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Best Life Insurance Companies in Livonia, MI

Our Recommended Top 10

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Our goal is to connect people with the best local professionals. We scored Livonia Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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10Top Picks

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Providers

featured provider = Featured Provider

31300 Plymouth Road, Livonia, MI 48150
WebsiteLicense: 17530493

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
5.0 (11)

Why choose this provider?

Established in 1919, Legacy Partners Insurance Services is a local independent firm serving Livonia and the rest of Michigan. It offers personal and commercial lines of insurance and group benefits for businesses. These include life plans, annuities, homeowners’, and renters’ insurance, as well as automobile coverage. Its business policies range from general liability and workers’ compensation to commercial property and cyber liability. Legacy Partners Insurance Services has assisted over 10,000 individuals and more than 1,000 businesses. It also works with more than 50 insurance providers.

  • Life Insurance

218 South Main Street, Plymouth, MI 48170
WebsiteLicense: 10180203

Expertise.com Rating

Review Sources

Google
5.0 (100)
Facebook
5.0 (8)

Why choose this provider?

Kennedy Nemier Insurance Services is a team of insurance professionals with over 100 years of combined experience, serving Livonia and nearby areas. It is an independent agency that works with various insurance carriers, like Progressive, Safeco Insurance, and The Hartford. Its line of products includes juvenile, term, universal, and whole life insurance policies. Additionally, it offers auto, business, health, homeowners', and recreational insurance plans. Previous clients have commended the firm for helping them find the right coverage that suits their necessities.

  • Life Insurance
  • Health Insurance

48225 Michigan Avenue, Canton, MI 48188

Expertise.com Rating

Review Sources

Google
4.0 (56)
Facebook
4.0 (25)

Why choose this provider?

Based in Canton, Tucker Insurance Agency is a full-service independent agency providing its services to the Livonia area. Its life insurance policies protect the client's beneficiaries by paying for the children's college, paying off the mortgage, and passing on wealth to future generations. The agency offers life insurance products such as term life, whole life, variable life, individual life, group life, and universal life. Tucker Insurance Agency is a family business founded by Tom Tucker in 1970. It represents over 15 insurance companies.

  • Life Insurance

17177 North Laurel Park Drive, Livonia, MI 48152
WebsiteLicense: 959802

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (2)

Why choose this provider?

Bettis Insurance Agency is a third-generation family-owned business that has been serving the insurance needs of Livonia and the surrounding metros for over 92 years. It offers a broad range of policies under life insurance, helping families protect themselves while mitigating risks. It also has a roster of insurance products on health, auto, and property insurance lines, as well as annuities. The company works with insurance carriers, such as Citizens Insurance, Foremost Insurance Group, and Safeco Insurance.

  • Life Insurance
  • Health Insurance

17900 North Laurel Park Drive, Livonia, MI 48152
WebsiteLicense: 19247813

Expertise.com Rating

Review Sources

Google
4.0 (155)
Facebook
4.0 (53)

Why choose this provider?

Located in Livonia, AAA Life Insurance Company has been in operation for more than 50 years. It offers multiple life insurance plans, including term, whole, and universal life insurance. It also provides accident insurance and annuities. In a survey conducted by LIMRA in 2015, AAA Life Insurance Company received the highest overall satisfaction score for claims practices among eight major life insurers. The company has also been rated A by AM Best.

  • Life Insurance
  • Whole Life Insurance

38099 Schoolcraft Service Road, Livonia, MI 48150
WebsiteLicense: 15456146

Expertise.com Rating

Review Sources

Google
4.6 (9)

Why choose this provider?

Kimler Agency is an independent insurance company serving Livonia and its surrounding communities. It specializes in life insurance, working with over 15 carriers to help clients find comprehensive coverages and premiums. It handles term life, universal life, final expense, annuities, and retirement policies. The company also offers mortgage protection and mortgage disability insurance. Kimler Agency's team of experienced agents curates customized life and mortgage insurance plans that suit each client's needs, goals, and budget.

  • Life Insurance
  • Term Life Insurance

19329 Farmington Road, Livonia, MI 48152
WebsiteLicense: 991549

Expertise.com Rating

Review Sources

Google
4.0 (17)

Why choose this provider?

Established in 1986, Paul Lee Agency, Inc. is a family-owned and independent insurance agency that offers insurance plans to financially protect investments, families, homes, and legacies of clients residing in Livonia and nearby areas. Its president and CEO, Paul W. Lee, has been in the insurance industry for more than two decades. Lee and his insurance agents provide life insurance products that can replace income or pay off debt when the policyholder passes away. Auto, health, homeowners', renters', and business insurance products are likewise available.

  • Life Insurance

33039 Schoolcraft Road, Livonia, MI 48150
WebsiteLicense: 958765

Expertise.com Rating

Review Sources

Google
5.0 (20)
Facebook
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

Garwood, Buda, Knight & Associates, Inc. is an independent insurance company that has been serving Livonia customers for over 50 years. Its life insurance options include term and permanent life insurance coverages. It also offers auto, home, motorcycle, and business insurance policies. The company works with different insurance carriers such as Hastings Mutual, Progressive, Grange, and Michigan Millers Mutual Insurance Company in order to be able to create insurance programs that fit its customers' needs and goals.

  • Life Insurance

23550 Ford Road, Dearborn Heights, MI 48127
WebsiteLicense: 0092825

Expertise.com Rating

Review Sources

Google
4.8 (37)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Janet Toler-Stemen Insurance Agency is an insurance brokerage near Livonia that offers insurance products to residents of the metro. The company has been operating for more than 60 years and specializes in insurance solutions for educators and educational personnel. Some of the firm's life insurance products include traditional life and whole life insurance coverage plans as well as its ExpressTerm specialty insurance plans. The firm carries top-rated provider AAA for its life and health insurance products.

  • Life Insurance

26130 Six Mile Road, Redford Charter Township, MI 48240
WebsiteLicense: 540317

Expertise.com Rating

Why choose this provider?

Kawana Smith is a military veteran and insurance agent who has been serving clients in Livonia, Redford, and the surrounding areas. She specializes in life insurance options that fall under the term, whole, and universal life categories. Additionally, Smith provides insurance plans for homes, properties, vehicles, and health. Business owners and entrepreneurs can also avail themselves of insurance solutions that cover general liability, workers' compensation, and employee benefits. Smith has been working with State Farm for over 30 years.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Legacy Partners Insurance Services
31300 Plymouth Road, Livonia, MI 48150
Kennedy Nemier Insurance Services
218 South Main Street, Plymouth, MI 48170
Tucker Insurance Agency
48225 Michigan Avenue, Canton, MI 48188
Bettis Insurance Agency
17177 North Laurel Park Drive, Livonia, MI 48152
AAA Life Insurance Company
17900 North Laurel Park Drive, Livonia, MI 48152
Kimler Agency
38099 Schoolcraft Service Road, Livonia, MI 48150
Paul Lee Agency, Inc.
19329 Farmington Road, Livonia, MI 48152
Garwood, Buda, Knight & Associates, Inc.
33039 Schoolcraft Road, Livonia, MI 48150
Janet Toler-Stemen Insurance Agency
23550 Ford Road, Dearborn Heights, MI 48127
Kawana Smith
26130 Six Mile Road, Redford Charter Township, MI 48240

FAQs

  • Aside from protecting against the loss of a child, what is the significance of juvenile whole life insurance to Livonia residents?

    Because the occurrence of a child's death is uncommon, juvenile whole life insurance primarily focuses on establishing a strong financial base for children or grandchildren. Its advantages include lifelong coverage and the ability to access cash value through policy loans. This type of insurance is accessible for Livonia individuals aged zero to 16, and there are choices to fully fund the policy within either a five- or ten-year timeframe.

  • What is the maximum number of insurance policies that Livonia residents can have?

    There is no specific maximum limit on the number of insurance policies that residents of Livonia can have. However, individuals should consider carrying life insurance that aligns with their needs and budgets to avoid overpaying for coverage. On a more favorable note, having multiple policies, particularly a whole or universal life policy that accrues cash value accessible during the policyholder's lifetime, can help compensate for any financial gaps should they fall ill.

  • What major types of life insurance policies are offered in Livonia?

    Livonia residents have access to two main categories of life insurance policies: term and whole or permanent insurance. Term insurance is the most affordable, and it typically spans from one to 30 years in duration. It only provides payouts to beneficiaries upon the death of the policyholder. On the other hand, whole life insurance comes with a consistent premium and death benefits over the policy's duration. This policy also accumulates cash value, which can be withdrawn.

  • What are the advantages of variable life insurance for Livonia residents seeking life insurance protection and investment opportunities?

    Variable life insurance allows Livonia policyholders to put some of their premium payments into different types of investments like stocks, bonds, or mutual funds. This can help grow the cash value component of their policies over time. With variable life insurance, individuals can also choose how much their loved ones will get if something happens to them. This type of life insurance can also help pay for estate taxes.

  • Does a standard term life insurance policy guarantee a fixed death benefit for beneficiaries in Livonia?

    Livonia policyholders are entitled to a fixed death benefit, regardless of the duration their policies have been active. This means life insurance companies will provide the same payout amount regardless of whether the insured individuals pass away within the initial day of coverage or during the 29th year of coverage.

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

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