Leigh Insurance Services
We’ve Got You Covered
With one of the Largest DIY Life Insurance Options List
If you are the kind of person who wants control of every aspect of your life, you can get real time quotes and have an approval in just minutes.
At Leigh Insurance Services, we are committed to providing quality insurance services for all your needs. We help our clients manage a wide range of risks and exposures. Contact us today to schedule an appointment with one of our experts. For a DIY Option
Packages
Comprehensive Solutions
Credit Life And Simple Term
Your Source for Protection
Our Term Coverage department is one of the busiest at Leigh Insurance Services. Our clients know they can trust us to cover them for every eventuality. Click below to set up a free appointment with one of our expert agents. OR for the DIY click below!
Retirement Supplement planning
Your Source for Retirement Protection
Our Retirement Supplement planning department is one of the largest at Leigh Insurance Services. Our clients know they can trust us to cover them for every eventuality. Click below, Answer the questions to set up a free appointment with one of our expert agents.
Critical and Chronic Insurance
The Protection You Need
We offer different packages tailored to meet your personal, ever-changing needs. Our team is happy to answer your questions and make personalised recommendations for the best Critical Insurance for your circumstances. Book an appointment to find out more.
No matter your personal circumstances, Leigh Insurance Services has the right insurance plans for you and your family.
Who We Are
Putting Customers First!
We believe that individuals should be able to have more of a choice when it comes to Life and Health Insurance.
With a unique Do-It-Yourself option it is now easier than ever to purchase a policy. If an agent is requested, we are here to answer questions and help. If not, the DIY is available.
A Reputation You Can Rely On
At Leigh Insurance Services, we offer superior customer service and reliability that sets us apart. Read on to discover some of the positive feedback we have received from our growing list of satisfied clients.
I just had another stent put in my heart, I didnot think I could get anything, and eventhough I have a quite a few health problemsthey were still able to help me get a lifeinsurance policy. They were very helpful andprofessional.
Robert L.
I was looking for a large term to take care of family, they got it for me in just minutes,thanks!
Jorrel R.
I work in the oil patch and trying to find agood time to meet just could not happen, sowe did everything over the phone in justminutes I had my very own life insurancepolicy. thanks guys.
Lee R.
Information
A few Ways to Save on Life Insurance
A medical exam is not a bad thing, in some cases it will save a lot of money in the long run. Don't settle unless it's a last resort.Use an automatic bank draft option.Ask about a different delegation of contract rolls.Be honest. dishonesty will cost in the long run.
Tips to Secure the Best Life Insurance Policy
Let us know a bit more! Regulations change so often, we are here to help.Our team consists of multiple fields of experts.Be honest! Honesty is the best policy. The best policy can be forgone by not disclosing some vital info.A medical exam is not a bad thing most cases, it can lower the monthly premium and be helpful with a Doctor if switching to a new Doctor.
Getting the Most out of Your Insurance Plan
Is your current plan out of date?It is a good idea to revisit your policy with an annual review, in an annual review you can discover things that can avoid an issue latter. Some common issues are that a client thinks they have something other than what really have.Term expires before they can make an important policy provision decision.A client has a deceased loved one as a beneficiary.A beneficiary has an outdated contact method.(very common)and the list goes on…
FAQ
We’re Here for You
Why do I need to buy insurance?
10 Reasons for not waiting to get Life Insurance!
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Life insurance is one of those things that just about everyone needs but far too few people actually have. It’s easy to put off purchasing a policy when you’re young and relatively healthy. But the longer you wait, the greater the chances of something happening before you get yourself coverage. Check out these 10 reasons why you can’t afford to wait any longer.
1.Replace Lost Income
Life insurance works to provide for your loved ones after you pass away. You have to consider what would happen if you were to suddenly. This is especially true if your loved ones rely solely on your income. Get yourself adequate coverage. That way, you won’t leave your loved ones helpless when the monthly bills come around.
2.Burial Expenses
Sadly, even a basic funeral service can run upwards of several thousand dollars. While it’s possible to buy a pre-payed plan, people don’t often think that far ahead. Pre-payment can ensure everything is in place for your loved ones after you die. However, there are risks to pre-payment. Life insurance can give you and your beneficiaries more of a guarantee, lifting a burden off of them as well as yourself.
3. Pay Off Debt
Just because you die doesn’t necessarily mean your debts will disappear. In the instance that you and your spouse have co-signed for a mortgage or other loans, your spouse may become entirely responsible for repayment. The other outcome could result in creditors trying to collect from your estate. While that gets rid of your debts, your heirs will receive the depleted remainder. Life insurance allows those you leave behind to take care of any lingering financial responsibilities.
4. College Planning
There are a number of ways to save money for your child’s education. You may not have thought that a Life insurance policy would be an option. But insurance payouts can actually provide a good supplement your savings. If your child ends up borrowing money to get through school, the insurance proceeds could also help wipe out pesky student loans.
5. Build Cash Value
TERM, a type of life insurance, stays in place for a set period of time. But another option, whole life insurance, provides permanent coverage that only ends if you cancel the policy. Whole Life insurance allows you to build up cash value over time, an attractive prospect to any people. That cash value acts as an extra cushion that you can tap at any time. This may come in handy if you have a financial emergency down the road.
6. Diversify Investments
Some people also use life insurance as an investment tool with Universal Life Insurance and Indexed Universal Life Insurance(UL/IUL) These policies are tied to a specific investment product. Then policyholders receive dividend payments based on the product’s performance. Before you dive into this kind you’ll want to read the fine print. That way you’ll know the potential risks and returns before you commit.
7. Business Planning
If you own a business, it’s vital that you have life insurance. This covers your obligations so your hard work doesn’t go to waste. Are you involved in a partnership with someone else? You should both have coverage. That way, if one of you dies, the other isn’t left holding the heavy financial bag.
8. Estate Taxes
When someone Dies, their heirs often face estate and inheritance taxes on any assets they receive. If you’re worried about your loved ones getting hit with a big tax bill, a life insurance policy can help cover these added costs.
9. Coverage is Affordable
One of the excuses people tend to make for not buying life insurance is the cost. But truthfully, coverage often ends up pretty affordable for most people. Term life tends to be less expensive than whole or universal life. Plus, the younger and healthier you are, the lower your premiums will be. Unless you smoke or have a preexisting health condition, you could find coverage for as little as $1 a day. Check to see your affordable options.
10. Peace of Mind
No one can truly predict the future. But having life insurance means you and your loved ones can prepare for any eventuality. Even with a small policy, you may find yourself sleeping a little easier at night knowing that your family has protection in place should something happen to you.
Do you offer free consultations to new customers?
New customers will get 1 free 10-15 minute session over the phone.
How do I make sure I’m not over-insured?
We will be the first to tell if somebody is over-insured, we don't just push a product. We help if you want it, After all, you reached out to us, so we will analyze what will be the best solution.