of the investments you choose. osts of both fixed and variable annuities are also affected by the insurance company's administrative fees and expenses, including overhead, agent commissions and other costs of doing business.

What Kind of Life Insurance Should I Buy?
Not all life insurance policies are the same. There are four basic types of life insurance: Term Life Insurance, Whole Life Insurance, Universal Life Insurance, and Variable Life Insurance.

Will I need life insurance when I retire?
It depends on your individual financial circumstances. Social Security and some retirement plans available through employment cover burial costs and may provide a continuing income for dependents after a retiree's death. Some consumers are able to use the accelerated death benefit rider available in some life insurance policies to cover nursing home costs, but this will usually not provide the same amount of protection as long-term care insurance.

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phone: 781.447.5561
fax: 781.447.1246

293 Bedford Street
PO Box 228
Whitman MA 02382

Whitman, Massachusetts
phone: 781-447-5561
fax: 781-447-1246

175 Derby Street
Unit 2
Hingham Ma 02043

Hingham, Massachusetts

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