• Buying Life Insurance and Annuities in Massachusetts - Part 1

    Thinking About Buying Life Insurance or an Annuity
    Should I Buy Life Insurance?
    Should I Buy an Annuity?
    What are the Benefits of Life Insurance, Annuities, and Variable Annuities?
  • Buying Life Insurance and Annuities in Massachusetts - Part 2

    Life Insurance
    How Much Life Insurance Do I Need?
    What Kind of Life Insurance Should I Buy?
    Term Life Insurance
    Whole Life Insurance, Universal Life Insurance, Variable Life Insurance
    Whole Life Insurance
    Universal Life Insurance
    Variable Life Insurance
    Comparing Major Types of Life Insurance
    How Much Will Life Insurance Cost?
    What Other Benefits Are Available in Life Insurance? ("Riders")
    Accelerated Death Benefits
    Viatical Settlements
    Accidental Death Benefits
    Automatic Premium Loan
    Guaranteed Insurability
    Premium Waiver Provision
    Life Insurance Q & A
  • Buying Life Insurance and Annuities in Massachusetts - Part 3

    Annuities
    What Different Kinds of Annuity Arrangements are Available?
    Single Premium or (Flexible or Scheduled) Installment Premium
    Immediate Annuity or Deferred Annuity
    Variable Annuity
    Fixed Annuity
    What Charges May Be Subtracted From The Annuity's Value?
    What Happens If I Surrender My Annuity?
    Is There Always a Charge When You Take Money Out Early?
    How Much Will an Annuity Cost?
    How Are Benefits Determined?
    How Are Annuity Benefits Paid Out?
    How Long Are Annuity Payments Made?
    Life Only
    Life Annuity with Period Certain
    Joint and Survivor
    Installment Refund
    Is There A Death Benefit?
    Does my Annuity Have Other Benefits as Well as Income and a Death Benefit?
    Questions You Should Ask Yourself Before You Buy An Annuity
    Questions You Should Ask Your Sales Agent Or Broker Before You Buy An Annuity
  • Buying Life Insurance and Annuities in Massachusetts - Part 4

    Should I Replace My Life Insurance Policy Or My Annuity With A New One?
    Important Questions You Need To Think About:
    What can I expect if I replace a current policy or annuity?
    How can I tell if the new life insurance policy is better than the old policy?
    How can I tell if the new annuity is better than the old annuity?
  • Buying Life Insurance and Annuities in Massachusetts - Part 5

    Understanding The Sales Materials/Illustrations
  • Buying Life Insurance and Annuities in Massachusetts - Part 6

    More Information
    Taking Care of Your Insurance Policies
    How Do I Get More Information?
    How to File a Complaint
  • Buying Life Insurance and Annuities in Massachusetts - Part 7

    Glossary Of Insurance And Annuities Terms