I started with Barb because I had been fussing with my old personal lines carrier about their billing cycle. I sure wasn’t expecting the thoroughness of her presentation, and her genuine concern that we had adequate coverage for our situation. The cost was about the same, but the care so much better that we switched. With no pressure from the agency, we submitted our business insurance for review and they recommended some things that made very good sense, again at a reasonable price, so we switched that over. The office responds to our customer’s request to provide COI’s immediately and accurately. So, having done so well with all things insurance, when I lost my private health coverage, among many options, I checked with the agency about putting together a company plan, which we now offer to our employees. I can’t say enough about the genuine interest that this agency has in making sure we are balancing the cost of insurance vs our genuine need for protection. They’re pleasant, easy to work with, personable, and have our best interest at heart.
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More Life and Income Policies
Individual Life Products in Chesterland, OH, and Chardon, OH
REASSURANCE FOR YOU AND YOUR LOVED ONES.
Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, life insurance can relieve you of the financial worry your loved ones may face in the event of your passing.
Your beneficiaries will be able to use your life insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage.
At Luczkowski Agency Insurance and Financial Services, we know that choosing a life insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals are committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve.
Types of Individual Life Insurance
Luczkowski Agency Insurance and Financial Services offers several different coverage options for your consideration including term life and whole life insurance.
Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.
There are two types of term life insurance:
- Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
- Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest.
Luczkowski Agency Insurance and Financial Services is here for you
There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs.
An insurance specialist with Luczkowski Agency Insurance and Financial Services will review your current life insurance situation and help you design a policy to plan for the future.
At the end of the day, one of the biggest investments you can make is an investment in yourself.
As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.
NFW-7748AO (02/18)
Group Life Insurance in Chesterland OH, and Northeast OH
YOUR EMPLOYEES ARE THE BACKBONE OF YOUR BUSINESS.
Having an impressive benefits package is essential for maintaining a happy and productive workforce. Since life insurance is the foundation of every health package, employees look to their employer to provide that valuable coverage not only for themselves but also for their families.
At Luczkowski Agency Insurance and Financial Services, we offer a variety of flexible group life insurance solutions that benefit both you and your employees. As an employer, you can enjoy financial advantages such as income-tax deductible premiums and life insurance protection at a low group rate. Group life insurance also can contribute positively to the productivity of your business by reducing employee turnover and strengthening employee morale and loyalty.
To learn more about the group life insurance options available to your business, get in touch with a specialist at Luczkowski Agency Insurance and Financial Services. Our professional staff will gather information about your business and help design a plan that fits your needs and objectives for a desirable group life plan.
As your personal situations change (i.e., marriage, the birth of a child, or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.
NFW-7749AO (02/18)
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What our clients say about us.
I’ve been working with Barb and her team for the past several months. I’ve been truly impressed with their level of service and professional expertise. They absolutely know this industry and how to help families and businesses in the community.
Randy Rohde
Barb and her staff are professional and help their clients find the best rates available. They are the best agency I have ever been with and offer a wide variety of services to help all their clients!
Michelle Serfozo
Very Professional and Dedicated Staff. Absolutely Courteous, Dedicated, Prompt and we always felt at home while dealing with them for almost over a decade and never thought of switching in spite of several price down offers. Good Luck, Keep up the good work.
Ramesh Vaid
A great place to handle your insurance needs! They have consistently been helpful when I call them and quick to answer questions or concerns. Very nice people to deal with in the over 10 years that they have been my primary insurance agency!
Roger Loveland
I have been with the Luczkowski agency for many years and will continue to do so for many more years to come. They strive to provide excellent customer service. I feel like a valued customer and I appreciate knowing if I ever need help my agent will be there for me.
Louise F.
EXCELLENT CUSTOMER SERVICE! You are treated like family! Barb and her staff go above and beyond for their customers! They are active with not only with their customers but also with the community ( an A++ in my book!) They are knowledgeable, kind and very prompt getting you information, getting you the best rates on any coverage or answering questions. I HIGHLY RECOMMEND this office and Nationwide!!
Kristine Shreves
Barb and the agents at the Luczkowski Agency are GREAT!! Whenever I have a question, I do not hesitate to call or send an email because I know they will get back to me with an answer. They are kind, efficient, and extremely helpful. Recently, I switched with another carrier associated with the Luczkowski Agency because Barb wanted to help bring my high insurance rates down. She knew that being a single parent with a college student was costly for me. I cannot say enough good things about this agency.
Melissa Eisel
We have been with Nationwide for almost 20 years now and wouldn’t think of switching to anyone else. We have been with Luczkowski Agency for a lot of that time and they take excellent care of us. We get great rates and they update them twice a year and give us savings anytime they are available. When other homes on our street got flooded, we were the only ones who actually got help from our Insurance Company! The only ones. I couldn’t believe the other companies didn’t do anything for their clients. They have gone out of their way to make life bearable when it has been hard and trials have come. We have used the car towing service repeatedly and they have always been there. We love Nationwide and think they are exceptional.
David Marks
Great agency! Always very helpful finding the coverage I needed. Was very quick to respond to any questions or concerns I had.
Louise Reames
They shop around and always get you the coverage you need at an affordable price. Staff is friendly and very knowledgeable.
Dale D,
The Luczkowski Agency always exceeds my expectations and the team provides outstanding customer service! I can call them with any questions and get an immediate answer from someone I know at the agency. I love the service and I highly recommend the Luczkowski Agency for all of your insurance needs.
Frank S.
I’ve had an excellent experience working with the Luczkowski Agency. Their communication is fantastic, they are pleasant to speak to, and are extremely helpful. I have multiple insurance policies with them and will be continuing to work with them. I highly recommend it.
Daniel C.
Barb and her team are the best. Service and attention to detail assure me that I have the right coverage, no more or less than I need, and at the right price. I have homeowners, auto, and even my motorcycle insurance with the Luczkowski Agency.
I had an auto claim, repairs done at the shop I chose, and no hassles at all getting the work paid. The follow up was great, Barb called to be sure the work was done and I was happy.
I give Luczkowski Agency my highest rating!
Norm I.
Insurance is a vital need in this busy and changing world, and you need care and support from knowledgeable and caring professionals…, and that would be The Luczkowski Agency Insurance & Financial Services.
For years this team has helped me find exceptional and affordable care for the entire family.
When we needed the Luczkowski team most, they were there for us.
I’m so grateful for the peace of mind and kind, caring support.
The Luczkowski Agency is the best insurance and financial service company in the business.
Elaine S.
Barb and her team are knowledgeable, professional, and dedicated to helping their clients–even if they may not be the best price. I would definitely recommend them!
Julia B.
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