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As your life changes, so do your insurance needs. We can provide the protection that you and your loved ones need, from health insurance, to life insurance and everything in between. Lake Michigan Insurance Agency is dedicated to supporting the needs of our insureds. We are here to assist you in evaluating your needs at each stage of life, and will always offer you quality services and valuable coverage. Our full menu of life, health and disability products include:
Individual & Families
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Life Insurance
At Lake Michigan Insurance Agency, we recognize the significant role life insurance plays in ensuring the financial future of your family. That's why we have partnered with many of the largest carriers in the marketplace. Our professionals will work with you to help you find easy and affordable life insurance solutions to fit your needs.
Term Life Insurance
Term life insurance is commonly used as a low cost coverage solution. It can also be used to pay off mortgages, and other debts in the event of premature death. Term policies pay a specified death benefit and are available for 10, 15, 20, or 30 year periods. With term life insurance, a paramedical exam is usually required.
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Permanent Life Insurance
Permanent life insurance is the coverage to purchase when you want more out of your life insurance than just a death benefit. Life insurance policies that also include a long-term savings account or stock market investment, would include whole life, universal life or variable life insurance products. This type of policy will have a higher cost than a term life policy because you are now funding a cash value account. With permanent life insurance, a paramedical exam is generally required.
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Simplified Life Insurance
Simplified issue life insurance can be purchased after answering only a few medical questions. There is no medical exam required. However, if you report health problems, you will likely be declined. Also, if you are healthy, or even if you have some negative medical history, an underwritten policy is still going to be your least expensive option. Simplified issue life insurance typically does NOT require a paramedical exam.
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Guaranteed Issue Life Insurance
Guaranteed issue life insurance is available to anyone who applies (up to an age limit) and is by far the most expensive way to purchase life insurance. This should be considered only by those who are declined for everything else, but are still need of life insurance. Guaranteed issue life insurance does NOT require a paramedical exam.
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Instant Online Term Insurance
No medical exam. Can be purchased in minutes by clicking the link below.
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Individual Health
Buying health insurance can be confusing. The first step is to evaluate your needs, and understand your health insurance options. Lake Michigan Insurance Agency will help you through the process of selecting a health plan that not only fits your coverage needs, but fits into your budget as well.
Disability Income Insurance
One of your most valuable assets is your ability to work and earn an income. If you become sick or are injured, will you still be able to pay your expenses and maintain your standard of life? Disability income insurance can help you pay your expenses by replacing a portion of your income, and allow you to maintain the same quality of living.
Mortgage Life & Disability Insurance
Mortgage Life & Disability insurance protects you against some of life's unexpected mishaps. Mortgage Protection Insurance is specifically designed to pay off the mortgage debt in the event of a death or help make the monthly payments in the event of disability. Most mortgage protection plans can be customized to fit every mortgage need, and can present an affordable solution.
Long term Care Insurance
The need for long term care can occur at any age. Whether care might be needed due to a serious illness or injury, or the result of the natural aging process, long term care and the related costs, can be financially devastating. Lake Michigan Insurance Agency suggests you consider a long term care insurance policy to round out your financial plan. It can help protect your hard earned assets, as well as give you more control over how and where you receive care should you or a loved one need it.
Medicare Supplements
While Medicare was designed to provide extensive insurance and medical benefits, it was not designed to pay all health care costs. A Medicare Supplement policy is added coverage to help offset some of those non-covered expenses. Lake Michigan Insurance Agency will help you understand and secure the proper Medicare Supplement plan that not only fits your need, but your budget as well.
Fixed Annuities
Fixed annuities are an investment vehicle offered by insurance companies that guarantee the purchaser a stream of fixed payments over the life of the annuity. The distribution of payments could be monthly, quarterly, semiannually, or annually. The insurance company guarantees both earnings and principal. The insurer, not the insured, takes the investment risk.
Accidental Death & Dismemberment (AD&D)
Accidental Death & Dismemberment (AD&D) insurance is protection that provides a benefit when the result of an accident is either death or dismemberment.
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