Life Insurance

One of the few things that has come down in cost year after year is Life Insurance. This is partially due to better health maintenance of the general population and better management of assets by Life Insurance Companies.

At Leech Insurance, part of the American Insurance Organization, we are happy to offer you a wide choice of companies, each one being slightly different.

Our specialy is Term insurance and we offer you opportunities that have a full medical exam on application which generally results in lower costs for those who qualify, and we also offer firms without the medical or paramed exam. Some people just do not want to go through that step or want a policy more quickly. The trade off is that this carries a potential higher risk to the insurance company and is reflected in higher premeiums.

In addition to term, we offer Whole Life and Annuities.

See the page "Life Insurance Companies Represented" for some names

Background and qualifications: Our initial license was in 1982 with Primerica, a division of Travelers, and our specialty then was "Buy Term and Invest the Difference". At that time, we were a captive agent and had only one company.

Now we have several but we recognize that there are substantial differences in skills between insurance and investments, and we now leave investments to those who specialize in just that area.

In these many years, we have learned many "tricks" if you will, or "methods" to be more professional, to provide our clients with the maxium amount of coverage for the least costs. We will work with you as an indivdual and help you select the proper coverage amount for your needs, and we'll stay in touch with you for updates when your circumstances change.. marriage, birth of a child; divorce, new home and mortgage; child graduating from college or now on own, etc. Life events that change each year that change your needs.

We'll work with you in the office, your home, or via the computer where we hook up and one on one "teleconference" so you combine the convenience of "at home" while personally dealing with us.

Please contact us for any questions or assistance.