Lemana Fermic, Bankers Life Agent

Lemana Fermic, Bankers Life Agent

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I am an agent licensed to sell insurance through Bankers Life and Casualty Company. BCLIC is authorized to sell insurance in New York.

I am a Financial Advisor through Bankers Life Securities & Bankers Life Advisory Services. Bankers Life is the marketing brand of Bankers Life and Casualty Company, select policies sold by Colonial Penn Life Insurance Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). Policies are subject to state availability.

Homepage - Careers at Bankers Life 09/03/2026

People are looking for guidance. Become the person they turn to.

As a financial professional and life insurance agent with Bankers Life, you'll help clients navigate important financial decisions and plan for the future.

Explore opportunities today: https://www.careersatbankerslife.com/

Homepage - Careers at Bankers Life Bankers Life Financial Professional Careers

09/02/2026

Remember when your kids could “stretch” an inherited IRA over their lifetime? That’s no longer the case. Now they must withdraw the account within 10 years, which can mean a bigger, faster tax hit. If your estate plan was created before 2020, it might not reflect this change. Life insurance can help create a more tax-efficient legacy. Call me today to review your options. bankerslife.com/life-insurance

09/01/2026

Nearly 92 million Americans have a life insurance coverage gap.*

That's 38% of adults who either don't have life insurance or may not have enough coverage to protect their loved ones.*

Life insurance can help provide financial security when it's needed most. This Life Insurance Awareness Month, take a moment to review your coverage and make sure it aligns with your family's needs.

Message me with questions.

08/28/2026

It sounds like legal jargon, but it’s actually about your grandkids. If one of your children predeceases you, does their share go to their kids (per stirpes) or get split among your surviving children (per capita)? Most people don’t know—and it matters. Call me today to review your life insurance options.

08/27/2026

For 24 years, Bankers Life has proudly supported the Alzheimer's Association because we know the impact that Alzheimer's and other dementia can have on our customers, their loved ones and caregivers. Through the annual Bankers Life Forget Me Not Days® campaign, our offices help raise awareness and critical funds.

We're excited to share the results of this year's campaign, bringing our total impact to nearly $8.5 million. Learn more: https://cno.mediaroom.com/stories?item=66

08/26/2026

Our most savvy clients draw down their IRAs during their lifetime—and leave life insurance to their heirs. Why? Because life insurance is tax-free, probate-free, and beneficiary-friendly. IRAs are… none of those things. Call me today to review your life insurance options. bankerslife.com/life-insurance

Avoid These Special Financial Pitfalls Of Your Solo Years 08/25/2026

Retirement planning should account for every stage of retirement—including the possibility of navigating it alone. This Forbes article highlights some often-overlooked financial considerations for the "solo years" and why planning ahead matters.

Avoid These Special Financial Pitfalls Of Your Solo Years Many solid retirement plans fall apart during the solo years after one spouse passes away, because the plans do not account for key changes.

08/21/2026

Would you hand an 18-year-old $500k in cash? If your grandchildren are minors and listed as beneficiaries, that’s exactly what could happen. A trust can control when and how they receive funds—protecting them from themselves. Call me today to review your life insurance options.

08/21/2026

Happy !

I’m proud to celebrate older adults and the lasting impact they make every day.

As a Bankers Life financial professional, I’m committed to helping seniors approach retirement with confidence through personalized planning and guidance.

Message me and let’s connect.

08/18/2026

Financial confidence is a form of self-care.

This National Wellness Month, consider how retirement planning, life insurance, and protection from unexpected expenses fit into your overall wellness strategy.

A healthier future starts with a plan—for your well-being and your finances.

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1301 Riverfront Pkwy Ste 100
Chattanooga, TN
37402