Personal Products and Services

Z/B Insurance is able to provide you with all lines of personal insurance at the most competitive prices available. Our friendly, dedicated agency support staff is the most accommodating you will meet in the insurance industry. Their goal is to make you, the client, happy.

New! Write your homeowners' and auto policies with Zemaitis-Baker and receive additional discounts!!!

Our Personal Services Specialists assist clients in the following areas:

• Auto Insurance
• Homeowners
• Renters Insurance
• Condo Owners Insurance
• Investment/Rental Property
• Personal Umbrella Policies
• Life Insurance
• Boats/Recreational Vehicle Insurance
• Specialty Packages

Financial Services

Z/B Insurance can provide you with a comprehensive selection of financial products and services. Our life insurance underwriters and financial consultants offer complete personal financial planning encompassing life, disability and health insurance as well as retirement and estate planning using products that will provide the solution to fit your individual needs.

We have also formed a referral-based strategic alliance with The Visper Group of Worcester in order to provide you access to important retirement and estate planning information. It is managed by Tom Zemaitis' Holy Cross College classmate, Fred Boutiette.

Our experience in solving unique business planning problems qualifies us to help you with such things as stock repurchase agreements, executive compensation plans and key-person insurance. Whatever your needs, personal, business or professional, we are here for you!

Life Insurance

It's difficult to face our own mortality, but planning for it will ease the burden our loved ones will face. Life insurance can be purchased to help by providing death benefits to cover:

• unpaid medical bills
• income replacement for survivors
• final expenses like burial costs
• unplanned or emergency expenses
• your mortgage balance
• future education funds

Remember, you can also use some life insurance products

• to help you establish an estate plan
• as a component to your savings strategy
• for retirement income
• even to pay for estate taxes

Life Insurance Needs Analysis

Understanding which life insurance is right for you means setting one primary objective:

Do you simply want death protection?
Term Insurance.

Or, do you want both death protection and a savings element?
Whole Life or Universal Whole Life.

Needs Analysis Form/Questionaire

click here for a printable needs analysis form. Fill it out on line and submit it or click on file/print on your browser and print it out for your personal calculations.