Life Insurance Quote — Michigan Families

The right amount of life insurance is different for a 30-year-old with a young family, a 45-year-old with a mortgage and college on the horizon, and a 60-year-old thinking about estate protection. We start with the question — what would your family actually need if you weren’t here — and work back to the policy from there.

Types of policies we quote

• Term life — 10, 20, or 30 year level term. Almost always the right first policy for a young family. Cheapest per dollar of coverage.
• Whole life — permanent coverage with a cash-value component. Useful for estate planning, business succession, and locking in insurability for kids/grandkids.
• Universal life & indexed universal life (IUL) — flexible-premium permanent coverage. We’re careful about IUL — they’re powerful but often oversold. We’ll show you the illustration honestly.
• Final expense / burial — simplified-issue small policies (typically $10K–$25K) for seniors who want to cover final costs without touching family savings.

How much coverage do you actually need?

Common shorthand is 10–12× your income, but that’s a starting point, not an answer. A more useful frame is called DIME:

• Debt — mortgage + student loans + credit lines you’d want paid off
• Income — years of income replacement your family would need (usually to youngest child leaving home)
• Mortgage — separately, if you’d want the house free-and-clear
• Education — remaining tuition costs

We walk through this with every client. Most Michigan families we work with land on $500K–$1M of term coverage, and a smaller whole-life policy layered underneath.

What we ask before quoting

• Age, height/weight, tobacco use, and honest health history (medications matter more than diagnosis)
• Family history of heart disease and cancer (some carriers weight this heavily)
• Any risky avocations (private aviation, scuba below 100′, motorsports)
• Coverage amount and term length target

From there we shop the carriers whose underwriting is friendliest to your specific profile — that’s the whole point of using an independent agent instead of one captive brand.