Helping You Prepare
for the Future
Life & Group Health Insurance
Gronski Lehman Insurance Agency works with several top-rated insurance companies to ensure that you can find the coverage and benefits you need. From individual life insurance to group health insurance, we can help you make a sound and informed decision.
Life Insurance Policies
We offer a complete line of life insurance products that are crafted to meet you and your family’s specific needs.
Individual Life Insurance
An individual life insurance policy can help you secure your family’s financial future. However, the kind of policy you choose depends on your needs.
Term Life Insurance
Term insurance premiums will not increase during the guaranteed policy time period you select. Term life insurance pays a death benefit only if you die during that term. Term insurance generally provides the largest insurance protection for your premium dollar.
Universal Life Insurance
The stated interest on the investment portion changes along with movement in interest rates. Moves in 1/4% interest steps are typical as banks and other financial institutions make similar moves.
Whole Life Insurance
Unlike term insurance, whole life combines insurance protection and savings or cash value which builds over time. Cash value build-up may provide a source for living benefits, such as helping pay off a mortgage or a child’s education, or cash surrender value if the policy is ever canceled.
A fixed annuity can help you accumulate tax-deferred earnings as part of your overall retirement plan. Annuities offer the opportunity for lifetime payments and tax-deferred earnings, providing a guaranteed death benefit for your beneficiaries. All guarantees are backed by the continued claims-paying ability of the issuing insurance company.
You may want to consider investing in an annuity as part of your long-term financial strategy if:
- You’re in a higher tax bracket and want to defer additional income.
- You’ve reached your deductible limit on all your retirement accounts and wish to save more for retirement.
Final Expense Insurance
In addition, final expense insurance can provide funds to your family within 24-48 hours of your passing, whereas traditional life insurance plans can take weeks to pay out. This instant, short-term monetary relief can be crucial for staying current with mortgage payments and covering day-to-day living expenses.
Mortgage Protection Insurance
Like most life insurance, mortgage protection insurance eases the financial burden of your loved ones. No matter the circumstances, your family will never be in jeopardy of losing its home as long as you put a custom mortgage protection insurance plan in place.