Value Statement: "We are committed to treating our clients with fairness and respect. We strive to educate insurance prospects and clients alike about the potential risks for loss unique to them individually, and the products that are available to secure them from financial loss. It is our commitment to serve all members of our community with expertise and financially sound insurance products."
"IBI has been and continues to be a real asset to our company."
IBI is pleased to provide a full range of coverage's for your personal needs. From the first time buyer, to high valued homeowner, automobiles, and umbrellas, we will review, quote, and secure coverage's for your needs.
We want to make sure that your insurance actually protects you. IBI is an independent insurance agency dedicated to finding you the comprehensive insurance coverage you need.
Whether you need to protect your car and home, want insurance for the possessions in your apartment, or need a general umbrella policy for peace of mind, our agents will provide you with outstanding service and the policies you need. We pride ourselves on finding affordable MA personal insurance policies that protect your most important assets. We want to ensure that your insurance policies provide protection for your biggest concerns.
Our term life insurance plans are among the most competitive options available offering 10,15, 20 and 30 year guaranteed level premiums. The companies we represent not only are among the industry’s most financially stable but also offer an array of policies that provide us the ability to offer great rates for those with or without significant pre-existing health conditions.
Today individuals and families have challenging choices when considering health insurance plans. There are more plan designs and options available and deciding which program is appropriate for one’s family can be confusing.
|Underwriting Guidelines||Athletic Preferred||Preferred||Average|
|Family||No cancer or cardiovascular death of either parent before age 60.||No cancer or cardiovascular death of either parent before age 60.||No more than 1 cancer or cardiovascular death of parents before age 60.|
|Cholesterol Levels||Under 210, HDL: Under 5.0||Under 240, HDL: Under 6.5||Under 280, HDL: Under 8.0|
|Health History||No history of major health conditions, such as, cancer, diabetes, heart disease.||No history of major health conditions, such as, cancer, diabetes, heart disease.||Some major health conditions allowed.|
|Driving History||No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving.||No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving in the past 5 years.||No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving in the past 2 years.|
|Tobacco||No use of nicotine products in past 3 years.||No use of nicotine products in past 3 years||No use of nicotine products in past 1 year|
|Substance/Alcohol Abuse||No history of alcohol or substance abuse.||No history of alcohol or substance abuse.||No alcohol or substance abuse in the past 7 years.|
|Aviation||requires additional rider.||requires additional rider.||requires additional rider.|