Category Archive for : ‘Farrell Backlund’

Did you know that if you purchased all the gifts mentioned in the “12 Days of Christmas” song this year, according to the PNC Christmas Price Index, the holiday gifts would cost a total of $34,363.49?! That’s quite the price tag! Now, I’m pretty sure many of those gifts listed in the song probably didn’t make it to the top of your Christmas wish list, but did you know a lot of the gifts you did receive may not be covered on your existing renter’s or homeowner’s policy?

What if you

The battle lines have been officially drawn.  The war has ensued between direct insurance writers and Insurance Agents and the proverbial Paul Revere has long taken his proverbial ride announcing “the direct writers are coming!”  While the direct writers primarily focus on price, the independent insurance agents are able to bring far more to the table.  Working for one of the best Independent Agents in Southeastern Massachusetts, here are what I consider to be “The Distinguishing 5” benefits of working with an Independent Agent.

Claims Advocacy – The single reason you

If you have ever driven by or been in an auto accident most likely you’ve also seen an ambulance on the scene carting the injured parties off to the hospital.  As you take that ride in the steel stallion, did you ever think about who is responsible for your medical bills?  Who will pay for them if you are involved in a serious auto accident? Many of us assume that our health insurer will be the only call however, did you know that your auto insurance will help cover your

Thanksgiving Dinner!  What is typically referred to as the Smorgasbord is now done and everyone has splintered off into their own little sections.  Some watch the traditional football game while dinner settles in along with the infamous Tryptophan Turkey Coma!  So commences the sounds of family chatter, children playing, football, snoring and holiday themed music which are all a culmination to one unmistakable confirming fact; that Christmas is around the corner!

Then it’s “Go-Time;” the day you’ve been waiting for since last Thanksgiving. You’re ready to shop like a pro!  That

In my last blog “Did Prince have Life Insurance?” I broke the unfortunate news that everyone is going to die at some point.  If you are a young, healthy individual then death will be the furthest thing from your mind and it should be.  Thinking about death on a daily basis is no way to live.  However, as a licensed Life and Health insurance agent I deal with this reality (thankfully, for people other than myself) on a daily basis.  Life insurance, as unpleasant a reality as it represents, is

With a massive blizzard bearing down on the northeast, I thought it might be a good time to share some tips on how to prepare for a power outage in the cold weather. High winds and 2 feet of snow means downed power lines, falling trees, and more. Listed below are some tips to help you prepare for Mother Nature’s fury.

Put fresh batteries in all flashlights and portable radios and place them all in a central location for easy access. Also charge your electronics in advance of the storm.
Keep extra

We have great news!

FBinsure has once again expanded!  We are so excited to announce that The Gramlich Insurance Agency in New Bedford has joined the FBinsure family.   For current Gramlich Insurance customers there is no need to worry because Ray Gramlich, agency President, will remain on board and continue to work with his current clients.

Why is this so exciting you might ask?  The merger is mutually beneficial to both agencies because Gramlich clients will have access to a wider variety of insurance companies and FBinsure clients in the New Bedford

With the Thanksgiving hangover worn off, people everywhere are getting into the Christmas spirit by decorating their homes, humming Christmas carols, and shopping for the perfect gift for their loved ones. Whether you are planning to use a real tree or a fake tree to stack your presents under, below are some helpful safety tips to ensure your holiday is safe and jubilant.

-When choosing a Christmas tree, be sure that any fake tree is certified as flame retardant. Real trees should be fresh. Dry needles on a real tree are

[youtube https://www.youtube.com/watch?v=sfRUGD6TTgI]

We have heard from employers time and time again when they begin discussing Workers’ Compensation that “There’s nothing you can do about it”, “Here in Massachusetts the rates are set by the state”, “It’s out of our control”.  Well nothing could be further from the truth.  There is something you can do about it.  First you need to find a good broker who has expertise specific to the workers’ compensation injury.  In the absence of a good broker, find a consultant who is willing to come in and work

[youtube https://www.youtube.com/watch?v=TcyLDamvAVI]
Today’s dirty little secret is that not all doctors or medical professionals are created equal.  Often times we have an injured employee and we are not sure what to do with them at that point so we send them off to get some treatment.  We find that many times the employee will go straight to the Emergency Room for treatment that could certainly be handled elsewhere.  What is the problem with sending someone to the Emergency Room?  Well the problem is that emergency room doctors have been trained to