Helping You Prepare
for the Future

Insurance Agency, Group Health insurance, Williamsport PA

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.

Serving Williamsport, PA, and surrounding areas, we also provide personal insurance and commercial insurance to meet your needs.

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 life insurance is a low-cost way of providing maximum coverage for your family. Protection is provided for a limited number of years. The insurance expires without value if the insured lives beyond the policy period, usually 5 to 20 years.

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

Universal life insurance is characterized by great flexibility. Policyholders can determine the amount and frequency of premium payments (i.e. the more you pay, the less time you will need to pay). Your premiums cover the insurance part, as well as the savings or investment element and the expense part.

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

Whole life insurance provides permanent protection for the whole of life, from the date of policy issue to the date of the insured’s death, provided that premiums are paid. Premiums are set at the time of policy issue and remain level for the policy’s life.

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.

Fixed Annuities

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

Final expense insurance helps families cope with the loss of a loved one by guaranteeing all funeral and burial expenses will be paid for. It is a perfect alternative to traditional life insurance because it is more affordable, no medical exam is required, and premiums will not increase over time.

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

For most homeowners, the mortgage is the single largest source of personal debt. Mortgage protection insurance is a specialized life insurance policy designed to pay off that debt in the event of your death.

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.

Group Health Insurance

In today’s environment, offering the right health insurance benefits can be a challenge. You want to provide the best possible plan for your employees, yet it must also be cost-efficient for your business. Gronski Lehman Insurance Agency offers health insurance for commercial customers, who need group coverage for their employees, as well as the individual or family that needs coverage.

With the changing face of health insurance in today’s market, we are staying abreast of the latest developments that will affect the coverage you expect as well as the cost impact upon you. We have a wide array of health insurance options and we are dedicated to offering our customers the best options at the best price available.

Get the insurance coverage you need by contacting us today!