PRODUCTS

Curley Insurance Agency, Inc. offers nothing but the best policies at the best price, and at the best quality. We prescreen the insurance companies we represent, so we are very confident in our ability to offer you the best in service!

We offer Car Insurance, Home Insurance, Business Insurance, and life insurance. Here you can read about our offerings, but please call us so we can answer your concerns directly - it would be our pleasure to serve you!

Car Insurance
An auto insurance policy is actually a package of different coverages. Most states require you to purchase a minimum amount of certain kinds of coverage. But if you are interested in protecting yourself from a lawsuit or from huge repair bills, then it makes sense to buy more than what is required. We can help you sort out the details. Please give us a call today at 800-513-4377.

Home Insurance
Homeowners insurance is basically designed to bring your home and possessions back to the same condition they were in before a loss occurred. There are several different types of homeowners policies offered by a wide variety of insurance companies and not all coverages are the same or are available in all states. We can help you find the policy that is right for you. Please give us a call today at 800-513-4377.

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Business Insurance
Business insurance doesn't have to be complex, but it should reflect your business needs. That's why we are here -- to help you understand the products that are right for you and your business. We handle all kinds of insurance for all kinds of businesses:

• Retail
• Service
• Office and Professionals
• Building Owners
• Garages
• Manufacturers
• Trade Contractors
• Wholesalers
• Associations & Organizations
• Other Businesses

We can help you find the policy that is right for you. Please give us a call today at 800-513-4377.

Life Insurance
Types of Life Insurance Policies

A range of policies is available to help you prepare for life's contingencies, whether your needs involve mortgage protection, coverage for dependents as your family expands, or college funding.

Term Insurance, as the name implies, serves temporary purposes when your need is for a specific period of time, such as 5, 10, or 20 years; until you reach a certain age; or until your children reach a certain age. At the end of the specified time, the policy expires. Term insurance premiums are generally less than permanent insurance premiums for individuals who are in the 20-50 age range. Term insurance usually can be converted into a permanent policy at a future date.

Permanent Life Insurance is used when the need for life insurance is expected to last for a longer span of time, or even for the whole of the insured's life. Permanent policies combine death benefits and a savings component (cash value). If you choose to cancel the policy, you still receive the savings portion of your policy (less any applicable surrender charges). It also offers accessibility to funds via loans for emergencies and other needs. The three available types of permanent life policies are:

Universal Life Insurance provides the owner with flexible life insurance protection, plus a savings component in an interest-bearing, tax-deferred account. The policyholder has the ability to adjust the premium amounts and death benefit amounts of the policy. Here are the basic benefits:

• Life insurance coverage that does not expire.
• Flexibility to modify or skip life insurance premium payments (as long as there is sufficient cash value to cover the cost).
• Flexibility to select protection (death benefit) amount.
• Tax-deferral on earnings.
• Guaranteed minimum interest rate. Guarantees are based on the claims paying ability of the issuing company.

Variable Universal Life provides the owner with all the benefits of universal life insurance protection, plus flexible investment options. The policyowner decides how the cash value of the policy is invested among the investment options offered. These investment choices typically include stock, bond, and asset-allocation funds, allowing the policyowner to take advantage of market opportunities. Many companies even offer name brand investment options.

Survivorship Universal Life Insurance covers two individuals on one policy, paying a death benefit upon the second death, when estate taxes are due. The policy can be designed so that the heirs pay no income, gift or estate taxes on the proceeds. They can use the money to pay most or all of the estate taxes and settlement costs, thus avoiding more expensive alternatives, such as paying cash, borrowing or liquidating assets.

We can help you find the policy that is right for you. Please give us a call today at 800-513-4377.

Please call us so we can address your needs and concerns personally.

(508) 376-4377 or Toll Free at (800) 513-4377

Monday, Tuesday, Wednesday, and Friday: 9am to 5pm
Thursday: 9am to 7pm
(or by appointment)

Walk-ins welcome!

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