Monday, September 26, 2011

First Time Homebuyer Seminar

First Time Homebuyer Seminar

November, 8, 2011 6:00 pm to 8:30 pm

Make a well-informed decision when you buy your first home.
This seminar provides you the opportunity to get answers to your questions from professionals involved in the home buying process.
  • HarborOne Mortgage Originator, Donald Cross
  • Buyers Agent & Realtor, Kathy Doherty
  • Real Estate Attorney Roxanne Richard
  • Insurance Agent, Merideth Kaeppel
  • Tax Advisor, Jeffrey Schweitzer
A light dinner is Served.

Please visit the HarborOneU Website to reserve your spot - space is limited.

Wednesday, September 21, 2011

What a story!

Dorsey and Hattie Hoskins, twin sisters, lost their father when they were just toddlers. They are teens today and they’re still OK financially because of the smart life insurance planning their parents did. Such an amazing story!
NFS Business Briefs for September

Thursday, September 15, 2011

Thursday, September 8, 2011

Life Insurance: Why Do I Need It? What Does It Do?

So, why do you need life insurance?
What often comes to mind when thinking about life insurance is that you can use it to pay final expenses. You’ve seen the commercials: Funeral expenses, burial costs and medical bills can add up to a hefty amount. The last thing you want is for your loved ones to shoulder this extra burden. Life insurance can be used to plan for these final expenses. Permanent life insuranceis available in various amounts, so you can pick a death benefit that meets your needs.
But there are other considerations to keep in mind. You can use life insurance …
As mortgage protection. Whether you live by yourself, with a spouse or significant other, you may want to buy life insurance as mortgage protection. Think about it: You don’t want the person you live with to be homeless if you die unexpectedly, do you? Term life insurance can be used to pay off an outstanding mortgage balance. Just select a term that matches the length of your mortgage payment period. Some companies even offer decreasing term insurance, which means the death benefit decreases along with your mortgage balance.
For income replacement. You and your significant other may have planned for a future based on two incomes, but what if one of you passes away unexpectedly? Life insurance can be used to replace the lost income so the survivor can maintain the same standard of living.
For college funding. Yeah, I know. You don’t have kids, so this one only applies if you do or if you have grandchildren you want to help. Have you seen the tuition rates lately? Life insurance can help fund a college education. If you die, the death benefit may be invested and potentially grow to the needed amount by the time your children or grandchildren reach college age. If you have permanent policies, the cash value may be used to help fund tuition costs. Feel better knowing that you helped prepare for their future—even if you are not there to see it.
There are also a few provisions—additional benefits, if you will—that you may not be aware of.
Probate protection. If the beneficiary of a life insurance policy is a named person and not your estate, the death benefit is free from probate costs.
Incontestability. After the policy has been in force for two years, it becomes incontestable, meaning that the policy cannot be revoked, unless it was fraudulently obtained.
Free from the claims of creditors. In many states, the cash values of the life insurance policy are free from the claims of creditors if the policy is personally owned.
So, are you starting to see the need for life insurance? You will call me right now, right? The number is 800-560-4637 x14. Don’t put it off! Remember, the younger you are when you get insurance, the lower the cost and the easier it is to get approved.
Marvin H. Feldman, CLU, ChFC, RFC, President and CEO of the LIFE Foundation
Visit NFS at Wrentham Day!

Wednesday, September 7, 2011

What Sources of Funds May Be Available to Help You Financially Survive a Critical Illness?
Be a part of the “larger picture.” Join hundreds of others who are posting photos of those they’ve protected with life insurance. The result will be an incredible online Insure Your Love picture mosaic. Let me know once your photo’s up so I can find it in the mosaic. A great bonus: For every photo that gets posted, $1 will go to providing tuition assistance to students who’ve lost a parent.

Tuesday, September 6, 2011

You may think you have nothing in common with Los Angeles Lakers and reality TV star Lamar Odom, but you’d be wrong. No matter how famous (or not!) you are, there’s a need to protect your family with life insurance:

Thursday, September 1, 2011

Life Happens

No one knows what the future holds. Hopefully, only good things are in store for you.

But realistically, bad things will happen too.

Even if you don’t consider yourself a cautious person, you take little steps every day to improve the odds that good things will happen and guard against the possibility of bad things happening.

You wear seatbelts.

You lock your doors when you leave home.

You try to eat well and exercise.

In other words, you may not be able to control the future, but you can stand up to it. You don’t have to get wet when it rains. You can carry an umbrella.

True, it’s easy to take these little steps. The bigger steps, though, can require contemplating some pretty unpleasant things.

What would happen to your family if you became ill or injured and couldn’t work? Or, worse yet, if you died? Or if your spouse died?

Standing up to the future means making sure you and your family can carry on, even in the face of a disaster. That’s where life insurance and other forms of insurance come in.

Life insurance won’t guarantee you’ll never face a tragic situation, just as wearing a seat belt won’t keep you from crashing your car. But it will provide your family with financial protection. And whatever hopes and dreams you have for your loved ones can still be realized, even if the worst were to happen.

That’s why we say LIFE Happens. It really does. No matter what the future throws at you. September is Life Insurance Awareness Month and in the coming weeks we will be presenting you with some great information on Life Insurance and how you and your loved ones can benefit from having coverage.

Please do not hesitate to contact us for more details!