Monday, March 27, 2017
Call us at (800) 940-3002
Massachusetts Office of Consumer Affairs and Business
Division of Insurance
One South Station, 5th Floor
Boston, MA 02110-2208
(617) 521-7490 (TTD/TDD)
The primary mission of the Division of Insurance is to monitor the solvency of its
licensees in order to promote a healthy, responsive and willing marketplace for
consumers who purchase insurance products.
The following resources are available for determining insurance needs:
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
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
Accidental Death Benefits
Automatic Premium Loan
Premium Waiver Provision
Life Insurance Q & A
Buying Life Insurance and Annuities in Massachusetts - Part 3
What Different Kinds of Annuity Arrangements are Available?
Single Premium or (Flexible or Scheduled) Installment Premium
Immediate Annuity or Deferred 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 Annuity with Period Certain
Joint and Survivor
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
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
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