The team at Independent Benefit Solutions ensures each client we serve is confident in the decisions they must make to secure and protect their financial future. We help our clients secure a comfortable lifestyle by providing the expertise, advice, resources and services necessary for them to succeed and achieve their dreams.
Our team of qualified professionals and independent referral partners have years of real-world knowledge and experience in their respective career fields and are fully licensed and insured for your protection.Due to our open architecture and non-proprietary list of over seventy-five different carriers, each case is fully analyzed and after comparing all available options, only the best solution is presented to each client.
We are committed to providing top-notch service by combining superb attention-to-detail with a compassionate personal touch to each client to serve you now and in the years to come. Representatives of Independent Benefit Solutions are licensed to solicit insurance in RI, MA, CT, ME, NY, FL, OH, SC, NC, MS, and NH.
Our team of qualified professionals and independent referral partners have years of real-world knowledge and experience in their respective career fields and are fully licensed and insured for your protection.Due to our open architecture and non-proprietary list of over seventy-five different carriers, each case is fully analyzed and after comparing all available options, only the best solution is presented to each client.
We are committed to providing top-notch service by combining superb attention-to-detail with a compassionate personal touch to each client to serve you now and in the years to come. Representatives of Independent Benefit Solutions are licensed to solicit insurance in RI, MA, CT, ME, NY, FL, OH, SC, NC, MS, and NH.
Services
The team at Independent Benefit Solutions ensures each client we serve is confident in the decisions they must make to secure and protect their financial future.
We help our clients secure a comfortable lifestyle by providing the expertise, advice, resources and services necessary for them to succeed and achieve their dreams.
As a leading local provider of personal insurance and business worksite benefits, Independent Benefit Solutions uses a comprehensive approach and open architecture.
We work closely with each client and our strategic referral partners to develop a tailored plan to fit your lifestyle, goals, and budget.
We help our clients secure a comfortable lifestyle by providing the expertise, advice, resources and services necessary for them to succeed and achieve their dreams.
As a leading local provider of personal insurance and business worksite benefits, Independent Benefit Solutions uses a comprehensive approach and open architecture.
We work closely with each client and our strategic referral partners to develop a tailored plan to fit your lifestyle, goals, and budget.
The team members of Independent Benefit Solutions are experienced, licensed in multiple states and have over 18 years of experience.
We represent over 55 different insurance carriers and are looking forward to serving you or someone you care for.
Nicholas Pacheco is one of the most honest, straightfoward, genuine and helping individual you can meet.
He's definitely the kind of person you can count on to do great business with.
Nick demonstrates expertise in a multitude of areas, takes the time to get to know his audience/clients on a professional and yet personal level to help further identify their true needs.
We represent over 55 different insurance carriers and are looking forward to serving you or someone you care for.
Nicholas Pacheco is one of the most honest, straightfoward, genuine and helping individual you can meet.
He's definitely the kind of person you can count on to do great business with.
Nick demonstrates expertise in a multitude of areas, takes the time to get to know his audience/clients on a professional and yet personal level to help further identify their true needs.
Use our FREE life insurance quote calculator to compare hundreds of insurance polices from top-rated carriers.
In its simplest form, life insurance offers financial protection for your family or business partners and pays a sum of money to a named beneficiary at the death of an insured individual.
Insurance proceeds are generally paid free from income taxes and are not subject to probate.
Thus, life insurance proceeds pass quickly and directly to the beneficiary.
Some policies also accumulate cash value while others offer a living benefit that both can be used for supplemental retirement income, funding for a child's education or cash for emergencies.
In its simplest form, life insurance offers financial protection for your family or business partners and pays a sum of money to a named beneficiary at the death of an insured individual.
Insurance proceeds are generally paid free from income taxes and are not subject to probate.
Thus, life insurance proceeds pass quickly and directly to the beneficiary.
Some policies also accumulate cash value while others offer a living benefit that both can be used for supplemental retirement income, funding for a child's education or cash for emergencies.
A disability income insurance policy can cover a portion of your earned income if you become too sick or hurt to work as the result of a total or partial disability caused by either an accident or an illness.
Generally speaking, the benefits paid on an individually owned disability income insurance policy are portable and income tax-free.
Your most important asset is your ability to earn a living.
Think about how much you earn in a year and what that would be over a lifetime.
What would happen if those paychecks stopped?
Generally speaking, the benefits paid on an individually owned disability income insurance policy are portable and income tax-free.
Your most important asset is your ability to earn a living.
Think about how much you earn in a year and what that would be over a lifetime.
What would happen if those paychecks stopped?
Typically, uninsured people often don't visit the doctor, don't fill prescriptions, and don't undergo basic preventive checkups and lab tests to keep them healthy.
Even when they go without preventive care and necessary prescriptions, many of the underinsured are still unable to cover all their medical expenses.
According to the U.S. Census Bureau, the number of uninsured in the U.S. is 48.2 million people.
In a study completed by the (MA) Commonwealth Fund in 2012, 41 percent of the adults (or an estimated 75 million people) reported that they had a hard time paying their medical bills.
Even when they go without preventive care and necessary prescriptions, many of the underinsured are still unable to cover all their medical expenses.
According to the U.S. Census Bureau, the number of uninsured in the U.S. is 48.2 million people.
In a study completed by the (MA) Commonwealth Fund in 2012, 41 percent of the adults (or an estimated 75 million people) reported that they had a hard time paying their medical bills.
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