Whether your goal is to leave an inheritance, protect your business, or provide a lasting benefit to a charity, we can help.

A flexible premium life insurance policy under which the policy owner may change the death benefit from time to time (with satisfactory evidence of insurability for increases) and vary the amount or timing of premium payments. Premiums (less expense charges) are credited to a policy account from which mortality charges are deducted and to which interest is credited at rates that may change from time to time.

A Universal life insurance policy can be the right choice if you want to:

• Leave an inheritance for your heirs, a charity or a university
• Make it easier to control how your estate is distributed
• Maintain coverage for both insureds' entire lives, even well beyond age 100

Guarantees apply to certain insurance and annuity products (not securities, variable or investment advisory products) and are subject to product terms, exclusions and limitations and the insurer’s claims-paying ability and financial strength.

Neither New England Securities/Baystate Financial Group nor its representatives offer tax or legal advice. Please consult your tax advisor or attorney for guidance.

Please note that Investment and Insurance Products are: not FDIC insured, not bank guaranteed, may lose value, and not insured by any Federal Government Agency. Securities products and financial planning services are offered through registered representatives and financial planners, respectively, of New England Securities Corp.(NES), a broker-dealer (member FINRA/SIPC) and a Registered Investment Adviser.  Baystate Financial Services is a general agency of New England Life Insurance Company,(NELICO), Boston, MA. NES & NELICO are affiliates. Neither Baystate Financial Services nor Reading Co-Operative Bank are affiliated with NES. Securities and variable products are only offered at 180 Haven St., Reading, MA 01867.

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