Insurance & Financial Services

Your Trusted Guide Through Insurance & Financial Services

Navigating health insurance, and financial benefits shouldn't feel overwhelming. We're in your corner — listening, guiding, and working for you every step of the way.

What we do

We Handle the Complexity So You Don't Have To

From choosing the right Medicare plan to fighting for your claims, we're your personal agent in a complicated system.

Medicare Plans

We help you compare and enroll in Medicare Supplement, Medicare Advantage HMO, PPO, PFFS, and Prescription Drug Plans — finding the coverage that truly fits your life and budget.

Claims Assistance & Prior Authorizations

When you need to file a claim or get a procedure approved, we work directly with your doctors and insurance company to cut through the red tape and get you results.

Expedited Appeals

If your claim has been denied, we don't give up. We guide you through the appeals process — quickly and thoroughly — so you get the coverage you're entitled to.

Small Business Benefits

We help small business owners navigate employee benefits, group health plans, and financial services — so you can attract great people and protect what you've built.

Why clients choose us

A Partner You Can Count On

No Fees

for Medicare insurance products

0–15

organizations represented in your area

0–79

plan options available depending on your location

5-Star

Medicare plan ratings evaluated annually by Medicare

A small service fee may apply for claims assistance, and expedited appeals. We do not charge any fees for Medicare insurance products.

Insurance advisor working with a client

Our approach

We're With You at Every Step

01

We Listen

Every situation is unique. We start by truly understanding your health needs, budget, and concerns — no scripts, no pressure.

02

We Guide

We explain your options in plain language, compare plans side by side, and help you make a confident, informed decision.

03

We Support

Our relationship doesn't end at enrollment. When you need us — for claims, authorizations, or appeals — we go to bat for you.

Senior couple reviewing insurance options together

We're Here When You Need Us Most

Whether you're turning 65, reviewing your current coverage, or dealing with a denied claim — a free conversation with us costs nothing and could change everything.

  • No fees for Medicare insurance products
  • We work directly with doctors and insurers
  • Claims, prior authorizations, and appeals support
  • Serving individuals and small businesses

No fees for Medicare products. A small service fee may apply for claims, and expedited appeals. No pressure — just honest guidance.

LDM Insurance Services

Your trusted guide through insurance and financial services. We're in your corner — every step of the way.

Our Services

  • Claims Assistance
  • Critical Illness
  • Dental, Vision, Hearing
  • Hospital Indemnity
  • Individual HRA, HSA Plans
  • Life Insurance
  • Long-Term, Short-Term Care
  • Medicare HMO, PPO, PFFS, PDP
  • Medicare Supplement Plans
  • Retirement Benefits
  • Small Business Solutions

Contact Us

Our agents represent Medicare Supplement, Medicare Advantage HMO, PPO, PFFS, and Prescription Drug Plan organizations that have a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment depends on the plan's contract renewal. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply. Every year, Medicare evaluates plans based on a 5-star rating system.

We are not connected with or endorsed by the United States Government or the federal Medicare program.

We do not offer every plan available in your area. Currently we represent 0–15 organizations which offer 0–79 products in your area. The number of plans available in your area may vary depending on the state and geographical location where you live. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

The exact carrier and plan counts are determined by your zip code and county.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance. If you are already a member, please contact your health plan to file a complaint.

Final expense life insurance may not cover the entire cost of your funeral and may be used by the designated beneficiary for any purpose rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn't require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. A policy owner does not have the ability to make unlimited payments into the policy. If too much is paid into the policy, it will become a Modified Endowment Contract (MEC) and withdrawals and loans will be taxable. Coverage may not be available in all states and may vary by state. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.

An annuity is an insurance contract between an insurance company and a contract owner. An annuity can be used to help save for supplemental income for retirement and/or preserve funds already saved for retirement. Interest and other guarantees in an annuity are subject to the claims-paying ability and financial strength of the insurance company that issues the product. Annuities are long-term vehicles. Many have surrender charges over many years, and withdrawals from an annuity prior to age 59 ½ may be subject to a 10% tax penalty. The growth in an annuity is tax-deferred, but taxes will be owed on withdrawals. Any withdrawal will reduce your annuity insurance contract value. Consult your annuity insurance contract for specific terms and conditions. Insurance agents do not provide, tax, legal or accounting advice.

Multi-year guaranteed annuities (MYGAs) are a type of fixed annuity with a guaranteed interest rate that typically lasts for multiple years. Fixed Indexed Annuities (FIAs) do not involve investments in an index. The index performance used to calculate credited interest typically does not include dividends. Some FIAs involve the use of multiple indexes. Methodologies for crediting interest differ among FIA products (e.g., point to point, high water mark, annual resets, single year, multi-year, etc.). Interest crediting methodologies may include caps, participation rates, spreads, margins, or fees that may change from time to time depending on the product.

Licensed Insurance Agent in AZ, CA, CO, ID, NE, NV, RI, SC, TX, UT, WA. National Producer Number (NPN): 14776111. CA License#: 0G80934.

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