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...0 and $25,000 are the subject of Municipal Court. A lawyer's assistance is hig...s because of the attorney's fear of liability. Honest communication and a clea...

..., whether a school district or a municipality, has many responsibilities to many people. Because of this, your liability exposure is much higher than average. That's why insurance is so important. (Your Agency Name)...et up an appointment to review your insurance program. Or call us today. Sin...

...nwealth of Massachusetts and all municipalities in which the Agency has been l...roperty 3(u) Leased Property 3(x) Insurance Policies 3(y) Brokerage Agreeme...

... present Life policies. Standard-vehicle investors: Over $1 trillion is invested right now in standard vehicles such as Certificates of Deposit, passbook savings accounts, money market accounts, and treasury bills. About 75% of your clients and prospects have one of these investments. Municipal bond holders: A substantial number of your clients and prospects invest in municipal bonds-the municipal bond market amounted to $97 billion in 1986. What are the drawbacks? The rate of return is locked in for five to 30 years. The bond may decline in ... premium-driven, ranges from 3% to 6% . The Life insurance part of the policy works like a regular policy. The insured pays a one-time premium and earns interest on that premium, or investment. The policy's interest rate depends largely on the marketplace, but generally is guaranteed to be at least 4% . If the policy is left untouched, at death it will pay out, tax-free, the full face amount, which includes the premium plus accrued interest. And, like all Life insurance, Single-Premium Whole Life provides ... liquidity. Death benefits go directly to the beneficiary without any income tax liability and without going through probate. However, the real benefit of Single-Premium Whole Life insurance is as a cash accumulation vehicle. There are few vehicles available today that allow an investor to put money in and draw money out without having to pay immediate taxes on it. Single-Premium Whole Life provides that advantage. The insured pays the lump sum, earning interest on that amount. The amount of interest earned each year may be borrowed, tax-deferred, usually with a ...

...e of these investments. Municipal bond holders: A substantial number ... be aware that corporate-owned Life insurance is subject to the alternative mi...

... than as set forth on SCHEDULE 3(e ) is required for the conduct of such business. The Agency has been operated in a manner which is in compliance with all applicable laws, regulations and ordinances of the United States, the Commonwealth of Massachusetts and all municipalities in which the Agency has been located, to which laws, regulations and ordinances the Agency is subject. No license or permit issued to the Agency at any time has ever been revoked, suspended or rescinded. The Agency has one class of stock, to ... carry out the transactions contemplated hereby. This Agreement constitutes the legal, valid and binding obligation of the Sellers, enforceable in accordance with its terms, except as enforcement may be limited by bankruptcy and insolvency laws and other laws affecting creditors' rights and subject to the general principles of equity affecting the right to specific performance and injunctive relief. The execution and delivery of this Agreement and the performance of the transactions contemplated hereby will not (i ) result in a breach of or constitute default under or give rise to rights of any ... ' knowledge, in accordance with generally accepted accounting principles, consistently applied throughout the periods covered thereby and present fairly the financial condition of the Agency as of the dates thereof. The aforesaid financial statements make adequate provision for or disclosure of all fixed, absolute and contingent liabilities, obligations and commitments of the Agency including, but not limited to, accrued taxes as of the dates thereof. No material adverse changes or events have occurred or will occur prior to the Closing hereunder affecting the condition of the Agency, financial or otherwise, ...

... than as set forth on SCHEDULE 3(e ) is required for the conduct of such business. The Agency has been operated in a manner which is in compliance with all applicable laws, regulations and ordinances of the United States, the Commonwealth of Massachusetts and all municipalities in which the Agency has been located, to which laws, regulations and ordinances the Agency is subject. No license or permit issued to the Agency at any time has ever been revoked, suspended or rescinded. The Agency has one class of stock, to ... carry out the transactions contemplated hereby. This Agreement constitutes the legal, valid and binding obligation of the Sellers, enforceable in accordance with its terms, except as enforcement may be limited by bankruptcy and insolvency laws and other laws affecting creditors' rights and subject to the general principles of equity affecting the right to specific performance and injunctive relief. The execution and delivery of this Agreement and the performance of the transactions contemplated hereby will not (i ) result in a breach of or constitute default under or give rise to rights of any ... ' knowledge, in accordance with generally accepted accounting principles, consistently applied throughout the periods covered thereby and present fairly the financial condition of the Agency as of the dates thereof. The aforesaid financial statements make adequate provision for or disclosure of all fixed, absolute and contingent liabilities, obligations and commitments of the Agency including, but not limited to, accrued taxes as of the dates thereof. No material adverse changes or events have occurred or will occur prior to the Closing hereunder affecting the condition of the Agency, financial or otherwise, ...

... than as set forth on SCHEDULE 3(e ) is required for the conduct of such business. The Agency has been operated in a manner which is in compliance with all applicable laws, regulations and ordinances of the United States, the Commonwealth of Massachusetts and all municipalities in which the Agency has been located, to which laws, regulations and ordinances the Agency is subject. No license or permit issued to the Agency at any time has ever been revoked, suspended or rescinded. The Agency has one class of stock, to ... carry out the transactions contemplated hereby. This Agreement constitutes the legal, valid and binding obligation of the Sellers, enforceable in accordance with its terms, except as enforcement may be limited by bankruptcy and insolvency laws and other laws affecting creditors' rights and subject to the general principles of equity affecting the right to specific performance and injunctive relief. The execution and delivery of this Agreement and the performance of the transactions contemplated hereby will not (i ) result in a breach of or constitute default under or give rise to rights of any ... ' knowledge, in accordance with generally accepted accounting principles, consistently applied throughout the periods covered thereby and present fairly the financial condition of the Agency as of the dates thereof. The aforesaid financial statements make adequate provision for or disclosure of all fixed, absolute and contingent liabilities, obligations and commitments of the Agency including, but not limited to, accrued taxes as of the dates thereof. No material adverse changes or events have occurred or will occur prior to the Closing hereunder affecting the condition of the Agency, financial or otherwise, ...

... than as set forth on SCHEDULE 3(e ) is required for the conduct of such business. The Agency has been operated in a manner which is in compliance with all applicable laws, regulations and ordinances of the United States, the Commonwealth of Massachusetts and all municipalities in which the Agency has been located, to which laws, regulations and ordinances the Agency is subject. No license or permit issued to the Agency at any time has ever been revoked, suspended or rescinded. The Agency has one class of stock, to ... carry out the transactions contemplated hereby. This Agreement constitutes the legal, valid and binding obligation of the Sellers, enforceable in accordance with its terms, except as enforcement may be limited by bankruptcy and insolvency laws and other laws affecting creditors' rights and subject to the general principles of equity affecting the right to specific performance and injunctive relief. The execution and delivery of this Agreement and the performance of the transactions contemplated hereby will not (i ) result in a breach of or constitute default under or give rise to rights of any ... ' knowledge, in accordance with generally accepted accounting principles, consistently applied throughout the periods covered thereby and present fairly the financial condition of the Agency as of the dates thereof. The aforesaid financial statements make adequate provision for or disclosure of all fixed, absolute and contingent liabilities, obligations and commitments of the Agency including, but not limited to, accrued taxes as of the dates thereof. No material adverse changes or events have occurred or will occur prior to the Closing hereunder affecting the condition of the Agency, financial or otherwise, ...

... than as set forth on SCHEDULE 3(e ) is required for the conduct of such business. The Agency has been operated in a manner which is in compliance with all applicable laws, regulations and ordinances of the United States, the Commonwealth of Massachusetts and all municipalities in which the Agency has been located, to which laws, regulations and ordinances the Agency is subject. No license or permit issued to the Agency at any time has ever been revoked, suspended or rescinded. The Agency has one class of stock, to ... carry out the transactions contemplated hereby. This Agreement constitutes the legal, valid and binding obligation of the Sellers, enforceable in accordance with its terms, except as enforcement may be limited by bankruptcy and insolvency laws and other laws affecting creditors' rights and subject to the general principles of equity affecting the right to specific performance and injunctive relief. The execution and delivery of this Agreement and the performance of the transactions contemplated hereby will not (i ) result in a breach of or constitute default under or give rise to rights of any ... ' knowledge, in accordance with generally accepted accounting principles, consistently applied throughout the periods covered thereby and present fairly the financial condition of the Agency as of the dates thereof. The aforesaid financial statements make adequate provision for or disclosure of all fixed, absolute and contingent liabilities, obligations and commitments of the Agency including, but not limited to, accrued taxes as of the dates thereof. No material adverse changes or events have occurred or will occur prior to the Closing hereunder affecting the condition of the Agency, financial or otherwise, ...