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Facts About Life Insurance
After your children are grown, and if you’ve been lucky enough to hang onto and grow some of the money you’ve made, you can finally think beyond your immediately needs. Having a financial plan — a strategy for reaching your financial goals — is the key, to building wealth and being prepared to put a plan into action at the end of your life.
One of the tools that you can use in financial planning is life insurance. In younger years, buying the cheapest life insurance possible is one way to ensure that your family can replace your income if you die. Younger people usually focus on less-expensive “term” life insurance, buying as much coverage as possible for a specific time — 15 years, say.
Once there’s additional money, your financial plan can also benefit from another type of insurance called permanent life insurance.
The basic types of life insurance are:
Whole life insurance – Whole life is the simplest form of coverage. Policyholders enjoy lifelong insurance protection, guaranteed consistent premiums, a death benefit, and a cash value option. It also means that you can borrow or withdraw from the cash value portion of your policy whenever you like.
Variable life insurance – It offers many investment opportunities and flexible terms. The most unique feature of variable life insurance policies is that they allow the insured to adjust, to an extent, the policy’s death benefit as well as the size and timing of the premiums.
Universal life insurance – Universal life can offer inexpensive, guaranteed protection with optimal flexibility. With universal life insurance policies, you have the ability to change your premiums and death benefit within limits. You can also choose to grow the policy’s cash value or pay cheaper premiums in order to concentrate on your guaranteed death benefit.
Deployed strategically in a financial plan, permanent life insurance can provide many benefits. Through careful financial planning, life insurance can help you accomplish things in death that you could not accomplish in life. If you’ve been unable, for example, to be the philanthropist you wished, you can name an institution, a group or a school as a beneficiary of your insurance policy.
Whether you’re just starting to save for retirement, well on your way to retiring or are already retired, Campbell & Boyd can provide you the retirement planning services you need to navigate the retirement planning process. Contact Campbell & Boyd now and follow us on Facebook.
20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
email: ddboyd@campbell-boyd.com
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.
20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
email: ddboyd@campbell-boyd.com
Preparing for the Big Shake, Get covered
Property risks have had a number of challenges during the past few years; however, one exposure that continues to present problems in this tight insurance market is earthquake. Many people feel there’s little they can do to mitigate earthquake risk. Not true! Basically, any Homeowner can take a risk management approach to an earthquake exposure by following these five steps:
1. Understand the risks — much work has been done recently to try to determine the probability of earth-quakes. The U.S. Geologic Survey website has a significant amount of data on information on earthquake probability estimates for most areas of the country.
2. Assess the acceptability of the risks — determine the economic loss associated with these risks.
3. Evaluate alternatives — review the alternatives to mitigate the risks. One of the most important alternatives will be adequate insurance.
4. Select the appropriate alternatives— since deductibles might be high, you might have to implement a loss mitigation strategy to reduce the severity potential.
5. Implement the chosen alternative(s) — purchase insurance as appropriate and coordinate physical changes with other management programs. Although insurance coverage for earthquake exposures has generally increased in cost, Cambell and Boyd can help you evaluate your alternatives.
20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
email: ddboyd@campbell-boyd.com
Benefits of group Life insurance
As an employer, it is essential to reward your employees with group life insurance for their contribution to your business success. Many insurance companies have various policies that can benefit you and your company. By gathering a multitude of group life insurance quotes, you can decide on the most affordable and convenient policy that satisfies your employees’ wants and needs while still maintaining a positive work environment. A type of life insurance, group life insurance is a policy that covers a large group of people under one contract. In most cases, the policy owner is an employer and the policy insures the employees of the organization. While it may not always be the case, group life insurance is often provided as part of a benefit package and is much cheaper than an individual policy.
Group life insurance provides several benefits to both the employer and employee, making the decision to invest in a policy a no-brainer:
- Employer Advantages:
- Federal income-tax deductible premiums
- Desirable benefit to offer newly-hired employees
- Strengthens employee loyalty and self-confidence
- Reduced employee turnover, saving you money in hiring and training
- Advantages:
- Premium life insurance at an affordable rate
- Ability to name beneficiary
Strengthens security and morale
20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
email: ddboyd@campbell-boyd.com
Funny Travelers insurance commercial
Choosing a professional insurance agent to prepare an Insurance policy for you is a wise choice. Contact Campbell & Boyd today.or connect with us on Facebook and LinkedIn!
Campbell & Boyd
20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
Tel: 802-257-9500
email: ddboyd@campbell-boyd.com
Killington Music Festival
Now in its 29th season, the Killington Music Festival, a non-for-profit organization, is the only resident professional classical music organization in central Vermont. Each summer about 100 students gather at Killington from institutions such as the Juilliard School of Music, Boston Conservatory, The New England Conservatory, The Manhattan School of Music, Peabody Conservatory, Eastman School of Music and the University of Arizona.
These musicians come to the area to play chamber music and to teach string students. Performances by the faculty and invited guest artists have made the Festival a mainstay of summer culture in the region. The young musicians who attend the Killington Residency Program are graduate, college and talented high school students. Many of our students, as well as many alumni, are members of chamber groups and orchestras in the United States as well as in other countries.
Vermont has a lot to offer, in that, Campbell-Boyd Insurance is a top asset of Vermont. If you want to learn more about Campbell-Boyd Insurance click the link and be directed to their website!
20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
email: customerservice@campbell-boyd.com
Who Is Lori Cornellier of Campbell-Boyd Insurance?
Lori, our newest member, has been at Campbell & Boyd since October of 2010. Along with her receptionist duties, she is hard at work studying to become a licensed Insurance Agent. Lori was born and reared in Brattleboro. She lives with her father, her husband Robert of 23 years, her son and daughter. Lori is an avowedsports enthusiast; she bowls and plays spirited womens softball. The only negative feature is that Lori is a huge Indianapolis Colts fan and this is in Patriots Country we love her anyways. “I love spending time with my daughter at her many, many competitive baton events.”
If you want to learn more about the people of Campbell-Boyd Insurance, click the link to be directed to their website!
20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
email: customerservice@campbell-boyd.com
