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."

Personal Insurance

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.

Home/Auto

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.

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EMPLOYMENT

Yes  No

HOME ASSETS

Yes  No

Frame  Brick  Condo  Mobile

AUTOMOBILE ASSETS

Year Make Model Vehicle Identification Number Car mostly used for Miles driven one-way Miles driven annuallly
add Car
Driver Name DOB Relationship Sex Marital status Date of Violation Type of Violation
add Driver

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Life Insurance

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.

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Help

 

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Health Insurance

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.

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Your Family / Dependents

  Gender Age or DOB Height
(ft/in)
Weight
(lbs)
Tobacco User? Full-time Student?
Applicant:
Spouse:
Child:
add child

Plan Options


May  June  July

$/month


Show All (Plans With & Without Maternity Coverage)
Only Plans With Maternity Coverage


Standard Individual & Family Coverage
Short-Term, Up to 12 Months of Temporary Coverage

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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.
Blood Pressure 140/85 150/90 155/95
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.