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Best Life Insurance Companies in Macomb, MI

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Macomb 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.

3864Reviewed

2323Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

22440 Hall Road, Clinton Township, MI 48036
WebsiteLicense: 960576

Expertise.com Rating

Review Sources

Google
4.0 (14)
Facebook
5.0 (2)

Why choose this provider?

Morris Insurance Group is an insurance agency with offices in Clinton Township and Rochester. It serves clients in Macomb and the surrounding areas, offering an extensive suite of personal insurance products, including life insurance plans. Furthermore, it also offers health insurance, homeowners' and renters' insurance, automobile insurance, and umbrella insurance policies. As an independent agency, the company represents multiple insurance companies to provide clients a wide selection of policy coverage. Morris Insurance Group has been providing insurance services for over six decades.

  • Life Insurance
  • Health Insurance

13900 Lakeside Circle, Sterling Heights, MI 48313
WebsiteLicense: 10309258

Expertise.com Rating

Review Sources

Google
4.0 (53)
Facebook
4.0 (51)
Yelp
3.0 (4)

Why choose this provider?

Sterling Insurance Group is a full-service insurance company that serves clients in the Macomb area. It offers a range of life insurance plans to help customers secure their financial obligations to their families and loved ones. Its policies include universal life, term life, and whole life. It also provides employee benefits, enterprise risk management, and business insurance services. It has been in the industry since 1996. Its founder, Joe Haney, is heavily involved in philanthropic organizations and industry-related bodies.

  • Life Insurance

45150 North Avenue, Macomb, MI 48042
WebsiteLicense: 975435

Expertise.com Rating

Review Sources

Google
4.0 (19)
Facebook
5.0 (2)

Why choose this provider?

Tom Mazzola is a State Farm insurance agent operating in Macomb. His office provides quotes on life insurance and helps clients secure term and permanent policies. Apart from individual life plans, his team furnishes auto insurance and assists with car financing. Additionally, they design health, business, property, and homeowners' insurance coverages. Investment products such as mutual funds and retirement annuities are also available. Tom has been serving the community for more than 25 years.

  • Life Insurance
  • Health Insurance

37102 South Groesbeck Highway, Clinton Township, MI 48036
WebsiteLicense: 18579988

Expertise.com Rating

Review Sources

Google
5.0 (52)
Yelp
5.0 (1)

Why choose this provider?

Headquartered in Clinton Township, McGovern Agency​ is a business that provides insurance services to residents and businesses in Macomb and the surrounding communities. It is an independent insurance provider that carries various life insurance plans like term life, whole life, universal life, and variable universal life insurance. Licensed in Michigan and Florida, it also provides business owner's package insurance policy that could include property insurance for buildings owned by the company, business interruption insurance, and liability protection.

  • Health Insurance

48836 Romeo Plank Road, Macomb, MI 48044
WebsiteLicense: 0029786

Expertise.com Rating

Review Sources

Google
4.0 (15)
Facebook
4.0 (4)

Why choose this provider?

Tammy Deane is a State Farm agent who provides life insurance policies to individuals, families, and businesses in Macomb and the surrounding areas. The life insurance plans that she offers include term, whole, and universal life. In addition, she handles insurance coverage for auto, home, and business. Her team at State farm also assists in financial requirements for banking and annuities. Tammy has a master's degree in Management and has previously worked as a director of real estate for the Detroit Public Schools.

  • Life Insurance
  • Health Insurance

8641 Hall Rd, Utica, MI 48317
WebsiteLicense: 15658037

Expertise.com Rating

Review Sources

Google
4.0 (26)

Why choose this provider?

ALF Ins Agency, LLC, is an independent insurance provider serving individuals, families, and businesses in Macomb. Family-owned and operated by Albert E. Farrah, who has been an insurance agent since 1992, the firm is partnered with various reputable insurance carriers, such as Progressive, Travelers, and Foremost Insurance Group. It offers an array of insurance packages, including life insurance, as well as short- and long-term disability plans. In addition to these, ALF Ins Agency, LLC, also provides health insurance coverage.

  • Life Insurance
  • Health Insurance

33970 23 Mile Road, New Baltimore, MI 48047
WebsiteLicense: 959664

Expertise.com Rating

Review Sources

Google
4.0 (33)
Facebook
5.0 (11)

Why choose this provider?

Founded in 1948, Aitken & Ormond Insurance & Risk Management is an insurance agency that offers insurance solutions for different situations of clients in Macomb and nearby areas. Independent agents at this office provide life insurance plans for clients who want to create an inheritance for heirs, pay final expenses, charitable donations, and pay federal death and estate taxes. The team performs a comprehensive needs analysis to identify the appropriate life plans with coverage that protects policyholders' dependents. They also have auto, homeowners', and condo insurance policies.

  • Life Insurance
  • Health Insurance

8790 23 Mile Road, Shelby Township, MI 48316
WebsiteLicense: 16648132

Expertise.com Rating

Review Sources

Facebook
5.0 (32)
Google
5.0 (18)

Why choose this provider?

Denise Mansfield is an insurance agent with Farm Bureau Insurance. She provides a wide range of risk management solutions to clients in the Macomb area. Loan products include life and health insurance, as well as home and auto coverage. Denise also offers options for agricultural businesses, including crop and farm insurance. Retirement planning assistance for seniors is also available. Additionally, Farm Bureau Insurance offers specialized programs, such as FB Express Auto and FB Property repairs solutions.

  • Life Insurance
  • Health Insurance

45911 Hayes Road, Macomb, MI 48044
WebsiteLicense: 3903581

Expertise.com Rating

Review Sources

Google
5.0 (39)
Facebook
5.0 (11)
Yelp
5.0 (1)

Why choose this provider?

Courtney Seibold is a life insurance agent with a Statefarm agency that has been serving the Macomb metro since 2018. This professional has been a part of the State Farm company for more than two decades and uses her long-term knowledge in guiding individuals and families in choosing the appropriate insurance product. She offers life, automobile, renters', home, pet, and health insurance policies. Courtney Seibold also has insurance products for small businesses, motorcycles, boats, and ATVs.

  • Life Insurance

50798 Romeo Plank Road, Macomb, MI 48044
WebsiteLicense: 0262151

Expertise.com Rating

Review Sources

Google
4.0 (19)
Facebook
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

Founded in 2011, Ron Steffens Agency is a local insurance agency that provides a variety of insurance plans that cover the home & auto, life, health, and business needs of Macomb residents and those from the surrounding areas. Its life insurance plans include a wide selection of coverage, including wealth transfer, education funding, income protection, and mortgage protection. Aside from these, it offers retirement plans such as traditional and Roth IRA's, tax-deferred annuities, and needs analysis.

  • Life Insurance
  • Health Insurance

43200 Garfield Road, Clinton Township, MI 48038
WebsiteLicense: 0008441

Expertise.com Rating

Review Sources

Google
4.0 (117)
Facebook
5.0 (2)

Why choose this provider?

Lakeside Insurance Agency is an independent insurance firm serving Macomb and neighboring areas for more than four decades. It assists clients in securing life insurance with universal, term, and whole life coverages. The agency offers home and auto insurance plans and policies for recreational vehicles such as watercraft, RVs, and ATVs. Insurance products for businesses include policies for commercial property, liability insurance, and workers’ compensation. Lakeside Insurance Agency has access to products from multiple carriers such as Hastings Mutual, Encompass, and Progressive.

  • Life Insurance

2 Crocker Boulevard, Mount Clemens, MI 48043
WebsiteLicense: 18879046

Expertise.com Rating

Review Sources

Google
4.7 (42)

Why choose this provider?

Headquartered in Mount Clemens, Olmstead Insurance Group is an independent insurance agency that has been providing insurance services to residents and businesses in Macomb and Southeast Michigan for 44 years. It is a full-service insurance company that carries personal insurance plans like life, auto, recreational vehicle, home, and renters’ insurance. Additionally, it provides small business insurance packages like workers’ compensation, crime, commercial auto, and business income insurance. It was founded in 1977.

  • Life Insurance

8344 Hall Road, Utica, MI 48317
WebsiteLicense: 959669

Expertise.com Rating

Review Sources

Google
5.0 (24)
Facebook
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

Beck Insurance Agency is a family-owned business that has been serving the Macomb area since 1939. The business handles its clients' personal and commercial insurance needs, aiming to provide them with coverage that suits their situation and financial goals. It offers life insurance coverage designed to protect the client and their family's financial future. Beck Insurance Agency also provides renters', homeowners', auto, and business insurance. Additionally, it represents numerous carriers, including Retailers Mutual, Travelers, Progressive, and Assurant.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Morris Insurance Group
22440 Hall Road, Clinton Township, MI 48036
Sterling Insurance Group
13900 Lakeside Circle, Sterling Heights, MI 48313
Tom Mazzola
45150 North Avenue, Macomb, MI 48042
McGovern Agency
37102 South Groesbeck Highway, Clinton Township, MI 48036
Tammy Deane
48836 Romeo Plank Road, Macomb, MI 48044
ALF Ins Agency, LLC
8641 Hall Rd, Utica, MI 48317
Aitken & Ormond Insurance & Risk Management
33970 23 Mile Road, New Baltimore, MI 48047
Denise Mansfield
8790 23 Mile Road, Shelby Township, MI 48316
Courtney Seibold
45911 Hayes Road, Macomb, MI 48044
Ron Steffens Agency
50798 Romeo Plank Road, Macomb, MI 48044
Lakeside Insurance Agency
43200 Garfield Road, Clinton Township, MI 48038
Olmstead Insurance Group
2 Crocker Boulevard, Mount Clemens, MI 48043
Beck Insurance Agency
8344 Hall Road, Utica, MI 48317

FAQs

  • What are the key advantages of whole life insurance policies in Macomb?

    Whole life insurance ensures continuous coverage throughout the lifetime of Macomb policyholders, provided that they maintain premium payments. This policy guarantees a death benefit, offering essential financial protection to the insured's family during critical times. Moreover, it facilitates the gradual accumulation of a substantial cash value over the long term, which can be accessed through policy loans.

  • Is the death benefit provided to beneficiaries of Macomb life insurance policyholders free from income tax?

    Yes, meaning when Macomb life insurance policyholders die, their beneficiaries usually obtain the entire death benefit sum free from federal income taxation. This benefit can cover expenses such as tuition, outstanding debts, and estate taxes. Furthermore, it offers protection for businesses by allowing surviving partners to purchase the interests of a deceased partner, thereby averting forced liquidation.

  • What happens if a Macomb life insurance applicant provides false information to insurance companies?

    Individuals applying for life insurance in Macomb should be aware that providing inaccurate information in their application increases the likelihood of insurance providers denying their application. Moreover, insurance companies have the capability to uncover inaccuracies in applications at a later stage, which may lead to the cancellation of the policyholder's coverage.

  • When should Macomb life insurance policyholders update their policies?

    Macomb residents should revisit their life insurance policies after life-changing events such as marriage or divorce. They must also assess their coverage after the birth of a child, starting a business, or facing declining health. Other circumstances that might necessitate a reassessment of policies involve inheriting assets or having concerns about retirement income.

  • What are the advantages of universal life insurance policies in Macomb?

    A universal life insurance policy in Macomb combines life insurance protection with the potential to accumulate cash value. The cash value can be accessed through either a policy surrender or a policy loan. This policy category is characterized by its adaptability, allowing modifications to the coverage amount, premium payments, and payment schedules. It also accommodates the inclusion of multiple secondary insured individuals, enabling comprehensive family coverage within a single policy.

  • 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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