Business Details
Your Trusted Independent Insurance Partner
LJM Insurance Agency is an independent health insurance agency dedicated to providing tailored insurance solutions for seniors. We work exclusively for our clients, not insurance companies, and maintain partnerships with all top-rated carriers in your state. Our approach prioritizes education before enrollment, ensuring clients understand their options before selecting coverage. We carefully monitor the senior health insurance marketplace to identify providers with the most competitive and stable rates.Our services are completely free to clients, as we are compensated through commissions built into premiums. We specialize in Medicare Supplements, Advantage Plans, Part D prescription coverage, dental insurance, and senior life insurance, offering comprehensive solutions to meet diverse healthcare needs.
Services
Medicare Supplement Plans
Medicare Advantage Plans
Medicare Part D
Dental Insurance
Senior Life Insurance
Prescription Drug Plans
Dental & Vision Plans
Medicare Health Insurance
Highlights and features
- We work for you, not insurance companies
- Carry all top-rated insurance providers
- Never charge client fees or commissions
- Provide 24/7 contact options for support
- Offer transparent, no-hidden-fee pricing
Services
Medicare Supplement Plans
Medicare Supplement Plans help cover out-of-pocket costs not paid by Original Medicare. These standardized plans offer varying levels of coverage for deductibles, copayments, and coinsurance. Our agency helps clients compare different Medigap options to find the most cost-effective solution for their specific healthcare needs.
Medicare Advantage Plans
Medicare Advantage Plans provide comprehensive healthcare coverage through private insurance companies. These plans often include additional benefits like dental, vision, and prescription drug coverage. We help clients evaluate different Advantage Plans to find options that best match their medical requirements and budget.
Medicare Part D
Medicare Part D plans offer prescription drug coverage through private insurers. Premiums and copayments vary based on plan selection and medication tiers. Our specialists help clients navigate different Part D options to find coverage that provides the most value for their specific medication needs.
Dental Insurance
Dental insurance plans cover preventive care, routine procedures, and major dental treatments. Our offerings include various coverage levels for cleanings, fillings, root canals, and orthodontic services. We help clients compare different dental plans to find affordable options that meet their oral healthcare requirements.
Senior Life Insurance
Senior life insurance provides financial protection for end-of-life expenses including funeral costs and medical bills. These policies help reduce financial burdens on loved ones while ensuring dignified final arrangements. We offer various coverage options tailored to seniors' specific needs and budgetary constraints.
People
Loran Marmes
Owner
Loran Marmes is the founder of LJM Insurance Agency, bringing extensive experience in senior healthcare solutions. He established the agency to provide independent insurance guidance, focusing on education before enrollment and maintaining strict client-first principles.
Questions
What insurance options do you specialize in?
We specialize in Medicare Supplements, Advantage Plans, Part D prescription coverage, dental insurance, and senior life insurance for individuals nationwide.
Are your services free to clients?
Yes, our services are completely free. We receive commissions from insurance providers, so clients pay the same rates as if they contacted carriers directly.
How do you help clients choose insurance?
We provide personalized consultations to understand your needs, explain available options, and help you compare plans based on coverage, costs, and provider networks.
Can you help with 24/7 support?
Our agency offers 24/7 contact options through our website, with phone consultations available during regular business hours Monday-Friday 8am-6pm.
What makes you different from other agencies?
As an independent agency, we work exclusively for clients - not insurance companies. We maintain strict quality control over our carrier selection and pricing.
How do you ensure competitive pricing?
We continuously monitor the senior insurance marketplace and only maintain partnerships with providers offering the most competitive and stable rates.
