B&M Hdr
 
Information for B&M clients & friends
Call 781.245.0007  or 800.688.8750

  June 2010
Greetings!
 
Our goal is to provide useful information and ideas that will help you protect the things that mean the most to you... your home, your car, your family and your future. At the same time, we strive to help you save time and money.

Please take a moment after you review this info to visit our Web site for more information on our products and services. www.bandminsurance.com
 
In This Issue
Check out a fixed annuity for both safety and income you can't outlive
Empty, unsold house a BIG problem
$$$ - Exclusive saving$ program for AFT MA members
Home day-care protection
NEWS & NOTES: More about new Oil Heat System law; coverage for car damage from potholes and floodwaters
Special Olympics Partnership
Check out a fixed annuity that provides both safety and income you can't outlive
Couple 

. Earn fixed, tax-deferred interest

  toward retirement

. Choice of time period
. Rollover your "old" 401(k), 403(b)    
  and/or IRA

Studies show retirement now lasts 25 to 30 years.  A fixed annuity can be a safe retirement planning vehicle.  An alternative to daily market fluctuations, you can rollover "old" 401(k), 403(b) or and IRA into a Fixed Annuity or build up retirement income savings by paying into an annuity (the accumulation stage).  You can take systematic distributions in retirement or receive guaranteed monthly income payments from your annuity during its annuitization stage.  This annuitization stage can last as long as you live.  It earns tax-deferred interest as the money in your account accumulates. For more information, call John Gregorio at 781.245.0007 or 800.688.8750.  Or email.
Empty, unsold house is BIG problem! 
house4sale. Vacant houses not covered long term 
  by homeowners policies
. Protect your property until it sells with
  right coverage
 

Once a house is vacant, the insurance policy may only cover vandalism for 30 days and may provide no coverage at all after 60 days, even if you have paid the premium. Call us immediately for a vacant dwelling policy if you have a vacant property for sale. Call us at 781.245.0007 or 800.688.8750. Or email John Gregorio. 

 

AFT MA Members save on auto and home insurance

. Discounts on personal auto insurance (5% or greater!)
. Combine with your Home/Condo for up to 30% savings
. Flexible billing options with no finance charges
  and no money down.


As the exclusive insurance benefits provider for the American Federation of Teachers of Massachusetts (AFT MA), B&M Insurance has offered special programs for AFT MA members and their spouses for over 15 years. We work with members by phone, fax, email, at the school or their respective Union office.

For more information go to:
www.aftma.net/benefits.html or www.bandminsurance.com
or email John Gregorio
or call us at 781-245-0007/800-688-8750
 Home day-care protection
. Special endorsement to homeowners needed for coverage
. Give yourself and other parent peace of mind

If you or some member of your family is watching the children of another family or several families for some quid pro quid, it is wise to add a home day-care coverage endorsement to your homeowner policy. For a quote, call 781-245-0007 or 800-688-8750 or e-mail John Gregorio.
NEWS & NOTES

. More about new Heating Oil System Upgrade Law. 
Homeowner compliance has been extended to September 2011. However, insurance companies still have to offer "leak" coverage starting 7/1/10. For more information on the new law and how to obtain the certification needed to qualify for the "leak" coverage, go to MA DEP website For a quote on this low-cost endorsement to your homeowner policy, contact John Gregorio.
 
. What if your car is damaged by striking a pothole or getting caught in floodwaters?
You are covered
if you have collision and comprehensive coverage on your automobile insurance.  These options may cost a bit more, but pay big dividends if you have an incident! Call 781.245.0007 or 800.688.8750 or email John Gregorio for a quote. 
 

. Speaking of floodwaters:  If you are buying a used car, it makes sense to check out the electrical system and sensitive electronics that manage the car's engine or control air bags, anti-lock brakes, and other safety components. Flooding can permanently damage these systems. When buying from a car dealer, ask for the CARFAX report on the vehicle. 

 

Thank you for your referrals. Please feel free to forward this information to a friend or family member. About 60% of our new customers are the result of referrals from loyal clients like you.  When you refer someone to us, ask him or her to mention your name when they contact us.  We'd like to thank you personally!
 
Sincerely,
The B&M Insurance Agency family

Jill Grabiec X403
Tina Michalak X404
John J. Gregorio   X402
Robert P. McCormack, Sr

Visit our Web site
SOMA logo
Special Olympics Partnership

Click for details
We have adopted the Special Olympics of Massachusetts (SOMA) as our number one community service program for the agency.  B&M is an official partner of SOMA.
We are encouraging our clients to donate to this great cause.
All funds raised  go to Special Olympics of Massachusetts. Learn more about how you can participate in our SOMA programs:  call
781-245-0007/800-688-8750 or e-mail John Gregorio

Click here to donate to this worthy cause.
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.We are proud members of the Rennaissance Group of Independent Insurance Agencies.
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