LJM Life Insurnace

Welcome to our "About Us" page. At Ljmlifeinsurance.com, we are dedicated to helping individuals across the nation secure the best life insurance rates. With access to all the top-rated life insurance companies, we are committed to finding the lowest rates available to suit your needs and budget.

Our Philosophy

At LJM Life Insurance, we believe in education before applying for coverage. As an independent agency, we contract with all the top-rated carriers in the country to offer you products and pricing tailored to your needs and budget. Unlike captive agencies that only have one company and a handful of products, we don't try to force you into something that doesn't fit just to make a sale.

We believe that a good working relationship is built on understanding your needs and circumstances, as well as educating you on the various products and companies. This philosophy ensures that you get the right life insurance policy to protect your family at a price you can afford.

Our Commitment to Customer Service

When you call us, you will speak to a live person and not some automated machine with 10 choices. We can be contacted by chat, email, or phone, whichever is most convenient for you. We have invested heavily in software and online meeting products that allow you to meet with us in real-time and to follow along as we fill out your application.

We believe that keeping you informed as the process goes along is essential. By going to online meetings, we also eliminate the need for a salesperson to enter your house and disrupt your daily life. This online format also allows greater flexibility for timing of our meeting and eases the problems caused by time zone differences.

Our Experience

Our founder, Loran Marmes, has extensive experience in the insurance industry. After serving in the U.S. Navy and working in printing as a trade, Loran got his Health and Life Insurance license. He started selling insurance while still working in printing and eventually focused all his attention on the insurance market.

Loran specializes in Life Insurance because he has seen firsthand what happens to a family when the main breadwinner dies without any coverage. He witnessed a close friend's widow have to sell her home and completely change her lifestyle after her husband unexpectedly passed without any Life Insurance. This experience motivates Loran to educate people on what products they need to protect their family and help them find the coverage at a price they can afford.

Our Process

At LJM Life Insurance, we take a comprehensive approach when quoting for your Life Insurance needs. We take into consideration the purpose of the policy, the length of time you will need the policy, your health history, and your budget. By taking into consideration all of these facts along with others, we will ensure you are with the best company at the best rate for your needs.

Life Insurance is not a one-size-fits-all product; it needs to be tailored to each individual or family. At LJM Life Insurance, we understand this and are committed to finding the best policy for you.