Life & Health Insurance
LIVE LIFE, LEAVE LEGACY.
PROTECT THEM BOTH.
We believe that protecting your life requires a strategy. The right strategy provides comfort while living and can protect loved ones for generations to come.
LIFE INSURANCE
Whole, Term, Indexed Universal Life, Final Expense, Guaranteed Issue, Annuities, Mortgage Protection
We can ensure that you are properly protected. Learn how life insurance can be used while you're living and to secure your loved ones long after you are gone.
SMALL BUSINESS LIFE INSURANCE
We offer various options to help small businesses provide protection for their employees. It may be just the thing to help you attract the right employees.
SUPPLEMENTAL HEALTH INSURANCE
Accident, Long Term Care, Critical Illness, Hospital Recovery
Your current health coverage may not be enough. These products can provide increased protection.
HEALTH INSURANCE
Take matters into your own hands by getting your own Medical coverage. With the increasing costs of medical bills, you can't afford not to do it.
We want our clients to be educated so that they can make the best decisions when selecting insurance coverage.
Sign up now to get access to our FREE training sessions!
Why Our Agency?
We teach and help people to protect themselves, their family, and save their wealth.
We work on your behalf...to help find what's best for YOU
We believe in educating the customer FIRST.
Integrity
Simply put, integrity is at the base of how we conduct business.
Professional Agents
Our staff is highly trained, educated, and stays abreast of best-in-class products and services.
Best Support
We are here to help you understand and select the right protections for you and your family.
Did You Know?
Your Health Insurance May Not Be Enough...
Traditional Health plans cover your medical costs, but what about the rest???
Lost Wages, Transportation, Child Care, And More...
Personal Accident Insurance provides you with cash benefits if you suffer an accidental injury; and it's an affordable addition to your medical plan that will give you extra peace of mind.
Financial Hardships Due to Serious Long-Term Illness
Critical Illness Insurance helps cover costs of the unexpected critical conditions like heart attack, stroke, cancer, and other long term illnesses.
Extended Recovery Time After Hospital Visits
Hospital Recovery Insurance can ease the pain by helping cover costs you may incur while recovering from a hospital visit. Lost wages, Rehab Services, Household help, and more...
Learn More and see how Affordable it is!
What people say about us.
Here are comments from our beloved clients
I had let my policy lapse and was worried that I wouldn't be able to afford coverage. Shawn worked with us and was able to get the coverage that I needed.
LESLIE
We had been rejected several times. Shawn was able to help us find coverage with a guaranteed issue policy. It was fast and easy.
BRENDA
About Us
NLM Insurance Agency founder Shawn Morrison is a former Information Technology consultant with over 20 years of experience. The majority of his career was spent as an IT contractor. Shawn eventually decided to make a pivot and move into insurance where he aspires to help people understand how to use life insurance to their advantage.
Additionally, Shawn is a Chef who has a wealth of experience in the catering and food truck industries. With this experience, Shawn has also consulted with many restaurants and has even provided private chef services.
Benefits...Benefits...Benefits
Introduction:
How many of us really understand our benefits? What are we entitled to? What are employers required to provide? What do I do if I'm not an employee? So many questions...
Let me try to summarize some of the most pertinent topics that you need to understand pertaining to your health insurance coverage(i.e. health benefits).
1. Employers are required to contribute to a percentage of the cost of health insurance. Most do not pay all of it; a portion comes out of your check. Pay close attention to this so that you understand what their contribution is versus yours.
2. Employers are required to have a "minimum" in terms of the type of coverage they provide. You should always understand EXACTLY what you're getting from your coverage. Read through your coverage information and ask questions. Take a look to make sure that the "minimum" being provided aligns with what you and/or your family needs.
3. Take time to understand what happens with your coverage if you leave the job or are laid off/fired from the job. Some still offer COBRA but you really should understand it. In a lot of cases, the cost of the coverage would increase and you need to be prepared for that while you make a transition into another job or new venture.
4. Make sure you understand the difference between HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization). Most people end up choosing between the two of them. There are more options as well such as POS, EPO and HDHP w/ HSA. I will not go into detail here, but make sure you understand which will work best for you and your family.
5. Make sure that you take a look at the company providing the coverage. Do some research and understand their reputation. In some cases you will not have a choice with your employer but at least you have some background on the company.
The final thing that I'd like to point out is that you always have the option of not taking the coverage that is put forth by the company. Yes you do lose their contribution but you gain the advantage of having full control of your health insurance benefits.
More than anything, just do your best to make sure you have some kind of coverage. Many have gone into major debt due to medical bills; and with the ever increasing costs it becomes critical.
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