The top-rated life insurance agent in Sterling Heights, Michigan is Summit Health Services, rated 5.0 stars across 303 reviews. Other highly rated options include Clint St.Mosley - State Farm Insurance Agent, The Salvati Insurance Group, Inc., AAA Insurance - R. Petros Insurance Agency. This directory lists 19 life insurance agents serving Sterling Heights.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Summit Health Services | 43409 Schoenherr Rd | (248) 779-1000 |
| 2 | Clint St.Mosley - State Farm Insurance Agent | 43120 Utica Rd # 400 | (586) 979-9700 |
| 3 | The Salvati Insurance Group, Inc. | 42370 Van Dyke Ave Ste 711 | (248) 720-1130 |
| 4 | AAA Insurance - R. Petros Insurance Agency | 35830 Van Dyke Ave | (586) 722-7269 |
| 5 | Frolka Insurance Agency Goosehead Insurance | 44444 Mound Rd Suite 400C | (810) 224-9438 |
| 6 | Lakeside Insurance Agency | 13900 Lakeside Cir | (586) 286-5000 |
| 7 | Beyond Insurance Group | 42140 Van Dyke Ave #210 | (586) 330-9727 |
| 8 | L.A. Insurance | 42903 Van Dyke Ave | (586) 254-8484 |
| 9 | Millennium Insurance Agency LLC -34865 Mound Rd | 34865 Mound Rd | (248) 410-1858 |
| 10 | Clear View Insurance | 13854 Lakeside Cir Ste 212 | (586) 742-0316 |
Summit Health Services serves clients in the Sterling Heights, Michigan, metro area as a life insurance agent. This agency works with individuals and families to help them select life insurance policies suited to their long-term financial planning and protection needs. Policy types typically available include term life, whole life, and universal life coverage, helping residents prepare for income replacement, debt coverage, and final expenses. Among the specific services handled are new policy enrollment and policy review for existing coverage adjustments.
Clint St.Mosley - State Farm Insurance Agent in Sterling Heights, MI, provides a range of life insurance policies designed to protect families and individuals against financial uncertainty. Service offerings include consultations to assess coverage needs, assistance with policy selection, and support for claims processing. Maintenance plans involve periodic policy reviews to adjust coverage as life circumstances change. The agency helps clients secure financial protection for single-family homes, apartments, retail businesses, and restaurants.
The Salvati Insurance Group, Inc. serves individuals and families in Sterling Heights, Michigan, and the surrounding communities of Macomb County. The company handles a full range of life insurance products, including term and whole life policies designed to protect financial futures. For each client, the general approach used to manage a typical job begins with a thorough analysis of personal needs and goals.
Serving homeowners and small business owners throughout Sterling Heights, this agency provides life insurance agent services focused on personal financial protection. Clients receive individual guidance to help select suitable coverage for their families or business continuity needs. The agent works closely with local residents to review policy options and navigate the application process in a straightforward manner. This practice also extends its services to families and entrepreneurs in the nearby communities of Shelby Township and Utica within the greater Detroit metropolitan area.
As families in Sterling Heights plan for the coming school year or prepare for retirement, securing financial protection becomes a priority. Frolka Insurance Agency Goosehead Insurance offers professional life insurance agent services to address these local needs. Their team works individually with each client to discuss coverage options that can help provide for loved ones in the future. An agent will review personal circumstances and financial goals. The initial assessment step involves a complimentary consultation to examine current policies or evaluate new needs without obligation.
Lakeside Insurance Agency in Sterling Heights, Michigan, helps clients choose between one-time term life policies and recurring whole life coverage options, focusing on long-term financial protection. The agency guides individuals through selecting a policy that fits their budget and family needs, ensuring beneficiaries receive support when necessary. This life insurance agent works with customers to understand how different coverage amounts affect premiums and payouts. Service runs on either a one-time purchase basis for term policies or a scheduled premium payment plan for permanent coverage.
Beyond Insurance Group specializes in helping individuals and families assess their financial protection needs in Sterling Heights, MI. The agency focuses on life insurance policies designed to provide beneficiaries with financial stability after a policyholder's passing. It also offers options for long-term care coverage and critical illness benefits that supplement basic life policies. Commercial clients can obtain coverage for key personnel in various business environments, including offices, warehouses, and food service operations.
When Michigan winters create harsh driving conditions on Sterling Heights roads, L.A. Insurance provides life insurance agent services to help local residents safeguard their families. They guide clients through term, whole, and universal options so households can select coverage matching their monthly budget. The team takes time to explain how policies protect mortgages and education funds from unexpected loss. An initial risk assessment begins with a complimentary review of current coverage gaps and financial goals.
Serving residential clients in Sterling Heights and the surrounding area, Millennium Insurance Agency LLC provides life insurance coverage to local families. The agency also assists commercial clients with their insurance needs. Operating from its location on Mound Road, the company works with individuals to review their current policies and adjust plans as circumstances change. After placing a new policy or making an adjustment, the agency typically follows up with clients between regular annual visits to confirm their coverage continues to meet their needs.
What Does a a Life Insurance Agent in Sterling Heights Cost?
Life insurance costs in Sterling Heights Michigan vary by age health and policy type. A healthy 35 year old might pay 25 to 50 dollars per month for a 20 year 500000 dollar term policy. Whole life insurance for the same person could cost 200 to 400 dollars per month. Costs also depend on your medical history and lifestyle. This is general information and not insurance advice.
About life insurance agents in Sterling Heights
Life insurance agents in Sterling Heights Michigan help residents find coverage that protects their families and meets state requirements. Michigan law requires life insurance policies to include a free look period of at least 10 days. Agents can explain how Michigan insurance regulations affect your policy options and premium costs.
Frequently Asked Questions
What licenses do life insurance agents in Sterling Heights need?
Michigan requires life insurance agents to hold a valid resident license from the Michigan Department of Insurance and Financial Services. Agents must complete pre-licensing education and pass a state exam. They must also complete continuing education every two years to keep their license active.
How do Michigan life insurance laws affect my policy?
Michigan law gives you a 10 day free look period to cancel a new life insurance policy for a full refund. Michigan also requires insurers to pay claims within 30 days after receiving proof of death. These rules help protect policyholders in Sterling Heights.
What types of life insurance are available in Sterling Heights?
Sterling Heights agents offer term life insurance for a set period and permanent life insurance like whole life or universal life. Term life is often cheaper but does not build cash value. Permanent policies have higher premiums but provide lifelong coverage and a cash value component.
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