Life Insurance Agents in Michigan

Find the best agent for your insurance needs

AL Spearman insurance agent in michigan

Al Spearman

 ✔ verified 
“Coverage you can trust.”
Insurance Products – Business Insurance, Personal Insurance
Associated Carriers – SafeCo, Progressive, Berkshire Hathaway, Hippo, Nationwide, Allstate, National General, Neptune, Wright Flood, US Assure, Hagerty, American Modern, Lemonade, JIBNA, Jewelers Mutual, Amwins, Foremost, Bristol West, and other insurance companies
📍Redford Charter Township, Michigan, 48239
local insurance agents in michigan

Anthony Mccowin

“To help secure families legacies one home at a time!”

Associated Carriers – Aetna, Molina, Humana, United Healthcare, Aetna, Transamerica, Gerber, Mutual of Omaha, Lumico, John Hancock, Breeze

📍Oak Park, Michigan, 48237
Austin Smith insurance agent

Austin Smith

“No games. No gimmicks. Just proper protection at fair prices.”
📍Orion Township, Michigan, 48362

It’s a huge decision with a lot to think about when planning for the future and safeguarding the people you care about with life insurance. For people who depend on you, life insurance provides financial security. It helps you ensure that your family will be supported financially even after your death.

However, selecting the ideal life insurance policy with so many options present in Michigan can be challenging. Choose to secure your family’s financial future by speaking with one of our life insurance agents in Michigan right away. 

life insurance agents in Michigan

Why Agency Height?

Local Coverage Expertise- Explore top agents who best understand your location, local laws, and needs.   

The Power to Choose- Talk to an agent or five, the choice is yours! Get multiple quotes and pick the one you like best. 

Hassle-free process– No unwanted calls. Book free consultations with only the ones you choose. 

Popular Coverages in the State

Term Life Insurance

  • Renewable Term 
  • Convertible Term 
  • Credit Term 
  • Group Term   

Whole Life Insurance

  • Indexed whole life insurance 
  • Guaranteed issue whole life insurance 
  • Limited payment whole life insurance 
  • Joint life insurance 
  • Modified whole life insurance 

Universal Life Insurance 

  • Non-guaranteed universal life 
  • Guaranteed universal life 
  • Indexed universal life Variable universal life 

Variable Life Insurance

Life Insurance Companies and Average Insurance Cost

While several factors determine the cost of life insurance, life insurance providers that provide affordable life insurance in Michigan on $250k policy coverage are listed below. 

Type of Insurance Average Monthly Premium Rates (Males) Average Monthly Insurance Rate (Female) 
MassMutual  $9.99  $16.20 
Nationwide  $10.63  $16.66 
Mutual of Omaha  $11.22  $16.99 
Transamerica  $15.092  $29.05 
State Farm  $23.30  $40.86 

Frequently Asked Questions

What is the benefit of getting life insurance in Michigan?

You can use life insurance to shield your loved ones or other dependents from the financial loss that would result from your passing. Furthermore, if you are a retiree who satisfies the standard requirements for age and service, your state-sponsored life insurance will continue for you and your dependents at no cost to you. 

What types of life insurance are approved in Michigan?

Michigan has four main life insurance categories: term, whole, universal, and variable. By speaking with a licensed insurance agent in Michigan, determine your coverage needs and the quantity of coverage you require. 

How much does life insurance cost per month in Michigan?

A monthly life insurance premium typically costs between $30 and $55 in Michigan. 

Is life insurance tax deductible in Michigan?

According to federal tax regulations, the first $50,000 of your basic life insurance benefit isn’t counted as income. However, the cost of the benefit paid by the employer is taxed if it exceeds $50,000, and Section 79 of the Internal Revenue Code mandates that the imputed income be applied to your final W-2 earnings.  

How much life insurance do I need in Michigan?

The amount of your life insurance depends on your circumstances (annual income, debts, family, etc.). Contact our local insurance agents in Michigan, who can assist you in determining the level of coverage you require while staying within your budget.  

When should I make changes to my life insurance policy?

Review your life insurance coverage following any significant life events or milestones to determine any changes in your insurance requirements. Considering altering your policy if you recently:  

  • Gotten married or divorced   
  • Had changes in your business   
  • Had or adopted a child   
  • Had a job change   
  • Purchase a new home   
  • Taken on new debt  
  • Started planning for your retirement  
  • Started planning for your children to attend college 

Find a Local Insurance Agent Near You

Connect with a local agent online to help you with your insurance needs.

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