Welcome to our “About Us” page.
Ljmlifeinsurance.com works with individuals across the nation to secure the best life insurance rates.
With access to all the top rated life insurance companies we always find the lowest rates available.
Call us or complete our quote request form and we’ll be in touch shortly.
My name is Loran Marmes, I am the owner of LJM Life Insurance, and I would like to take a moment to explain why we are your best option when it comes to Life Insurance.
First of all we are an Independent Agency, we contract with all of the top rated carriers in the country to offer you products and pricing tailored to your needs and budget.
Unlike a captive agency that only has 1 company and a handful of products, we don’t try to force you into something that doesn’t fit just to get a sale.
If a company no longer performs for our clients or engages in bad business practices, we fire them and no longer offer their products. Your needs come before that of any Insurance Company.
I strongly believe in education before the applying for coverage, that process includes me learning about your needs and circumstances as well as educating you on the various products and companies.
This philosophy not only makes for a good working relationship but ensures that you get the right Life Insurance policy to protect your family at a price you can afford.
When you call, you will speak to a live person and not some automated machine with 10 choices, none of which fit your problem. 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 allows you to meet me in real time and to follow along as we fill out your application.
I feel this is very important to keep you, our client informed as the process goes along. By going to online meetings we also eliminate the need for a salesman 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, and makes it more convenient for you.
When agents have to travel and meet face to face they incur expenses and sometimes they are more worried about how much commision they are going to make to cover those expenses, than what is actually the best product for you.
I sell across most of the country and service 98% of my clients this way, if you can open an email and click a link this process will work for you.
A little information about myself: I was born and raised in the Midwest and joined the U.S. Navy directly upon graduating high school. I was stationed for most of my tour in Washington State, attached to an A-6 Intruder squadron.
We were assigned to the aircraft carrier USS Enterprise and made 1 world cruise and 1 westpac cruise. While in the service I married my high school sweetheart and we were blessed with 2 children. (now grown)
After my four year tour of duty I went into printing as a trade, and worked at various press rooms and newspapers throughout Wisconsin, both as a pressman and as pressroom foreman.
My greatest love in printing was working with the clients and helping them solve their problems. As the printing market drastically changed from several small town mom and pop type shops to centrally located, conglomerate owned shops I started looking for the next chapter in my life.
I had family in the insurance business and with working twelve hour days half of the week, got my Health and Life Insurance license. I worked Thursday thru Sat and every other Sunday printing and sold insurance the other days of the week.
While the seven day a week schedule was tough for two years it did allow me to slowly learn my craft and ease into it, without worrying how I would pay the bills. I then retired after 2 years of that schedule and focused all my attention to the insurance market.
I specialize in Life Insurance because I have seen first hand what happens to a family when the main bread winner dies without any coverage.
I witnessed a very close friends widow have to sell her home and completely change her lifestyle after her husband unexpectedly passed without any Life Insurance and left her and two young children to pay the bills on her part time salary.
That is when I saw that I could offer the most help by educating people on what products they need to protect their family, and help them find the coverage at a price they can afford.
Some of the things we will look at when quoting for your Life Insurance needs are:
- The purpose of the policy ( what are your needs and goals)
- Are you looking for income replacement
- Coverage for debts
- Coverage for education or family needs
- Coverage for a loan guarantee
- Simply cover burial costs
- How long will you need the policy
- Your health history
- 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.