Family

At LMT Insurance Services we understand the importance of protecting and providing for your family, but with so many goals to save for – a house, the kids’ college tuition, your retirement,  vacations and a small emergency fund – it’s easy to feel there’s just not enough money to do it all.  A major illness, an extended disability, or the loss of a life could wipe out your financial reserves, and any prospect of being able to save enough to achieve your other goals.  You don’t have to walk this road alone, let one of our life advisers put you on the right track.  We’re there to protect you at the worst of times, and there to congratulate you at the best of times.

Insurance

At LMT Insurance Services, we are dedicated to protecting your family in every way possible.  Have you asked yourself,  what type of financial position will your family be in when you die?  Yes, when you die not if.  We are all going to die one day but what if it happens to you sooner then you expect?  Our goal is to provide our client’s with the knowledge they need to make the most informed and confident decisions for themselves and their family. Whether it is term life insurance, universal life insurance, or mortgage protection you are interested in, our licensed team of agents will be able to assist with any questions you may have.  As a brokerage house we are able to recommend the most competitive, yet more importantly the most appropriate plans to ensure the security of your family’s future.  We deal with dozens of companies because each family has a unique situation with various needs that no one company can fulfill.

Long Term Care

When are the cooks, maids, and gardener going to be a necessity and no longer an amenity?  One part of many couple’s portfolio is their Long Term Care coverage. For a couple turning 65, there is a 70% chance that one of them will need LTC.  As the Baby Boomers age, the statistics continue to increase.  Studies have shown that 65% of people over the age of 75 need LTC, as well as 97% of anyone age 85 or older.  Even more devastating, over 50% of all people that enter a care situation are penniless within one year.  Each year the longevity of the human life span rises so it is imperative that this issue is addressed.  A specialist at LMT can show you how to protect your family today and yourself in the future.  LTC insurance is just one piece of the puzzle to ensure that your lifestyle in your golden years continues just as it is today.

College

Babies are a blessing.  They bring joy and happiness, but also major responsibilities. Every parent’s dream is for their children to attend the best college.  A college education is among the greatest assets a person can have, but more often than not it is merely a dream for many parents because the cost of college is prohibitive.  There are many ways to save for college.  It can be confusing, specially choosing between the many savings vehicles.  It is very important that you as a parent start saving for your children’s education as soon as possible.  It is never too late to start, but time is the most valuable asset.  The sooner you start saving for college, the more time your money will have to grow.  When it comes to saving for college: Time is Money.  It is less expensive to save for college than it is to borrow for it.  It’s really quite simple, allow the team at LMT Insurance Services to show you how.

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