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You now can quote and apply for Individual Health with Blue Cross.  Click on the MyBlue logo below.
Top O' Michigan Insurance Financial ServicesIntroducing Financial Services by Design

Our team is here to serve all of your financial service needs.  We specialize in both individual and group programs for your health, life, disability, retirement needs. 


Check out one of our newsletters.  Each month we update these with topics of interest to our clients.

Financial Planning  Click to access this months newsletterTop O' Michigan Insurance Life & Health Newsletter


Susan Osbourne
Administrative Assistant
Financial Services by Design

A subsidiary of Top O' Michigan Insurance Agency, Inc.

Susan joined Top O' Michigan Insurance in 2005. She assists the Sales Representative for Life and Health and is available to assist you with comparative quotes along with billing and claim issues. Susan is located in our Financial Services building on 1st and Campbell St. in Alpena.


Term Insurance QuoteClick on Symetra Financial to Quote and Apply for Term Life coverage.   




Click to quote Individual Health for you and your Family

Click to quote Individual Health for you and your Family

Click on MyBlue for your own quote on Individual Health.  You can even apply for coveage on line.


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Group Benefits

Top O' Michigan Insurance provides onestop shopping to meet all our clients' needs.  Our licensed Michigan group health and life agent can assist with group products for our clients.  Continue surfing our web site or e-mail us and we will guide you with any assistance you may need.

Our office is affiliated with Blue Cross/Blue Shield of Michigan.  Our group health and life agent can assist employers in reviewing the unique group health needs of your business; we help choose the plan and ensure you and your employees are getting the best benefit packages available.

Long Term Care

Long Term Care should be an integral part of your retirement plan.  70% of people who enter a nursing home deplete their savings and other assets to fund one year of care.  Long Term Care services range from help with routine tasks like bathing, dressing and cooking, to skilled nursing care.  Top O' Michigan Insurance can assist you with a policy that covers the full range of these services.  We represent most of the major companies in the marketplace such as:

Term Life Insurance

Top O' Michigan Insurance makes buying life insurance simple and convenient.  There is nothing more simple, more basic, than term protection.  Compared to other life insurance policies, term is the most economical way to protect your loved ones.  Your plan for protection should not be complicated or expensive; call or email Top O' Michigan Insurance today and ask about our life insurance services.

 
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