We are not tied to one company, so the advice is about your family, not one company’s catalog.
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Several carriers compared
We compare options from several carriers and lay them out side by side before you decide.
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Plain answers
No confusing jargon, no pressure and no pushy sales tactics. What it covers, what it costs and what to watch for.
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English y Español
Every call and every step in the language your family is most comfortable with. Se habla español.
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We stay with you after
When life changes, like marriage, kids or a new home, we help you review and update your plan.
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Help with claims
When your family needs to file a claim, we help them through the steps.
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The ledger
An independent agency or one company online.
The difference is a person.
What you getLezama Legacy AssuranceOne company online
Options✓ Several carriers, compared for you× Usually only that company’s products
Explanations✓ A real person who explains each choice× You read the fine print on your own
Language✓ English or Spanish, whichever you prefer× Often limited language help
Application✓ Help with the application, exam scheduling and paperwork× You handle the application and questions yourself
Afterwards✓ Someone to call when life changes or a claim is needed× Support is usually a general phone line
this is the part that matters
How it works
From letter to legacy.
1. Talk
A relaxed call in English or Spanish. We learn who you want to protect, your budget and your goals.
2. Compare
We compare options from several carriers and explain each one in plain language.
3. Apply
We help you with the application, often by phone. If the carrier asks for an exam, we walk you through it.
4. Protected
Once the policy is approved and in force, your family has protection in place. We stay with you.
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Questions
Questions you might be asking.
You get a real person who explains each option, access to more than one carrier, and someone to call later when your life changes or your family needs help with a claim. We never push coverage you do not need.
As an independent agency, we can look at options from several carriers instead of just one. We show you what we find side by side and explain the differences, so you can decide what makes sense for your budget. Prices depend on the carrier, your age, your health and the coverage you choose.
You will not have to guess. We walk through your income, debts, family situation and long-term goals with you, then explain which types of coverage fit those needs and why. You make the final decision, with no pressure.
With many term, whole life and guaranteed universal life policies, the premium is set when the policy is issued and stays level for the term or for life, as written in the policy. Some types, like annual renewable term or current assumption universal life, can change over time. We point this out clearly before you apply.
Cost depends on your age, health, the type of policy, the amount and the carrier. The simplest way to know is a quote, which is free and comes with no obligation. We can also show you how changing the amount or term changes the price.
Whenever you are ready, I am here. A call, a text or a short form, in whichever language you prefer. No cost and no obligation.