Who needs life insurance and disability insurance? You do.

Published March 07, 2017
Family for life and disability blog post.jpg

Vice President, Financial Services and Benefits

No one enjoys family discussions about death and disability, but to protect the future of those you care about most, talking about those topics is something you have to do. Similarly, no one enjoys paying for life insurance or disability insurance, but to provide the kind of protection you're certain to determine your family needs, life and disability policies are essential investments.

Before having that talk with your family, ask yourself these questions:

If I were to die, or if I were to sustain an injury or illness that prevented me from working for a prolonged period of time, would my family be able to maintain its lifestyle and pay its bills?

What are my family's long-term financial obligations, and how much money will be necessary to meet them?

Life insurance and disability insurance are two of the most effective means of protecting a family's financial security. To help you and your family learn more about these vital protections, we've expanded the Sylvia Group website to include new pages for life insurance and disability insurance. On these pages, you'll find:

  • brief definitions of the various types of life insurance and disability insurance 
  • details about the services Sylvia Group provides to design and deliver coverage
  • lists of companies we work with to provide a customized solution that meets your unique needs.

Death, of course, is inevitable, and disability may be far more likely than you think. According to the Social Security Administration, 1 in 4 people in their 20s will suffer disability prior to retirement age. Workers' compensation covers only accidents or illness resulting from one's job, it can take years to qualify for Social Security disability, and payments from Social Security, once they do arrive, are relatively modest. Considering all that, it's easy to see why experts advise having some form of disability insurance in addition to a whole- or term-life policy.

At Sylvia Group, I specialize in talking with clients about their financial needs and objectives, and in working with them to arrive at solutions that make sense for their families. Talk with me about which solutions make the most sense for the people you care about most. That difficult discussion with your family may not be enjoyable, but we can help make it a bit easier.


About Rose Lopes and Sylvia Group

Rose_2009_cropped.jpgA Sylvia Group Vice President, co-owner and Manager of the agency's Employee Benefits and Financial Planning divisions, Rose Lopes has more than 14 years of industry experience working with businesses and individuals to design programs that fit their strategic plans and goals. Her designs for health, dental, disability, life, long-term care and travel insurance coverage help clients protect their investments and provide security for the people they care about most.

Before joining the insurance industry, Rose served six years in the U.S. Marine Corps, earning multiple commendations and medals. She continues to serve her community President of the board of directors of the Veterans Transition House in New Bedford and as a member of the United Way of Greater New Bedford's Citizens Review Team.

Sylvia Group helps businesses and individuals protect their future by designing insurance, employee benefits and financial planning programs. We’re a third-generation, locally owned agency known for our commitment to our clients and our community, as well for our industry expertise. Founded in New Bedford, MA, in 1950, headquartered in neighboring Dartmouth, and serving businesses and individuals throughout Massachusetts, Rhode Island and beyond, Sylvia Group is certified as a Woman Owned Business Enterprise with the Massachusetts Supplier Diversity Office and has the distinction of being the first six-time recipient of the Five Star designation awarded by the Massachusetts Association of Insurance Agents (MAIA) for all-around agency excellence.

Upcoming Events

2016-17 Campaign Celebration

Wednesday, April 12
5:30-9 p.m.
Rosebrook Event Center
Wareham, MA
More Information »
Cyber Risk and Your Business: Know the Exposures

Tuesday, May 23
8:30-10:30 a.m.
Sylvia Group
500 Faunce Corner Rd.
Building 100, Suite 120
Dartmouth, MA
More Information »
Seaside Swing 2017:
Phantom of the Symphony

Saturday, June 3
5:30 p.m.
The Kittansett Club
Marion, MA
More Information »
Buzzards Bay Swim

Saturday, June 24
7:15 a.m. start
The Edge Seafood & Lounge, New Bedford, to Fort Phoenix Beach, Fairhaven
More Information »

Sylvia Newsletter

Subscribe to our newsletter for news and updates about policies, enrollment changes and new laws that affect you.


  • “Working with Sylvia Group over recent years has taken our insurance issues from 'groans and moans' to 'no problem.'Rose Lopes, our Account Manager, is one of the most responsive people I have ever worked with. She responds immediately to questions or special requests. It is such a pleasure to work with Rose, who does whatever it takes to find a solution to our needs. We are very pleased… She always has our interests in mind.”

    – Lynne Foley, Director of Human Resources, Five Star Companies, Inc.

  • “I want to thank you for this incredible resource (ThinkHR). We will be accessing it frequently and appreciate Sylvia Group making this available to Advanced Eye Centers.”

    Paul C. Abrantes – Executive Director, Advanced Eye Centers

  • “You have to have somebody like Judy Besse working with you. She’s very detail-oriented and patient. I’d be lost in a quagmire of laws, rules, regulations… I want somebody on my team as I have with Judy.”

    - Paula Gendreau , Business Manager, Greater New Bedford Regional Voc-Tech High School

  • “Sylvia Group does a wonderful job. Judy Besse’s skills, knowledge of the industry and manner of presenting complicated things in an easy to understand fashion are unparalleled.”

    - Tom Riley, M.P.A., Executive Director, Better Community Living

  • “When I needed assistance with my business insurance program, Jill (White) immediately responded – and, even more important, she listened. She understood the challenges I had with my former agent, and she and the Sylvia Group team designed a program specific to my restaurant’s needs. I’m confident that with Jill’s expertise and personal attention, Fay’s is in good hands. That gives me the peace of mind to focus on what my family and I do best: serve delicious food and provide great customer service while running a successful business.”

    – Evelyn Bettencourt, Owner, Fay's Restaurant and Knotty Pine Fine New England Catering