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Life insurance that does what it is supposed to do
A mortgage paid off. Kids through college. A spouse who is not left figuring out the bills. Life insurance is unglamorous protection that quietly does its job. We help Michigan families and business owners size it correctly.
Every family member has a need for life insurance
Roughly 70% of households say they would have trouble covering everyday living expenses within months of losing a primary wage earner. We insure our homes and our cars, but your most important asset is your ability to earn an income — and life insurance is what protects it for the people who count on you.
In the event of a tragedy, life insurance can help your loved ones:
- Pay for funeral costs
- Pay off outstanding debt such as a mortgage, credit cards, and other loans
- Cover ongoing living expenses and everyday bills
- Continue a family business
- Protect your spouse's retirement plans
- Finance future needs, such as your children's education
Policy types we write
- Term life (10, 15, 20, 30 year)
- Whole life
- Universal and indexed universal life
- Final expense
- Key-person and buy-sell coverage for business owners
- Group life through employer benefits
A simple way to think about how much
Cover what would actually have to be paid for or replaced if you were gone: outstanding mortgage and debts, your share of the household income for the years your family still needs it, education costs, and final expenses. Then subtract what you already have through work or savings. Your agent walks you through it — no pressure, no sales script.
Life insurance, explained in a couple of minutes
This video, “Life Insurance 101” (1m 7s), explains the importance of life insurance as a tool to protect your loved ones through different stages of life.
- Protecting dependents: Through life’s milestones — marriage, starting a business, having children — many people come to rely on your income. The video asks viewers to consider the impact of the unimaginable (0:01–0:24).
- Financial support: In the event of a tragedy, life insurance serves as a financial safety net. It can help cover:
- Immediate costs, such as funeral expenses (0:33–0:35).
- Daily living, including groceries and household bills (0:35–0:39).
- Business and estate planning, helping with the continuation of a family business and maintaining liquidity within an estate (0:40–0:47).
- Long-term goals, protecting a surviving spouse’s retirement plans and funding children’s education (0:47–0:53).
- The video closes by emphasizing that securing your loved ones’ financial future is a priority worth addressing as soon as possible (0:53–1:01).
Life insurance, answered
How much life insurance do I need?
A common starting point is around 10 to 12 times your annual income, then adjusted for your debts (like a mortgage), future needs (such as kids’ education), and savings you already have. A short conversation with an agent helps you land on a number that fits your family.
What’s the difference between term and whole life insurance?
Term covers you for a set period (commonly 10 to 30 years) at a lower cost and is popular for income replacement during working and parenting years. Whole life lasts your lifetime and builds cash value at a higher premium, and universal or indexed universal options add flexibility. The right fit depends on your goals.
Is term or whole life better?
Neither is simply “better” — it depends on your goals and budget. Term is cost-effective for temporary needs; permanent coverage suits lifelong needs and estate or business planning. As an independent agency, we compare both across carriers.
I have life insurance through work — do I need more?
Often, yes. Group life through your employer is a great start but is usually limited (frequently one to two times salary) and may not move with you if you change jobs. Many people add an individual policy for lasting, portable coverage.
Do business owners need life insurance?
It can be important. Key-person and buy-sell coverage help a business weather the loss of an owner or critical employee by funding continuity or a buyout. It’s worth a conversation if you own a business.
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A short, honest conversation
Fifteen minutes with a local agent and you will know where you stand.