Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Michigan before hiring.
Showing 4 life insurance agents in Essexville, MI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Thomas Jacobs - State Farm Insurance Agent
1411 Woodside Ave, Essexville, MI 48732
(989) 893-6586
tominsuresme.com
Jeff Kelly - State Farm Insurance Agent
1080 N Pine Rd, Essexville, MI 48732
(989) 892-6666
jeffkellysf.com
Thumb Insurance Agency Inc
1480 W Center Rd Suite 101, Essexville, MI 48732
(989) 893-3688
thumbinsurancegroup.com
Stecker Pat
2711 Center Ave # 101, Essexville, MI 48732
(989) 893-3688
thumbinsurancegroup.com
What Does a Life Insurance Agent in Essexville Cost?
Life insurance costs in Michigan vary by age, health, coverage amount, and policy type. A healthy 35-year-old in Essexville might pay $20 to $40 per month for a 20-year term policy with $500,000 coverage. Whole life policies are more expensive, often starting at $100 per month for similar coverage. Rates also depend on factors like smoking status and family medical history. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What license do life insurance agents need in Michigan?
Agents must hold a valid Michigan life insurance producer license. This requires completing pre-licensing education and passing the state exam. The Michigan Department of Insurance and Financial Services oversees all licensing.
How long does it take to get life insurance in Essexville?
The process can take from a few days to several weeks, depending on the policy type and your health. Term life policies often have faster approval than whole life. A medical exam may be required for some plans.
Do Michigan laws affect life insurance payouts?
Yes. Michigan has a two-year contestability period, during which insurers can investigate misstatements on an application. After two years, claims are generally paid unless fraud is proven. Beneficiaries must file a claim with the insurance company to receive the death benefit.