THE 3 PILLARS OF LIVING BENEFITS
INSURANCE YOU DON'T HAVE TO DIE TO USE
FINANCIAL SAFETY NET
Access a portion of your death benefit while living if diagnosed with a qualifying critical, chronic, or terminal illness to cover vital medical expenses.
INCOME PROTECTION
Replace lost wages and maintain your family's standard of living when unexpected health events prevent you from working your normal hours.
FAMILY SECURITY
Ensure your legacy is protected. Leave a tax-free financial cushion for your loved ones while preserving your estate against unforeseen circumstances.
Your Path to Protection
WHAT TO EXPECT IN YOUR CONSULTATION
Step 01
PERSONALIZED STRATEGY
Every family’s financial landscape is different. In our consultation, we don’t offer generic solutions. We take the time to understand your specific needs, budget, and long-term goals, customizing a life insurance plan with living benefits that fits seamlessly into your life.
Step 02
ZERO-PRESSURE EDUCATION
Insurance can feel overwhelming. We eliminate the confusion by translating complex industry jargon into simple, transparent answers. Our goal is entirely focused on providing you with the clarity you need to make confident, informed decisions—without any sales pressure.
GUIDING YOUR FINANCIAL FUTURE
Grant LEber, Founder
With a deep commitment to protecting families and securing legacies, I founded the Leber Agency on a simple principle: financial security should not require you to sacrifice your present.
We specialize in General Life Insurance with Living Benefits because we believe you deserve coverage that works for you while you are alive. My team and I take a personalized, client-first approach to ensure your income, your family, and your future are completely shielded from life's uncertainties.
A+ BBB RATED
LICENSED PROFESSIONAL
CLARITY & CONFIDENCE
CLEAR ANSWERS FOR YOUR PEACE OF MIND
Is this more expensive than traditional term life insurance?
While permanent policies with living benefits have a different premium structure than basic term life, they offer significant advantages—including the ability to access funds while you are alive if you suffer a qualifying illness. During your consultation, we will find a strategy that fits your unique budget and goals.
How exactly do Living Benefits work?
If you experience a qualifying terminal, chronic, or critical illness (such as a heart attack, stroke, or cancer), living benefits allow you to advance a portion of your death benefit. These funds can be used however you see fit—to help cover medical expenses, replace lost income, or pay for in-home care.
Is my data and contact information secure?
Absolutely. We adhere to strict data privacy and A2P compliance standards. Your information is never sold to third parties, and we only use it to communicate with you regarding your consultation, application, and policy options.
Do I need to take a medical exam?
It depends on the specific policy and coverage amount. Many of the living benefit policies we offer have simplified issue options that do not require a full medical exam, relying instead on a straightforward health questionnaire and background review.
STILL HAVE QUESTIONS?
Your peace of mind extends beyond your policy to how we handle your data. We never sell your personal information, and our dedicated support team is here to provide transparent, straightforward answers.
Text messages do not constitute formal financial advice. Coverage subject to underwriting.
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