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Business Description |
| Massachusett's based insurance brokerage specializing in providing group health, dental, disability, and life insurance, as well as, retirement plans. Our services extend to assisting in 401k rollovers, term life insurance quotes, Medicare Part "D" through Humana, and other individual financial services. |
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| Prepared By: |
Thomas Butler |
Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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We strive to satisfy our company credo, which is "Let This Butler Serve You!" |
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What are your qualifications? What is your education background? |
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I have a Series 6 and 63 license, as well as, life and health license as an Independent Broker. I have been in this business over ten years. |
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What is your approach to financial planning? |
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I try to act as a consultant. |
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What services do you offer? |
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We can provide retirement planning, as well as, personal investment guidance through mutual funds, annuities, etc. |
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How many clients do you currently manage? |
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My business involves individual, as well as, business accounts. The total number of clients served is in the hundreds. |
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| Q. |
Will you be the only person working with me? |
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How are you compensated? How will I pay for your services? |
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We are compensated by the investment company. |
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| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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We make no account changes without client authorization. |
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Do you offer any guaranteed results? |
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It depends on the product. |
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How much risk should I be willing to take? |
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Only as much as you feel comfortable with taking. |
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| Q. |
Have you ever been charged with any breaches? |
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What carrier(s) do you represent? |
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All major insurance carriers licensed to operate in Massachusetts. |
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Are there any pre-existing conditions that you can not cover? |
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Our offerings range from coverage to customers with no history of health issues to individuals who coverage that is almost guaranteed issue. |
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| Q. |
How long does it take to complete the application and approval process? |
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Depending on the carrier's application, it could take as little as five (5) minutes to about twenty (20) minutes to complete an application. The approval process has taken anywhere from eleven (11) days to eight (8) weeks. Approvals are usually delayed by either incomplete information on the application or obtaining the medical records of the applicant. |
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Is there a maximum age that you can insure? |
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We have found carriers who will consider applications from individuals over 80 years of age.
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What type of dental plans do you offer? |
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We offer both traditional and voluntary dental plans from a number of carriers. In some cases we may be able to offer more than one plan design to a group. |
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What carrier(s) do you represent? |
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All major carriers operating in Massachusetts. |
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What type of health plans do you offer? |
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We offer HMO, PPO, POS, Indemnity, and HSA plans. |
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What carrier(s) do you represent? |
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We represent AETNA, Blue Cross Blue Shield, Fallon Community Healthplan, Guardian Life Insurance Company, Harvard Pilgrim Healthcare, Health New England, John Alden, Neighborhood Health Plan, and United Healthcare. If any other carriers using the Broker as a part of their distribution system enter the group health insurance market in Massachusetts, we shall give them consideration as an offering. |
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| Q. |
What are your management fees? |
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Our compensation is usually in the form of a commission. Any fees charged for maintaining a retirement plan are disclosed by the Investment Company and/or Third Party Administrator at the time of the presentation. |
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| Q. |
What kind of plans do you specialize in? |
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We provide 401k rollover services, as well as, SIMPLE IRA's, SIMPLE 401k's, 401k plans, KEOUGH plans, SEPP's, and individual IRA (both Roth and Traditional). Annuities are available in fixed, variable, and equity-indexed. |
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| Q. |
Do you have a minimum requirement for number of employees or total investment value? |
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Depending on the product, there may be participation requirement required by the Insurance Carrier. We have no investment value minimum. We look to be of service to all consumers with a need we can satisfy. |
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Do you offer any additional services? |
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We also help with 529 plans and mutual fund investments. |
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