Vargas & Vargas Insurance

1133 Washington St
Dorchester, MA 02124

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How to File a Life Insurance Claim

The death of a loved one is a stressful event, and the agents here at Vargas and Vargas Insurance Agency want to make sure that you are able to navigate the process as easy as possible. If you are the beneficiary of the deceased’s life insurance policy, there are a few steps that you will need to take in order to submit a claim on their Massachusetts life insurance policy.

  1. Get several copies of the Death Certificate. Many financial institutions will need an official copy of the certificate in order to close accounts, and life insurance companies are no different.
  2. Call the insurance company. When you call, you will most likely need the following information: the insured person’s full name, date of birth, life insurance policy number (if known), and date and cause of death.
  3. Complete all necessary paperwork. Depending on the deceased’s insurance provider, you will probably need to fill out some paperwork in order to make a claim.
  4. Decide on the payout type. Some insurance providers only provide lump sum payouts for life insurance claims, but others will offer installments or annuities
  5. Wait for payout. Often, payouts will be sent soon after the insurance provider reviews and approves the claim. Ask your Massachusetts insurance agent the approximate timeline, and when you should expect to receive a check.

In this tough time, we hope to make the life insurance claim process as stress-free as possible. If you have any questions about your coverage, or about how much life insurance you should have as a benefit to your loved ones, just call 617-298-0655. One of our friendly and knowledgeable agents will be able to answer your questions or get you a free life insurance quote.

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Monday Motivation June 19, 2017 When You Reach The End Of Your

I hope you had an amazing Father’s Day weekend!

As always I like to start my week off right with some words of inspiration…

“When you reach the end of your rope, tie a knot in it and hang on.”
-Thomas Jefferson

Whether you are new to or a seasoned professional in sales, there are times in our life where we have done all we can… In those times,
don’t give up
don’t stop,
just hang on and continue pushing….

Consistent action, even if the action is just hanging on, will pay off…

Keep pushing and keep creating the amazing life you know you want and deserve!

We have made many changes at our agency to better help you and your clients when you have an insurance question or need a quote.

You can call us at 617-298-0655
You can now text us at 617-409-0329
Or, for a quick insurance quote, you can email: quotes@vargasinsurance.com

Check out our blog for some advice if you are working with a property that is vacant or unoccupied, read the blog here.

And remember that I work deliberately from my plan, and my plan involves serving you to the best of my ability. Help me stay accountable? And make sure you help me understand how best to serve you. Fair?

Have an awesome week!

And know that you are loved.

Carlos

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The Best Business Networking Groups

If you are a small business owner, a solopreneur or in sales, marketing is an imperative part of what you do. How do you get your name and your business ‘out there?’ One of the best ways to spread the word about what you offer is to be a member of one (or a few) local networking groups. Here are a few examples of groups you could join, along with short descriptions from their websites:

  • Business Networking International (BNI) – “By joining BNI, you’ll increase your exposure to like-minded professionals, gain referrals from a global network and sharpen your networking skills with exclusive member resources.”
  • Boston Business Women – “Boston Business Women aims to provide women with a platform to build connections, support personal and professional growth, and gain the tools and resources needed to succeed in both business and life.”
  • Rotary International – “The collective leadership and expertise of our 1.2 million members helps us tackle some of the world’s biggest challenges, locally and globally. We are united by common values and vision for the future as we sharpen our focus with targeted specific causes that will reach communities most in need.”
  • Kiwanis International – “We are passionate about making a difference. Helping kids grow and succeed is at the heart of everything we do. We believe our neighborhoods and our world are best served when people of all ages and different backgrounds work together to share their time and talents.”
  • Infinite Business Networking – “The mission of Infinite Business Networking is to help grow and nurture each other’s business through word-of-mouth referrals and professional development.”

Here’s one tip, though: if you are interested in joining one of these groups, make sure that you have enough time to dedicate to your membership. Just having the card isn’t enough – you need to be an engaged participant in meetings and activities in order to get the most of the experience. You also need to have a pretty good description of what you do, who your best customer is, and for best results, attend each meeting with a “story” or “drop” some knowledge on the others in the group.

In addition, when joining these types of organizations, it’s important to realize that the relationships that you build and the referral system in place are both two-way streets. It’s not enough nowadays to just give someone your business card. You need to build a relationship. And if you want to gain referrals, you have to expect to give referrals and don’t forget to follow up, follow up, follow up with everyone that you meet!

If you need some advice and guidance on joining a business group or just how to be a better networker, I am available to help.

And if anyone you know is ever in need of a great Boston insurance agent, please tell them to contact us at Vargas and Vargas Insurance Agency. We appreciate your referrals!

Carlos

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“Change is hard, messy in the middle and gorgeous at the end.”

“Change is hard, messy in the middle and gorgeous at the end.”
-Robin Sharma

Change is hard. I know this for a fact, as I’m experiencing it right now!

Picture this…I’m sitting in my house right now instead of sitting in traffic like I’ve done for 37 years.

As you probably know from my online posts, Kathy and I moved from our Stoughton home of 33 years to Dorchester Lower Mills, just around the corner from the Vargas and Vargas office. Believe me, this change has not been easy all the time, but change never is – even when we know it is the right thing to do.

One of the upsides of our move has been that we now spend less time in traffic, and have more time together, more time to get regular exercise, and more time in the wonderful community of Dorchester.

Recently, Vargas and Vargas has also made some changes. We have updated our client management system and our website (you can now send us a TEXT to our agency 617-213-2820 and much more to come, stay tuned) to help customers and friends like you contact our trusted referral partners!

We’ve always had a partners page on our site, but we hope that this will be a resource for you and anyone you know that is looking for any of the following professionals:

  • Accountant
  • Attorney
  • Contractor
  • Electrician
  • Estate Planner
  • Financial Advisor
  • Home Inspector
  • Loan Officer
  • Plumber
  • Realtor®
  • And More!

(Send me a message and I can let you know how you be on our partner’s list)

And while you are visiting our new website, don’t forget to check out our blog. It is always being updated with insurance tips, helpful advice, and much more.

How to Start Recycling – We Can Help!
Auto Insurance Q&A: Borrowing the Car
Best and Worst Places to Store Your Wedding Rings
Building Permits for Residential Renovations

So what does our change of address have to do with making you more money?

Many professionals start their businesses filled with excitement and passion for their new venture, but quickly realize that building a brand is hard work! Once that realization sets in and business problems begin to surface, it is very easy to get disgruntled and lose your motivation for what you originally set out to accomplish.

In the beginning, your passion creates energy that keeps you moving forward, builds excitement for the next project, and helps overcome fears and obstacles. However, maintaining that passion can be difficult as time goes on, and you might find yourself in a “rut,” or longing to reconnect with the spark that once drove your business. Whether this longing resonates with you currently or you’re teetering back and forth on the fence of business growth, it’s imperative to implement 6 practices into your business to regain focus and reignite your flame! We’ll cover the first 3 this week, so stay tuned for next week’s insider to tie all 6 together!

1. Stay focused on your core business – There are a million money making ideas out there that can distract you from what your core business is all about. If you can’t draw a direct connection from a new loan or listing to your new venture, scrap it! It will only distract you from making money and growing your business.

2. Take inspiration from SUCCESSFUL professionals – Surround yourself with positive individuals who have achieved success and are passionate about what they do. They’ll motivate, excite and remind you of why you’re in business. The right individuals will build you up with a “can do” attitude, and offer you proven methods of achieving your goals.

3. Manage your time effectively – Unfortunately, if you don’t set aside time to do important tasks like following up with new clients and building referral relationships (making FROG calls), phone calls and emails can keep you busy all day long! Make sure that you schedule time in your day that’s committed to taking care of the fundamentals of business development which make you money and keep you excited! If you need assistance with time blocking, I can help!

And know that you are LOVED!

Carlos

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