Oh Hey there! You caught me on my coffee break. Welcome to MALM Life and Health Insurance Agency I’m Lorena and together with my mom, Merlin, We help individuals, families and small businesses protect their financial future. We do this with new products such as Life Insurance with Living Benefits that can provide you with money, when needed the most. We’re bringing a modern approach to an old industry We like to do everything either by phone , video chat or maybe screen share , whichever you prefer. And with our 3-D process, it’s very easy. First. We DEFINE what your needs and goals are Second we DISCOVER what the best options are for you . We send you a video quote explaining all of the benefits So it’s like if we’re there face to face. Third, you DECIDE with all of the options in your hands, which would best fit your needs. Best of all, you can do all of this from the comfort of your own home. Maybe in your PJs and drinking coffee So go ahead and take a look around at our website. We have some fun and funny articles that explain what it is that we do. And do give us a call. Send us a Facebook message or fill out our contact form to get started. Thanks for stopping by and make it an awesome day!