Bay State Insurance Agency, Ltd. 
Securing Your Tomorrows Today With "Safe and Secure Financial Solutions"

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Life Insurance

                                                                                       THERE ARE NO "DO-OVERS

"You want your loved ones to have lives filled with happiness, comfort and opportunities, and you work very hard to make that happen. But what would happen to your family’s quality of life if you were suddenly gone and no longer able to provide for them? What would your legacy to them be? Would they be able to make ends meet financially with you no longer in the picture? Could they continue to live in your home? Would a college education be possible for your children? In short, would the legacy you leave be one of financial hardship or financial security? The choice is yours. Maybe you’ve been diligently saving money for many years and already have enough put away to guarantee a financially secure future for your loved ones. But if you’re like most people, you probably haven’t reached all of your long-term savings goals yet. That’s where life insurance comes in. When you’ve done the proper life insurance planning, you can rest easy knowing that your loved ones will be provided for after you’re gone.

There Are No “Do-Overs” . Life turns on a dime. You have no idea when you will “need” life insurance. That’s why it’s important to buy it as soon as a need arises. To figure out if you need life insurance, answer this one simple question: Would anyone who depends on you suffer financially if you were to die tomorrow? If the answer is “yes,” then you need life insurance. Perhaps you have been putting off buying life insurance, thinking it’s something you can do … later.

We can't guarantee that you will live, but we can guarantee that those who depend upon you will live the way you intended.  We can design a plan that will provide for their needs and fit into your budget.  We will "Secure Your Tomorrows Today" With Safe and Secure Financial Solutions.


For Our Free 14 Page "Lesson in Life Insurance", email us at
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"Securing Your Tomorrows Today"  With Safe and Secure Financial Solutions.


I met with a client the other day who wanted to do something very special for her granddaughter, Beth.  She wanted to make sure that Beth always had the opportunity to continue with the one thing she truly loved, the art of dance.  She had been taking dance lessons ever since she was a small child and now that she was a teenager her enthusiasm for dance had not changed. She was truly dedicated and her passion to dance was obvious by her expression and her interpretation of the music she danced to. The client was very proud of her granddaughter and to watch her dance was truly amazing.  The client said to dance had been a dream of her own as a young girl…a dream she was now sharing with her granddaughter.

The client had always contributed towards Beth’s dance lessons but wanted to insure that her granddaughter had the opportunity to continue if she were no longer there.  She wanted to leave her granddaughter a Legacy…the love of dance. 

We talked for a while and decided insuring her granddaughter’s love of dance could best be accomplished through life insurance.  There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance, the most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

Permanent insurance by contrast provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.  As for Beth’s grandmother…she chose permanent insurance.  She was planning to watch Beth dance for a long time.

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