Life Insurance

The topic of life insurance can often seem unnerving however, every family member has a need for life insurance.  Did you know that 70% of households say they would have trouble covering everyday living expenses within months of a primary wage earner's death.  To put it simply, life insurance may be one of the most important decisions and purchases you'll ever make.  Although no one really wants to think about life insurance, if someone else is depending on you financially - this is not a topic you can avoid.

You insure assets such as your home and car, but your most important asset is your ability to earn an income.  In the event of a tragedy, life insurance can help your loved ones:

  • Pay for funeral costs
  • Pay off outstanding debt such as mortgage, credit cards and other loans
  • Help pay ongoing living expenses and other bills
  • Continuation of a family business
  • Protect your spouse's retirement plans
  • Finance future needs such as your children's education

It is never too late to get started and the process of getting life insurance doesn't have to be hard.  Top O' Michigan Insurance has made it easy to walk through and determine how life insurance can help protect you, your loved ones, and their future.  Have any of these happened to you in the past year or will happen within the next 12 months? Check all that apply to you and your immediate family.

If you check any of these life events, you should meet with our life insurance professionals to ensure your current plans still meet your needs.  Reach out to us at or fill out a quote request here.

You can also calculate your life insurance needs here courtesy of

Life. It's Worth Insuring.

There is not a "one-size-fits-all" life insurance product. Regardless of where you're at in life, we have products tailored for you including:

  • Term Life - 5, 10, 15, 20, 25 & 30 year terms
  • Term Life w/ Return of Premium
  • Simplified Term (Minimal Underwriting)
  • Keystone Accelerated Term (Quickly qualify for up to $500,000 with no medical exam and a streamlined application process.)
  • Universal Life with Death and Living Benefits
  • Whole Life for long-term goals
  • Disability Insurance
  • Long-Term Care

Insurance for Every Family Member

  • Newborns: Life insurance provides insurability and funeral expenses. Whole Life policies with guaranteed insurability riders.
  • High School and College Grads: Life insurance affords insurability and proceeds to eliminate student debt and funeral obligations. 
  • Young, Single Adult: Life insurance allows future insurability and private coverage to follow the individual during their lifetime.  Allows for financial obligations to be met: mortgage, auto loans, college debt and final expenses. 
  • Young, Married Couple: Life insurance allows for debt reduction: mortgage, auto loans, college debt, child care and final expenses.  Income replacement is of special importance, especially when two incomes are being used to maintain the household. 
  • Nearing Retirement Age:Financial Umbrella policy, pension maximization and charitable, generational giving.
  • "Golden Years": Life insurance protection for funeral costs, loan payments, medical expenses and gifting.

Our Locations

514 N Ripley Blvd
Alpena, MI 49707

(989) 356-6133

150 State St
Hillman, MI 49746

Local: (989) 742-4574

117 S State St
Oscoda, MI 48750

Local: (989) 739-1461

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

607 S Morenci Ave
Mio, MI 48647

Local: (989) 826-3989

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

322 Bay St, Ste 1
Petoskey, MI 49770-4401

Local: (231) 347-4610

440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664