Products and Services

Working for You!

When planning for retirement and shopping for your insurance coverage, you have many options. That's why you want to work with an independent agent who can shop the market and find what best fits your individual needs and budget. At Insurance Advantage and LMA Financial Services, we work for the client...not a company!

Since day one our focus has been to help our clients protect themselves and their assets against risks. We are able to do this with a variety of insurance and financial planning options.

Arkansas Public School Employee Retirement

For nearly 25 years, we have worked with school employees as they prepare for and enjoy retirement. We hold educational Pre-Retirement Workshops across the state for public school employees in order that they get the best possible information, and to reduce the confusion.

Our reputation speaks for itself when it comes to teacher retirement preparation. We'll guide you through the entire process, including assistance with all the paperwork, whether or not you buy any products from us.

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Medicare Related Products

Most people age into Medicare at age 65. Others, may begin receiving Medicare disability at a younger age. Prior to the start of Medicare coverage individuals need to understand the benefits of Medicare, the gaps in Medicare and the steps they need to take before Medicare benefits begin.

Our team of agents can educate you about your options as well as find plans that best fit your individual circumstance. Don’t try to navigate the waters alone. Contact our office today and let us educate you. The best decisions are made once you have all the facts.

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Individual Health Insurance

No one plans to get sick or hurt. However, at some point in your life, you are most likely going to need medical care, and without health insurance you are taking a great financial risk.

Having a good health insurance policy protects you from catastrophic medical costs and most of the time provides for free (or reduced cost) preventative care such as vaccines and screenings.

Our team of professionals can help you select the best health care plan for yourself and/or your family.

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Tax-Deferred Annuities

Annuities are arguably the most common, most utilized, yet most misunderstood financial products available to consumers today. In fact, most investors have no idea that there are actually four very different and unique types of annuities available to them. Instead, most people have been misled by both the media and certain financial personalities who misrepresent and lump all annuities together as if each one works exactly the same.

Are you at a point in your life where you can’t afford the down-turns of the stock market?

Would you like to participate in market gains without the risks?

If you answered yes to any or all of those questions, then you should give us a call today and learn about the advantages of fixed and indexed annuities.

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Cancer, Heart, & Stroke Insurance

Even with health insurance, a diagnosis of cancer, a heart attack or a stroke can prove to be costly. Most people don’t stop and consider that there are deductibles to meet, co-insurance amounts to pay and other costs such as travel expense and lodging. That’s why we offer low-cost lump sum cancer, heart and stroke insurance plans.

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Life Insurance

“What happens to my family, financially, after I die?”

It’s a question far too many people don’t ask themselves. And for the ones who do ask it, and take steps to protect their loved ones financially, it all too often proves to be one of the best decisions made.

Don’t leave the future of your loved ones and yourself to chance. The staff at Insurance Advantage can help find the right life insurance for you. We work with each person individually to find the coverage that best fits both their needs and their budget.

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Dental and Vision Insurance

We help individuals and families find the best dental coverage available to them. Most of our plans have the option to add vision coverage to the benefits at a low monthly cost. If you are currently without dental coverage (or want to see if there is a plan with richer benefits and/or lower premium), please contact us today.

For those individuals who are members of the Arkansas Retired Teachers Association (ARTA) you receive discounted premiums through our office. If you are a retired teacher, or thinking about retirement, contact us and see how you can keep your dental and vision benefits (without waiting periods).

We offer dental and vision plans through Delta Dental of Arkansas and Blue Cross Blue Shield of Arkansas. Vision-only plans are available through VSP.

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For more information about us and the services we offer, send us a quick email or call the office. We welcome the opportunity to speak with you. | 501-988-2726