Personal Insurance
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Latest Insurance FAQs
What is the Safe Driver Insurance Plan (SDIP)?
The Safe Driver Insurance Plan (SDIP) is mandated by state law to establish classifications of risks to fairly reflect the driving records of insureds and adjust premiums based in part on at-fault accidents. The Plan encourages safe driving by rewarding drivers who do not cause accidents or incur traffic law violations with a credit to their automobile insurance premiums, and discourages unsafe driving by requiring high-risk drivers to pay a greater share of insurance costs. Massachusetts, unlike many comparable jurisdictions that afford no or limited due process rights, provides the right to a hearing before an impartial hearing officer of the Board.
Surcharge points are incurred if you:
- cause an at-fault accident
- are convicted of or pay a fine for a traffic law violation
- are assigned to an alcohol education program
Life Insurance
Life Insurance – The premature death of a loved one can leave you with unresolved financial responsibilities. How will you pay the mortgage, car loans, credit card debt, education bills, funeral and estate administration expenses?
- What type of policy should I purchase? If life insurance will solve a specific financial obligation in a specific time frame, you may find TERM LIFE INSURANCE to be the most cost effective. If you need insurance for more than 30 years – to pay estate taxes or leave money for legacy reasons – you may want to consider a cash value policy (WHOLE LIFE INSURANCE, etc).
- How Much Life Insurance do I need? There are several methods to determine the proper amount of life insurance. The Human Life Value and Family Needs Approach are just two of the methodologies. A simple, extremely basic calculation, indicates that multiplying your salary by a certain number ( six to eight times your salary) will provide an adequate level of insurance.
