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Life & Disability

Our Agency is either appointed or is a broker for 35 major Life insurance Carriers: New York Life, Mass Mutual, SBLI, et al.


The Lotts Agency is also certified to write Annuities and Long Term Care.

Types of Life Insurance

We Help You Select the Right Policy

Together, we review your stage in life:  age, and needs, determine the most important assets to protect, and then we examine your financial strength and objectives.

Why Term Life Insurance?

Mortgage Protection • Loss of Income • Cost of Education

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