Great Bay Insurance

Serving New Hampshire, Maine & Vermont for over 26 years. 

Group, individual & self employed for all of your insurance needs.

Don't let high premiums keep you from getting the health insurance coverage you need. Now there is an affordable health insurance plan available.  Finding affordable health insurance in the US can be very challenging. The requirements for obtaining affordable health insurance polices vary from state to state. We are dedicated to helping you, as a health insurance consumer, find the best possible health insurance.

We can find Flexible plan designs -

customized to fit your specific needs and budget.

• Hospital bill review - we will have a third party automatically review your hospital bill for errors and overcharges, which may reduce your out-of-pocket expense
• Freedom to choose any Doctor or Hospital (out of pocket expense may increase on PPO plans where out of network providers are used)
• Family Continuation of Coverage - if the primary insured dies, coverage is continued without premiums for 1 year without any need to prove insurability.

Providing life insurance to protect you from the unknown

Life insurance is something that almost all people know they really should have—but don’t. Simply stated—people never like thinking about the possibility of their own death. However, many people can get past this uncomfortable thought because of their love for their family and the desire to make sure they are financially secure in the event of some tragic event.  

Life insurance is essentially considered long term financial planning, and the purchase of this insurance permits those who rely on you to continue in your absence without having to suffer a financial crisis. Even if you aren’t considered the earner in the family, the “stay-at-home” spouse is considered equally as important. In the event of your death as a “stay-at-home” spouse, all the tasks that you fulfilled will become paid tasks. This means that your spouse will have to pay someone to complete the tasks that you used to do. Whether the breadwinner or the “stay-at-home” spouse, your spouse’s financial security is important.

You get life insurance by buying a policy (a contract). When you do so, you join a risk sharing group. The company promises to pay, at the time of your death, a sum of money to the person or persons selected by you (the beneficiaries), who are named in the policy. This promise is given in return for your agreement to pay a sum of money (the premium) to the company over a specified period of time.

MISSION:
The Great Bay Insurance Agency is a brokerage agency determined to provide its policy holders with the best possible product for the least amount of dollars.  Commission will never super cede the best interest of our policy holder.

PHILOSOPHY:

The Great Bay Insurance Agency will operate in accordance with three fundamental Principles.  These principles will have a profound effect on the direction and emphasis of the agency.
     1.   We Believe that Honest and Ethical conduct are the foundation of all business contacts.  We will strive to render services to our clients which, in the same circumstances, we would apply to ourselves.
     2.   We believe that our clients will benefit from a long and continuous relationship with our agency and that our level of service and integrity is key to that relationship.
     3.  We believe that continuing education is critical to supplying our clients with accurate and timely advice.

Here are 10 Rules to Remember When Buying life insurance.

• Understand and know what your life insurance needs are before any purchase, and make sure that the company you choose can meet those needs.
• Buy your life insurance from a company that is licensed in your state.
• Select a life insurance producer who is competent, knowledgeable and trustworthy.
• Shop around and compare life insurance policy costs.
• Buy only the amount of life insurance you need and can afford.
• Ask your life insurance agent about lower premium rates for non-smokers.
• Read your life insurance policy and make sure you understand it.
• Inform your beneficiaries about the kinds and amount of life insurance you own.
• Keep your life insurance policy in a safe place at home and, in addition, keep your life insurance company's name and your policy number in a safe deposit box.
• Check your life insurance coverage periodically or when ever your situation changes, to be sure it meets your current needs.

Providing life insurance in Dover NH, Portsmouth, NH , Somersworth, NH - retirement planning in Rochester, NH, Lee, NH , York, ME

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Great Bay Insurance Agency