Contact Calfee Insurance Agency. Authorized Progressive Agency located on Cape Cod. 

Calfee Insurance
508-540-2601
336 Gifford St. 
Falmouth, MA

Contact Calfee Insurance Agency. Authorized Progressive Agency located on Cape Cod. 

Calfee Insurance
508-540-2601
336 Gifford St. 
Falmouth, MA

This is a question that most Americans are afraid of. Most Americans are scared of outliving their retirement than they are of death. The average American will be spend 20+ years in retirement. What most households risk, yet may not know... is that their standard of living may decline significantly in retirement. 

Can you handle life's unexpected financial expenses? What if you get sick? Change the way you think about and use life insurance – safeguard your family or business and enjoy more financial control during uncertain economic times. Leverage your life insurance for protection, flexibility and control while LIVING with our living benefit riders that help protect against life’s most formidable risks – dying prematurely, getting seriously ill or living longer than expected.

If you’re about to retire, do you have $1 million, and is that enough? There’s a simple way to find out, by comparing your income with your spending. Be sure to talk to your financial planner to get on the right track. Most experts say you need 75% to 85% of your final pay to maintain the same standard of living, although if you’re still carrying a mortgage, you may need 100%.

If you still don’t have enough saved, consider working longer or spending less to make sure you don’t run out of money before you die. If you’re working, delaying starting Social Security until age 70 will sharply increase the benefit.

Time to start shopping around for Auto Insurance! Would you like to save money on your current policy? Are you worried about the winter driving conditions and being under insured? Contact us for a free estimate from a local agency.

As far as the safety concern, the ban was instituted to prevent spills and to prevent a fire sparked by static electricity. That concern has diminished due to upgraded equipment that helps trap gasoline vapors, reducing the potential for them to ignite.As far as the safety concern, the ban was instituted to prevent spills and to prevent a fire sparked by static electricity. That concern has diminished due to upgraded equipment that helps trap gasoline vapors, reducing the potential for them to ignite.


The Chief State Fire Marshall noted a new state regulation to be effective January 1st that will allow gas stations to re-install those pump clips that will keep the gas running while you wait in your warm car!  MA was the only state left not allowing this.  It was proven over time that removing these clips did not reduce the chance of an accident at the pump.

Are you ready to save on your current Auto Insurance Policy? We can help you with our "Accident Forgiveness Program". 

Forgiveness applies to an at-fault accident caused by a listed Experienced Operator following the purchase of this endorsement. Only at-fault accidents caused by Experienced Operators who are listed on the coverage selections page are eligible for forgiveness. Any at-fault accidents caused by any other listed operators (for example a driver with an SDIP of 98) do not qualify for forgiveness. If a policy qualifies for forgiveness and is endorsed to add an operator with a merit rating code of 98 or 0-45, the added operator will be assigned those points and accidents by them will not be forgiven. At-fault accidents involving deferred or excluded operators will not be waived under this endorsement. 



The following terms and conditions must be met for this endorsement to apply:



.    1)  For this endorsement, Experienced Operator(s) shall mean a driver licensed for six (6) or more years having an SDIP of 99, as returned by the Massachusetts Merit Rating Board, and who is listed on the Coverage Selections Page as an operator. 

.    2)  For this endorsement, at-fault accident(s) shall mean any accident where a claim payment of at least $500 was made, in excess of any deductible, and where Arbella has determined that the operator was more than 50% at-fault. 

.    3)  Forgiveness applies to an at-fault accident caused by a listed Experienced Operator following the purchase of this endorsement. Only at-fault accidents caused by Experienced Operators who are listed on the coverage selections page are eligible for forgiveness. Any at-fault accidents caused by any other listed operators (for example a driver with an SDIP of 98) do not qualify for forgiveness. If a policy qualifies for forgiveness and is endorsed to add an operator with a merit rating code of 98 or 0-45, the added operator will be assigned those points and accidents by them will not be forgiven. At-fault accidents involving deferred or excluded operators will not be waived under this endorsement. 

.    4)  The at-fault accident was reported to us promptly. 

.    5)  There are no other accidents being forgiven on the policy. In the event an accident being forgiven during a term is no longer subject to rating under the company’s SDIP (for example, 6 years has passed since the at- fault accident occurred), the next qualifying at-fault accident will receive forgiveness upon renewal of the policy, subject to the terms and conditions of this endorsement. Only one endorsement can apply to a policy and only one accident will be forgiven regardless of the number of operators insured under this policy. 

.    6)  If any other at-fault accident occurs while an accident is being forgiven, the other at-fault accident(s) will be reflected in the premium based on the company’s filed SDIP. 

.    7)  Moving violations of any kind are not eligible for forgiveness. 

.    8)  A forgiven accident is still considered a loss for the purpose of applying other provisions of the company’s rating plan and may affect underwriting placement or eligibility.