Life & Health Insurance

Insurance and Financial Services for You and Your Family

Life Insurance

  • Family income protection to maintain your family's current income status
  • Pay off debt obligations such as mortgage, auto or education loans and credit cards
  • Settle estate tax or other estate obligations
  • Pay for child's college education
  • Invest life policy premiums for tax free retirement income
  • Use cash value for borrowing or collateral

Disability Insurance

  • Provides income protection if you were:
    • Injured or ill and temporarily unable to work
    • Permanently disabled
  • Plan for all types of occupations

Financial Service Products

  • IRA’s – Traditional, Roth
  • 529 College Saving Plans
  • Annuities (fixed, indexed, variable)
  • Mutual Funds
  • Managed investment accounts
  • Non-Traded real estate investment trusts
  • Long-Term care insurance

Insurance and Financial Services for Your Business

Tim Demeritt

Our experienced professional advisor, Tim Demeritt of Integrated Financial Partners, offers a wide range of services to meet your business objectives. It all starts with a free consultative needs analysis.


Life Insurance

  • Fund a "buy and sell" agreement with a business partner or other owners
  • Compensate a company for loss of Key Person
  • Pay off creditor debts of sole proprieter who dies
  • Provide group insurance benefits for employees
  • Use cash value in whole life expectency policy for borrowing or as collateral

Disability Insurance

  • Group and Individual Disability plans to provide income when a person is:
    • Injured or ill and is temporarily unable to work
    • permanently disabled
  • All types of occupations

Employer Sponsored Retirement Plans

  • 401k Retirement Plans
  • Simple IRA's
  • SEP IRA's
  • 529 College Savings Plans

Group Health Insurance

  • Sole Proprieters/Self-employed to groups of 50 or more
  • Wide variety of carriers:
    • Blue Cross/Blue Shield of MA
    • Harvard Pilgrim Health Care
    • Tufts Health Plan
    • Fallon Community Health Plan
    • Neighborhood Health Plan

Group Benefit Plans

  • Sole Proprietors to groups of 50 or more
  • Group Dental Plans
  • Group Life Insurance Plans
  • Group Disability Income Plans

Long-Term Care Insurance

  • Available for groups as well as individual plans for businessowners and self-employed