| Featured Member of Team Sampson |
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Patricia Manning, CISR
Patti has worked in the insurance industry for over thirty years and maintains a property and casualty license, along with the Certified Insurance Service Representative (CISR) designation. Patti has been with Sampson Insurance Agency for more than 15 years. Patti has attended night school for 12 years pursuing a Bachelor's Degree in Business Management, and in her limited, spare time, she volunteers for the North Weymouth Civic Association.
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Registry News
Be sure to check your license expiration date.........
The Massachusetts Registry of Motor Vehicles will no longer mail out renewal notices. Be sure to renew at least seven days before your birthday to ensure that you receive your new license before your old license expires.
You can renew online instead of in line. The RMV express lane is always open.
Do you have a single green license plate........
If you have a single green plate, you may not order a replacement. If the plate is not legible, you must obtain red and white "Spirit of America" plates. You may go to any full service RMV center to complete this transaction.
Illegible Means Ineligible!
By state law, Massachusetts license plates must be readable from 60 feet away. Any green or red passenger plate, which has lost its reflective coating or paint, must be replaced. You can be cited by law enforcement for this violation. Also, your vehicle will be ineligible to pass the yearly required state safety inspection.
The RMV encourages vehicle owners to swap illegible plates for a set of red plates at no fee. Faded and illegible plates can be swapped at any of the RMV's 35 branch locations.
A red plate that is lost or damaged can also be ordered at any branch or by calling the RMV Telephone Center at 617-351-4500. The cost of replacing these plates is $10 a plate and will be mailed to the registered owner. |
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| Sampson Signal - January 2009 |
Greetings!
Happy New Year!
2009 may bring many challenges, but worrying about whether you, your family and your business are adequately protected does not have to be one of them. Please contact your Sampson Insurance representative at 781-927-7100 for your free protection review! |
LIFE INSURANCE: What You Need to Know
1) Consider the reasons for purchasing life insurance:
Life insurance doesn't simply insure your life, it helps ensure the well-being of your loved ones if you're unable to do so.
Motivate yourself to make the decisions that are best for you and your family.
2) Maintain your health:
Make wise health decisions today -- you may need to undergo a medical exam to determine your insurability. The better your health, the better your policy rate. Take advantage of the opportunity to save money by getting in shape.
3) Determine the right amount of coverage:
Before selecting an insurance company, figure out how much coverage you need. Contact our office for help with this.
Think over the questions you'll be asked. Who are your beneficiaries? What's your financial situation? What do you plan to use the coverage for?
Call our office to speak with a licensed agent. Your agent will have an understanding of the changes you face that could affect your coverage or beneficiaries, and will inquire with you about life stages such as marriage, starting a family, or retirement.
Be prepared with your own information and questions as you go through these transitions.
4) Find the policy that works for your life stage:
There are many different types of policies, and learning about the available options will provide you the most comfort and
security.
A term policy will help you secure protection at the lowest rate for a specified period of time.
If you can pay a little more money, a whole life policy may allow you to lock-in a more affordable rate early on, keep that rate for life, and give you the option to borrow the cash value of the policy.
5) Consider the financial benefits of the policy you choose:
Life insurance policies offer financial benefits that your agent will outline for you.
Under current tax laws, your beneficiaries may not have to pay federal income tax on the money they receive from a life insurance policy.
Accelerated death benefit riders, under certain circumstances, may allow you to receive a percentage of your life insurance death benefits during your lifetime.
6) Manage your financial future:
Be proactive in making sure you have the right coverage at every stage of life.
Periodically review your personal circumstances and the products you own. Make sure your coverage fits your family and does not lapse. |
IF YOU HOLD IT, PROTECT IT
This expression has never been truer for businesses that maintain information pertaining to their clients or other (third) parties. In the past several years, high profile losses associated with unauthorized access to, or theft of, client credit cards and financial accounts have been covered by the media. While most people understand the cost and liabilities associated with not safeguarding this critical information, there are other threats that can leave businesses exposed to legal action.
Any exposure to computer viruses, denial of service attacks, malicious attacks by former employees, as well as alleged, unauthorized e-commerce transactions, can leave your business not only open for lawsuits, but can tarnish your reputation for many years to come.
Understand that General liability policies EXCLUDE these types of losses.....
The solution? Network Security Insurance (NSI).
The NSI policy provides protection for losses stemming from the unauthorized release of information. NSI, coupled with a strong Errors and Omissions Liability policy, provides the protection firms need in the areas of Systems Integration, E Commerce, information archiving / storage, software development and other Technology sectors businesses.
In addition to NSI protection, we recommend that companies have a formal security program in place to protect against hackers, malicious code, and other exposures. It is also recommend that a Security Audit be performed periodically to test the integrity of one's procedures.
Contact Bruce Thompson at 781-927-7120 or bthompson@sampsonins.com for help on this or any other Business Insurance matter. |
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All of us at Sampson Insurance wish you and yours a very healthy, happy and prosperous 2009!
Sincerely,
Craig Thompson, President
Sampson Insurance Agency, Inc. |
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