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Te guiamos paso a paso, encontramos el mejor precio entre varias aseguradoras y hacemos el proceso rápido y fácil. Tu familia merece estar protegida.
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Reach out to our knowledgeable team to
discuss your life insurance needs and
receive personalized assistance.
Licenses:
Insurance Producer Licenses
Jocksan Oviel Lezama · Lezama Legacy Assurance
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Frequently Asked Questions
Common Questions Answered for your convenience.
What type of life insurance do I need?
It depends on your goals. Term life is the most affordable for income and mortgage protection, while whole life and universal life offer permanent coverage and long-term security. We help you choose the right fit based on your family, budget, and future plans.
Will my rates ever increase?
Not with term life, whole life, or guaranteed universal life. Once your policy is active, your rate is locked in for the entire term or for life, depending on the policy you choose.
Will my rates ever increase?
Not with term life, whole life, or guaranteed universal life. Once your policy is active, your rate is locked in for the entire term or for life, depending on the policy you choose.
How do I know I’m getting the best price?
Because we’re an independent agency, we compare rates from multiple top-rated carriers. You don’t have to shop around — we do it for you.
Why should I work with an independent agency instead of buying online?
You get better pricing, personalized guidance, access to more carriers, and long-term support. And unlike most online platforms, we never pressure you or push unnecessary coverage.
How do I know I’m choosing the right policy?
You won’t have to guess. We walk you through everything—your income needs, debts, family situation, and long-term goals. Then we match you with the exact policy that protects what matters most. Our goal is simple: to make sure your family is covered, your budget is respected, and your plan actually works when you need it most.
How much coverage should I get?
Most people choose 5–10 times their annual income, plus any major debts like a mortgage. OR they will choose 10-15k to cover burial expenses. If you’re unsure, we’ll walk you through a simple formula to find the perfect amount without overpaying.
Do I need a medical exam?
Not usually. Many clients qualify for instant coverage with no exam at all. If a carrier requires an exam, we’ll help schedule it at your convenience and guide you through every step.
How fast can I get approved?
Many people are approved the same day. Some approvals happen instantly. Even fully underwritten policies are much faster than they used to be.
Is life insurance expensive?
Most people are surprised by how affordable it really is. If you’re young and healthy, coverage can cost less than your daily coffee. Even with health conditions, we help you find the best price across multiple carriers.
What if I have health issues?
No problem. We work with carriers that specialize in different health conditions. Even if you’ve been declined elsewhere, we can often find a plan that fits.
Contact Us
(509) 210-7580