James Brenneis / Legacy Life And Health Insurance Broker

We offer the lowest rates and can get you approved over the phone in minutes

Are taking control of your own future ?

TRUE STORY : I showed up to this house yesterday (after leaving a delivery notice and getting a call back). We prayed and she bear hugged the life out of me afterwards. I love my clients !

Are you still questioning whether you need life insurance but not thinking twice about buying that new phone ?

Lower Rates For Members Only as much as 70% less than other companies ? REALLY AAA ? Below are term life insurance rates AAA offers that I just received in the mail. I have had multiple clients with them save a lot of money on premiums by shopping for life insurance. As you can see by rates below, the cost for 300,000 of term life insurance for a man 40 yrs old (non-smoker) is 49 a month. HOWEVER its only a 5 year term and it goes up substantially every 5 years and then c...ancels at 80 no matter what (see highlighted fine print). Over the course of 10 years with AAA you would pay : Age (40-44) 49 month = 588 yr for 5 yrs = 2,940 Age (45-49) 71 month = 852 yr for 5 yrs = 4,260 Total premium = 7,200 for 10 yrs of coverage age 40-49 By comparison, I can get a standard rate of 43 (and possibly much lower based on health) a month for a 40 year old male that is locked for 10 years instead of 5. One of my top companies w/ No physical exam required : Age (40-49) 43 month = 516 yr for 10 yrs = 5,160 That is a savings of almost 2,000 dollars over 10 years and an example of how I save my clients money every day on their coverage. In 10 minutes we can review your policy at no cost to see exactly how much money your family will save. PM me or comment for a quick review over the phone.

There are over 1,000 insurance companies out there. We shop through all of them to make sure you have the best fit for your age,health,budget. If you only contacted one company or didn't get an expert to help it can lead to high premiums and even a wait for your coverage to be in effect. True story from last week. Had a really nice man who is 70 years old. He has diabetes but otherwise in good health. I shopped through some of my leading carriers and this was the result. Li...ncoln Heritage - About 156 month w/ 2 year waiting period Mutual Of Omaha - About 120 month w/ 2 year waiting period American Amicable - About 120 month w/ 2 year waiting period Royal Neighbors Of America - Roughly 75 month w/ IMMEDIATE COVERAGE Which would you choose ?

Time to re-think donating your body to science