1. LBP Insurance Agency

    1. LBP Insurance Agency

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    Reading, MA

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    LBP Insurance Agency

    3.0 (2 reviews)
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    Services - LBP Insurance Agency

    Car and truck insurance

    Motorcycle insurance

    RV insurance

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    2 years ago

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    Laura P.

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    6 years ago

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    Laura P.

    Thank you for the kind words, Pamela!

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    Baystate Financial - baystatefinancial.com

    Baystate Financial

    (3 reviews)

    Steer clear of this business. I unwittingly placed by trust in agents who I feel were deceptive…read moreand unknowledgeable, and the result was the loss of many tens of thousands of dollars. They are not obligated to place your interests above their own, which I learned the hard way. I had to pay a fee-based firm to understand the details of my plans with Baystate and learn that I was misled. They were unprofessional on top of the financial loss. Don't make the same mistake ... there are many other alternatives.

    Run away from them as fast as you can! MML Investors Services in Springfield is affiliated with…read moreBaystate Financial and they will try to get away with as little effort as possible. I finally removed all my money from MML/Baystate after over a decade of getting no help or advice. I got stuck with their financial advisor, Timothy Curran, as a result of my original advisor leaving Met Life. Once I moved out of state, Timothy Curran never even called me once a year to check in over the past 15+ years. When I called him, I rarely got to talk to him directly and if I did it was very brief. He provided no guidance. I usually spoke with his assistant Karen who gave me an attitude whenever I had a question/problem and was not helpful. Whatever other money I had to invest, I went elsewhere. When I finally transferred all my money from MML/Baystate to another financial advisor with another company, I was charged for a negative balance that I found out had incurred prior to Oct 2015 (after weeks of my investigation) when Met Life merged into MML. No one told me about it or alerted me to that problem or to the fact that I was getting a 5% interest charge on the negative balance every month. I could've easily paid it off 7 years ago. It was the result of an investment that had fees that outweighed the profit, so when I asked Tim what happened to the account when I first noticed it missing on my report, I was told it was closed out. No advice, no other explanation or instructions. When I called Tim Curran for an answer in 2022 about why that negative balance kept continuing to accrue interest charges and why wasn't I told about it before 2015, his assistant said, "How should we know? You should contact MML to find out. We wouldn't have any idea why they did that!" I called MML over 10x and got a different person each time that had no idea what was going on. After more than a month of calling MML, I FINALLY spoke to a young man that explained what happened. It took him 2 minutes. He felt bad that nobody was willing to help me and actually gave me erroneous information (I was told I was wrong - that it was a credit not a debit). Tim Curran and MML couldn't bother giving me that help and info. When I asked for reimbursement for the interest charges since 2015 due to negligence on MML/Curran's part, I was denied. By the way, when I was told to call Baystate Financial directly, and was given 5 names of people to talk to, I could never get through to a human. And all the people I was told to reach to get help had voicemail boxes that were conveniently full!!

    Old Heritage Auto Insurance

    Old Heritage Auto Insurance

    (18 reviews)

    Maybe I live in Bizarro World but I've never had anything but great customer service from the folks…read moreat Old Heritage. Whenever I call them for anything (which is often, as I've had an auto policy with them for 4 years and a renter's policy for the last year), they are always extremely helpful and promptly return my calls. I can't remember ever waiting more than an hour or two for a callback. When I've shopped around for better rates at all of the usual insurance suspects (Geico, Liberty Mutual, MetLife, even Amica), Old Heritage still comes out as cheaper by a good margin. (Or rather, the insurance that Old Heritage sells -- Safety Insurance -- comes out being significantly cheaper.) I have to think that the abundance of negative reviews exemplifies the adage that the only people who write reviews on the internet are people with bad experiences. Or at least it seems that one is more likely to flock to the internets to write a negative review than to write a positive one. So consider this my attempt to strike a more fair balance.

    I will start this by saying I had successfully purchased business insurance from this company…read morewithout issue, and had auto insurance with them for about a year before rates went up without explanation. I ended up switching to Progressive.A year later I was approached by one of Old Heritage's representatives (one I had not dealt with previously named James) via email who wanted to regain my business and asked if I wanted an Auto quote. I send my info, I get a formal quote that is over 35% cheaper than my current policy $802/yr), and strangely its from the same carrier. I say it looks great, and that I want to add rental coverage but other than that everything looks great and I'm thrilled. Then a week goes by with no communication. I send a few emails, no response. I call the office, I'm told he's unavailable and to expect a call back. No call comes. Eventually he responds via email, asks who my current carrier is (we have already established this) and he then responds telling me I'm better off going direct and ends the conversation entirely thanking me for (nothing??) I'm upset, I reach back out via email, phone asking why all of a sudden the change nd demand explanation. Then he responds with a price (not a detailed quote) that's more than I am currently paying and almost double his original quote, $1488. I ask why the drastic change, and suggest maybe this is edging on the unprofessional. He denies this, offers no explanation, and still refuses to respond to my calls and voice mails seeking clarification on WHY this has changed.I finally reach out to the Office and asked to speak with someone else in charge, and they tell me after reviewing our email correspondence that in no uncertain terms it was unprofessional of James to treat me this way and that they will get me another quote. I then get another formal quote that is even more expensive, almost $1800. At this point I'm so fed up, I have wasted so much time dozens of emails, calls, time I could have spent shopping elsewhere. Never got a clear explanation, just a muted apology.I still have a business policy but after this debacle I cannot recommend this place to anyone, which is a shame.

    LBP Insurance Agency - autoinsurance - Updated July 2026

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