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Boston Red Sox Tickets- Raffle

[ 0 ] May 4, 2012

Dear Friends,

This is a fun one!

Everyone hates the Yankees, right? Even if you don’t, this is still fun.

Here is a chance to score a pair of Boston Red Sox tickets playing those dastardly Yankees (dastardly, I say) and help the Scottish Rite division of Vermont Masons help others.

Currently, our primary sponsored charities are: ‘Feed the 1000’’s; the ‘Warm Hands, Warm Heart Winter Clothing Project’; and the ‘Camp for Kids Program’.

We are happy to support this raffle for 2 tickets- July 8th at Fenway Park!

CLICK HERE TO GET STARTED

CLICK HERE TO VIEW OUR FLYER

Your support is greatly appreciated and will go a long way with these projects.

Thank you,

Robert Fagge

P.S       If you want to learn more about these programs; just e-mail me

Campbell & Boyd

Campbell & Boyd
20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
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Travelers Insurance-Soapbox Car (Dog Commercial)

[ 0 ] March 23, 2012

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Common Misconceptions about Disability Insurance!

[ 0 ] March 19, 2012

Campbell & Boyd Insurance Do you have all the relevant facts you need to make a wise decision about disability insurance? Many people assume they have all the information necessary to make up their minds regarding this type of insurance, but this isn’t always the case. Don’t wait until you’re facing a long term disability to learn what “they” don’t tell you about disability insurance.

Here are Some Common Misconceptions about Disability Insurance:

Misconception #1: It’s not difficult to qualify for disability insurance benefits.

Fact: Fewer than 35% of the people who apply for social security disability benefits are approved.

Misconception #2: Everyone who works qualifies for social security benefits following a disability.

Fact: In order to be eligible for disability benefits, you must have worked at least 10 years in a job in which you paid into the social security system.

Misconception #3: Social security provides sufficient disability coverage.

Fact: The average social security disability insurance benefit, for those who are approved, is $722 per month.

Misconception #4: Employer-paid group disability policies are preferable to individual policies.

Fact: There are many drawbacks associated with employer-paid disability insurance, including the facts that coverage can be lost upon separation from employment and benefits received are taxable as income.

Misconception #5: All long-term disability insurance policies are essentially the same.

Fact: There are many significant differences amongst disability insurance policies, including the waiting period, length of benefits, and how disability is defined.

Misconception #6: Disability insurance isn’t as important as life insurance.

Fact: While life insurance is quite important, it’s not accurate to say that it matters more than disability coverage. It’s a fact that a 42-year-old adult is four times more likely to experience a disability during his or her working years than to die during the same time frame.

To get a quote for disability insurance contact Campbell & Boyd!

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CAMPBELL & BOYD

20 Technology Dr, Ste 4

PO Box 1260

Brattleboro, VT 05302

tel:  802-257-9500

email: ddboyd@campbell-boyd.com

 

 

 

 

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Contract Litigation Insurance

[ 0 ] February 27, 2012

Campbell & Boyd CLICampbell & Boyd is proud to introduce a new product, Contract Litigation Insurance.

Contract Litigation Insurance (CLI), lets you avoid the risk of paying the adversary’s attorney’s fees in contract litigation. Often contracts contain a “fee shifting” or “prevailing party” provision, stating that the winning party is entitled to recover their attorney’s fees (and other costs) from the loser. CLI is available to both plaintiffs and defendants who wish to manage their litigation risks arising from such provisions.

Financial Risk for Litigants

Contract Litigation is a risky business. Trial outcomes for litigation involving contract disputes can be unpredictable and the proceedings are often complex. And just because you think you’re right doesn’t mean you’re going to win. In fact, the Bureau of Justice Statistics has found that 33 percent of plaintiffs and 66 percent of defendants lose their contract disputes at trial. More often than not, what starts as a clear-cut case is soon up for grabs, accompanied by mounting legal fees.

The financial risk is only heightened when there’s also the possibility of having to pay your adversary’s attorneys’ fees, should you lose the case. Contract Litigation Insurance (CLI) is a first-of-its-kind program, specifically designed to protect litigants from having to pay their adversary’s attorneys’ fees as a result of a fee shifting provision in a contract dispute. Underwritten by Zurich, an A+ A.M. Best*carrier, CLI removes much of the uncertainty from litigation, allowing litigants to feel more secure about their risk, while supporting an attorney’s desire and professional responsibility to protect clients from financial exposure.

Contact Campbell & Boyd now for all your needs!

CAMPBELL & BOYD

20 Technology Dr, Ste 4

PO Box 1260

Brattleboro, VT 05302

tel:  802-257-9500

email: ddboyd@campbell-boyd.com

 

 

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PROTECTING A HOME FROM MOLD

[ 0 ] February 22, 2012

Campbell & BoydReduce Humidity Level. It’s best to keep the humidity level between 30% and 60% by utilizing dehumidifiers and air conditioners. Be sure to place exhaust fans in all bathrooms and kitchens. If carpet is desired, avoid installing it in bathrooms or kitchens. It’s best to have carpet only in rooms that aren’t exposed to moisture on a regular basis. Another important thing to remember is to avoid letting water pool and collect under house plants.

Check & Replace Hoses. Be sure to regularly inspect pipes, fittings and hoses. It’s best to replace hoses to appliances that use water every five years. At about $5 or $10 per piece, the cost of replacing hoses is much less expensive than dealing with a major mold problem.

Use Mold-Reducing Products. Clean all bathrooms in the home with bleach and water regularly. There are also several other cleaning products available that are designed to kill mold. It’s a good idea to add mold inhibitors to paint before applying it to the walls or doors.

Exercise Caution after Water Damage. If at any time a large amount of water comes into contact with the home’s interior, it’s important to ensure that carpets, upholstery and any other surfaces that hold water are dried thoroughly and promptly. Everything should completely dry within 24 to 48 hours following the initial water contact. Items that can’t be dried should be discarded. If there is standing water, remove it promptly. In addition to promoting mold growth, standing water is a prime breeding ground for microorganisms. After all areas have been dried, wash and disinfect them well. This includes the surfaces of appliances, closets, walls, shelves, floors, heating systems and cooling systems.

Check the Roof & Gutters. Another way to prevent mold is to check the roof and gutters frequently. Clear the gutters of any debris. If there are any leaks in the roof, have them repaired immediately to avoid water seeping into the home.

Come connect with us on Facebook or LinkedIn.

CAMPBELL & BOYD

20 Technology Dr, Ste 4

PO Box 1260

Brattleboro, VT 05302

tel:  802-257-9500

email: ddboyd@campbell-boyd.com

 

 

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Do I need to purchase an Annuity?

[ 0 ] February 15, 2012
Campbell & Boyd InsuranceEven if you have been saving money for life after Retirement, it may not be enough.

With Annuities, you are able to stabilize your savings in such a way that it converts into financial security.

Let’s face the facts:

  • Security may not be enough to take care of your money needs.
  • Contributions made by employer sponsored retirement plans may be very limited.
  • You want to have the benefit of knowing that a certain amount of income will come to you every month.
  • You want to be relieved knowing that your monetary needs will be looked after for as long as you live.

Annuities offer much flexibility so that you can decide the nature and scope of investment that you want to make, in lieu of your long term requirements.

Come connect with us on Facebook or LinkedIn.

CAMPBELL & BOYD

20 Technology Dr, Ste 4

PO Box 1260

Brattleboro, VT 05302

tel:  802-257-9500

email: ddboyd@campbell-boyd.com

 

 

 

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How Annuities Work

[ 0 ] January 13, 2012

Campbell & BoydThe simplest way to explain how annuities work is to describe them as an investment security that you pay money in to for a set period of time, and once you reach a certain date you start to receive regular payments for a set period of time, often times for the rest of your life. Investors, especially those who are very risk averse, like annuities because they provide a steady stream of income and unlike stocks, bonds, mutual funds and other common investment options, annuities are guaranteed.

The amount of time you pay in to the annuity can vary anywhere from a onetime payment (think lottery winner or someone who just received a big inheritance) to many smaller payments over a long period of time. This will vary largely on the amount of the annuity and when you intend to start receiving payments. For example, if you start paying in to an annuity when you were in your 20s but don’t intend on taking payments until you retire, you will likely have many small payments, however if you waited to start when you were in your late 50s, you will need to pay more each month over a shorter period of time. Annuities provide a nice supplement (or primary income) especially for those who think social security might not be enough for retirement.

Annuities offer much flexibility so that you can decide the nature and scope of investment that you want to make, in lieu of your long term requirements.

Campbell and Boyd

20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302

tel: 802-257-9500

 

 

 

 

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[ 0 ] December 30, 2011

Campbell & Boyd is a premier business insurance broker dedicated to finding you the right insurance for all your business’ needs. Whether it is group benefits or general liability, we are here to help. Our experienced staff of insurance professionals will walk you through the insurance buying process, so you can feel secure knowing your business is protected.

 

Contact us today for more information on business insurance.

 

 

CAMPBELL & BOYD

20 Technology Dr, Ste 4

PO Box 1260

Brattleboro, VT 05302

tel:  802-257-9500

email: ddboyd@campbell-boyd.com

 

 

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Jennifer Prodouz

[ 0 ] December 23, 2011

Campbell & BoydJennifer has been into Campbell & Boyd Insurance Services since September of 2003. She joined as a licensed personal Lines Agent for both Vermont and New Hampshire clients. She recently has been selected to assume the offices Administrative Duties, a vital position of coordination and management.

She is the very proud mother of two wonderful sons. She is an avid Red Sox fan. In her free time, she enjoys spending time with her family, reading, and is very active at her son’s elementary school and with the Humane Society.

The past several years have been both rewarding and challenging for Jennifer. She enjoys her clientele and has numerous friends both as clients and throughout the community. She said “I am looking forward to making many more (friends) in the years to come.”

If you want to learn more about the people of Campbell-Boyd Insurance, click the link to be directed to our website.

CAMPBELL & BOYD

20 Technology Dr, Ste 4

PO Box 1260

Brattleboro, VT 05302

tel:  802-257-9500

email: ddboyd@campbell-boyd.com

 

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Life isn’t about finding yourself. Life is about creating yourself.

[ 0 ] November 30, 2011

Campbell & BoydYes! Life may have ups and downs; you cannot find peace by avoiding life. It is in our hand to make things smooth for ourselves at situation to go on in life. How can we make things smooth despite of crisis? Here comes tips such as being optimistic, being cool, being good. In terms of economical crisis tips like insuring for life, auto, business helps you to be cool. Campbell and Boyd Insurance Services, Inc shoulders your sorrows. Life Insurance protection is going to be one of the most important kinds of coverage that you ever purchase, and that is why it is essential that you put the proper amount of time into finding a policy that will give your beneficiaries the right amount of protection, but will come with a premium that you can afford.

 

For many, the knee-jerk reaction when searching for the cheapest possible life insurance protection is to purchase a plan that is going to come with a smaller face value. The face value of your policy is the amount of money that the insurer will pay towards the beneficiaries when they submit a claim. People who purchase a smaller amount of protection with a smaller face value are going to find that they will get cheaper prices. However, these individuals may be sacrificing coverage that their family is going to need. There are better and more secure ways to save some money on your life insurance protection.

 

When looking for the best and most affordable life insurance protection, you will want to look at the different kinds of policies that are offered. While some people are going to want to purchase a term plan that will come with low rates to begin with, others are going to be searching for whole life insurance that will come with an investment potential and will last their entire lifetime.  Whatever may be your need Campbell and Boyd Insurance Services, Inc offers you the best coverage of Life Insurance you need to protect you, and your loved ones at the time of crisis and even at the time your loss.

 

CAMPBELL & BOYD

20 Technology Dr, Ste 4

PO Box 1260

Brattleboro, VT 05302

tel:  802-257-9500

email: ddboyd@campbell-boyd.com

 

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