About Us

Our Company

Founded in 1989, Dobbie Insurance Agency, Inc. consists of a successful team that has been working together for over 25 years.  Ray Dobbie, Jr., CLU, ChFC, CFP®, CLTC is the primary client contact.  Ray is a member of the American Association for Long Term Care Insurance, and has been consistently recognized with the receipt of the industry’s annual Achievement Award as one of the top Long Term Care Insurance Professionals in the country.

In March 2000, Ray was one of the early graduates of the CLTC “Certified In Long Term Care” course, a rigorous multidisciplinary course that focuses on the profession of long-term care planning.  He earned his Certified Financial Planner™ designation in 1998, and Chartered Life Underwriter and Chartered Financial Consultant designations in 1987.

He is a frequent speaker at associations, professional conferences, and financial planning meetings.  He works primarily with financial and legal advisors as their resource, helping them and their clients with Life and Long Term Care Insurance planning.  Ray’s articles and columns have been published in Life & Health Advisor, LTC Daily, Morningstar Advisor, The Senior Times, and he has been quoted in many publications, including Kiplinger’s Magazine, Bloomberg Wealth Manager, National Underwriter, and TalkAboutLTC.

In addition, our 25+ year affiliations with two national, independent producer groups allows us to provide products and services that would not normally be available to a locally owned, independent, client oriented firm like ours. This gives our third-party referral sources, and their clients, access to substantial resources for both Life Insurance and LTC Insurance planning, without the corresponding sales pressure.

 

What Insurance Companies Do We Represent?

As an independent insurance agency, we decide which companies to represent based on the needs of our clients.  For a complete list of the more than fifty companies we have access to, and the process we use to evaluate them and their products, please contact us directly.

 

Is Long-Term Care Insurance the only type of insurance you offer?

No.  A plan for care may include Long-Term Care Insurance; Life Insurance with Accelerated, Chronic Illness, or LTC Benefits; Annuities with Extended Care Benefits, or Disability Income Insurance.  We have extensive experience in each of these types of insurance, and work with a network of experts to provide you with exceptional knowledge and guidance for each of these types of insurance, whether the insurance is for your overall financial planning, or focused on long-term care planning.

 

Term Life Insurance Quotes

As a service to our clients, we offer direct access to immediate Term Life Insurance quotes.  This is one of the most popular forms of insurance, and can be used as a pure death benefit policy for family protection, or as a funding alternative for a long-term care plan.  We have a specialized quoting website that allows you to view quotes from numerous companies, check your health history to see which premium rate you may qualify for, and learn about the application process.  You can access our quoting website by clicking here:  Term Life Insurance Quotes

 

How Are We Paid?

Insurance Broker:  If an insurance policy is the appropriate solution to your planning needs, we ask that you allow us to be your Broker.  We will then submit your application to the selected insurance company.  If a policy is issued, and accepted by you, we will receive a commission from the insurance company for the services we provided to you. 

Insurance Advisor:  If you would like to hire us to conduct reviews of existing policies, or provide second opinions on proposed policies from another agent or broker, as Massachusetts Insurance Advisors we are able to legally charge a fee to provide you with insurance advice. Our fees are based on the work required, and fully disclosed and agreed upon before the work is performed.

 

IMPORTANT DISCLAIMERS:  Use of this website is granted with the understanding that no person at Dobbie Insurance Agency, Inc. is engaged in rendering legal, tax, or financial advice.  If expert guidance is required in these areas, the services of a competent professional should be sought.  This website is for educational purposes only.  Under no circumstances shall Dobbie Insurance Agency, Inc., it's employees, officers, or shareholders be liable or responsible with respect to any loss or damage caused, or alleged to be caused, directly or indirectly, by a person or entity being dependent on information obtained through this or any associated website.  Dobbie Insurance Agency, Inc. is a licensed insurance agency located in Massachusetts.  Solicitation of insurance business through this website is limited to residents of Massachusetts.  Please call Ray at 781-237-0004 for additional states Dobbie Insurance Agency, Inc. is licensed.