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Best Life Insurance Companies in Troy, MI

Our Recommended Top 19

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Troy 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.

3605Reviewed

2170Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

33808 Groesbeck Highway, Clinton Township, MI 48035
WebsiteLicense: 16738632

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Review Sources

Facebook
5.0 (7)
Google
4.0 (5)

Why choose this provider?

Michigan Insurance Source is an independent insurance agency working to provide clients in Troy with life insurance solutions. It helps individuals and families achieve financial security by selecting comprehensive insurance products with competitive premiums from a catalog of providers. In addition to term, whole, and universal life insurance policies, the agency facilitates auto, homeowners, recreational vehicles, and health insurance. Bryant Goodreau, a partner and sales manager at Michigan Insurance Source, has two decades of industry experience.

  • Life Insurance
  • Health Insurance

217 East Maple Road, Troy, MI 48083
WebsiteLicense: 0985668

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Review Sources

Google
4.0 (11)

Why choose this provider?

Tom Holmes is a State Farm agent based in Troy that provides insurance products. He provides life insurance products to his clients. With the belief that life always brings out something unexpected, Tom strives to deliver products that protect clients from these emergencies. He and his team help clients understand what their needs are and customize plans that fit those needs. He also offers auto, home, property, business, health, and pet insurance products. Tom has been a licensed State Farm agent since 1981.

  • Life Insurance
  • Health Insurance

1050 Wilshire Dr Suit 280, Troy, MI 48084
WebsiteLicense: 0019064

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Review Sources

Google
4.0 (23)
Facebook
4.4 (10)

Why choose this provider?

National Benefit Plans is a full-service life insurance company serving clients in Troy. It provides term, whole, universal, and both indexed and variable universal life, intended to fit the clients' needs. The business also offers disability and long-term care coverage, in addition to annuities. National Benefit Plans also offer Medicare products, as well as dental and vision plans. Moreover, it has partnered with an extensive network of carriers, including Aetna, Humana, Prudential, and New York Life.

  • Health Insurance

2328 Livernois Road, Troy, MI 48083
WebsiteLicense: 958693

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Review Sources

Google
4.0 (3)

Why choose this provider?

Northwest Agency provides insurance solutions to individuals, families, and businesses in Troy and the surrounding areas. Established in 1969, the company is a source for home, life, and business insurance products. Its life insurance products provide security to policyholders and their loved ones. The company also offers auto insurance products that include liability, collision, additional expense, and road trouble coverage. Clients can also ask Northwest Agency’s staff about pet insurance policies. The firm represents several insurance companies.

  • Life Insurance
  • Health Insurance

3155 W Big Beaver Rd Suite 125, Troy, MI 48084
WebsiteLicense: 0007724

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Google
4.0 (4)
Facebook
5.0 (4)

Why choose this provider?

Mason-McBride Inc. is an independent multi-line insurance agency in Troy. Its team offers various risk management solutions, including life insurance which can serve as inheritance and can cover final expenses and federal estate and death taxes. The agents have access to policies from numerous carriers like Auto-Owners and Liberty Mutual, allowing them to find coverages suitable for clients' unique needs. Mason-McBride Inc. is headed by Mike McBride, who has been offering counsel and strategic advice for over three decades.

  • Life Insurance

2095 East Big Beaver Road, Troy, MI 48083
WebsiteLicense: 959136

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Google
4.0 (9)
Yelp
4.5 (3)

Why choose this provider?

Since 1973, InPro Insurance Group has been crafting personalized insurance solutions for individuals, families, and businesses in Troy and other surrounding areas. As an independent agency, it maintains partnerships with various insurance carriers to provide a wide array of life coverage options. It also aims to help employers acquire the best group life and health insurance coverage plans that fit their needs and budget. In addition, it also offers an online human resources and benefits administration portal for a streamlined enrollment process.

  • Life Insurance
  • Health Insurance
  • Individual Plans

3155 West Big Beaver Road, Troy, MI 48084
WebsiteLicense: 3344579

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Google
5.0 (2)
Facebook
5.0 (2)

Why choose this provider?

Rising Sun Investments, LLC, is a financial services agency that specializes in retirement planning. It was founded and owned by Robert J. Fries back in 2003 and has offices in Troy and Monroe. Rising Sun Investments, LLC, has been providing various financial management plans to its clientele. These plans range from tax planning to life, health, and disability insurance. Its life insurance packets cover both term life insurance and permanent life insurance, the latter of which also includes whole life, universal, and variable insurance.

  • Life Insurance
  • Health Insurance

2701 Troy Center Drive, Troy, MI 48084
WebsiteLicense: 2852180

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Review Sources

Facebook
5.0 (11)
Google
5.0 (1)

Why choose this provider?

Jeff Pratt is an insurance agent with American Insurance Advisors, LLC, who has been assisting clients in Troy with their insurance needs for more than 16 years now. Since joining the company, he has been helping individuals and businesses plan ahead through a variety of insurance policies that he offers. His wide range of flexible life insurance plans includes term life, permanent life, and Infinite Banking Concept. He also offers assistance with the Return of Premium option. Additional services include health, Medicare, and personal pension plans.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

100 West Big Beaver Road, Troy, MI 48084

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Review Sources

Google
5.0 (9)
Yelp
1.0 (2)

Why choose this provider?

North Star Insurance Services is an independent insurance agency serving Troy residents. This agency has over 35 years of experience and represents varied insurance carriers to provide its clients with a broad range of coverages. North Star Insurance Services primarily offers life insurance products, and its agents assess clients individually to determine the coverage policy that fits their current and long-term needs. This agency also provides comprehensive auto, home, and commercial insurance. Additionally, this agency has branches across multiple states.

  • Life Insurance

1055 East South Boulevard, Rochester Hills, MI 48307
WebsiteLicense: 961269

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Review Sources

Google
5.0 (88)
Facebook
4.0 (15)

Why choose this provider?

Allied Insurance Managers, Inc., is an independent insurance agency providing solutions to clients' property and casualty needs in Troy since 1912. The agency writes life and health insurance policies, with coverage for the term and whole life insurance, disability, and long-term care. It also offers a review of the clients' needs for other personal insurance products like auto, home, and recreational vehicles. Moreover, it supports businesses from various industries such as restaurants, janitorial, and contractors by designing insurance programs according to their business needs.

  • Life Insurance

15192 East Thirteen Mile Road, Warren, MI 48088
WebsiteLicense: 17489846

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Review Sources

Facebook
5.0 (28)
Yelp
3.0 (3)

Why choose this provider?

Natalie Gajewski has been a State Farm insurance agent since 2015. She leads the Natalie Gajewski State Farm Insurance office, serving clients in Troy and surrounding areas. The office offers a range of insurance options, including life insurance, pet insurance, auto insurance, and homeowners insurance as well as business insurance. Additionally, it provides banking and financial services. The office has qualified for State Farm awards over the years, including the State Farm Ambassador Travel and State Farm Honor Club.

  • Life Insurance
  • Health Insurance

22800 Hall Road, Clinton Township, MI 48036
WebsiteLicense: 18630075

Expertise.com Rating

Why choose this provider?

Established in 2017, Universal Insurance Agency of Michigan assists residential and commercial clients in and around Troy. It offers life insurance policies for all types of customers, from retired citizens and parents to high-value individuals and business owners. The agency also provides standard lump-sum payments for both term-life and permanent contracts. In addition, it customizes plans to cover final expenses or transfer payments to specific beneficiaries. The agency's other insurance plans include Medicare, homeowners', and automobile policies.

  • Life Insurance
  • Health Insurance

273 Cass Avenue, Mount Clemens, MI 48043
WebsiteLicense: 958662

Expertise.com Rating

Review Sources

Google
5.0 (13)

Why choose this provider?

Macomb-Gerlach Agency, Inc., is a Mount Clemens-based company that serves families and businesses in the Troy metro. It is an independent insurance agency that works with different carriers such as Foremost Insurance Group, Bristol West Insurance Group, Fremont Insurance, and Hastings Mutual Insurance Company. Owned by James Gerlach, the company offers life insurance that can secure the clients' future and financial obligations. In addition, it provides home, business, umbrella, and auto insurance. Macomb-Gerlach Agency, Inc., was established in 1867.

  • Life Insurance

8884 Commerce Road, Commerce Charter Township, MI 48382
WebsiteLicense: 960238

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Insurance Advisors comprises agents who are dedicated to finding the right policy that meets clients' unique financial needs. Established in 1979, the independent insurance agency serves families, property owners, individuals, and businesses in Troy. Its staff members are equipped with product knowledge and have more than two decades of experience. They provide whole, term, and universal life insurance policies that include death and living benefits. Some of the insurance companies they represent are American Strategic Insurance, Chubb, and Foremost.

  • Life Insurance

26333 Jefferson Avenue, St. Clair Shores, MI 48081
WebsiteLicense: 19013560

Expertise.com Rating

Review Sources

Google
3.0 (9)
Yelp
1.0 (1)

Why choose this provider?

DC Insurance Group is an independent agency providing an array of insurance solutions to clients in Troy. The company provides individuals with options in life insurance, home insurance, auto insurance, and pet insurance. Its business insurance products include property insurance, commercial auto insurance, commercial general liability insurance, and workers’ compensation insurance. DC Insurance Group was established in 2003, with an insurance history that can be traced back 100 years or so.

  • Life Insurance

2855 Coolidge Highway, Troy, MI 48084
WebsiteLicense: 0006882

Expertise.com Rating

Review Sources

Google
5.0 (69)
Facebook
5.0 (17)

Why choose this provider?

Hershey Insurance Agency has been serving the Troy area since 1978. It specializes in life insurance services that help individuals plan for their families' future needs. These insurance policies cover debt payments, college funds, mortgage payments, and funeral expenses to provide financial security to the client's beneficiaries. In addition, it caters to clients who prefer to obtain group insurance products for disability, medical, and dental services. The carriers of Hershey Insurance Agency include Citizen Insurance, American Modern, and Delta Dental.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

25124 Jefferson Avenue, St. Clair Shores, MI 48081
WebsiteLicense: 8291168

Expertise.com Rating

Review Sources

Google
4.8 (25)
Facebook
5.0 (4)

Why choose this provider?

Lakepointe Insurance Agency offers life insurance products to clients in Troy. It guides customers in picking the right coverage to accommodate their life changes, such as marriage and the birth of a new child. Its agents assist customers with term life, whole life, or universal life insurance by informing them about the advantages and disadvantages of each. Lakepointe Insurance Agency also offers coverage for health, business, vehicle, and property. Gregory Mattes, who has over 29 years of experience, formed the company in 2003.

  • Life Insurance
  • Health Insurance

2916 East Long Lake Road, Troy, MI 48085
WebsiteLicense: 16665375

Expertise.com Rating

Review Sources

Google
5.0 (41)
Facebook
3.0 (5)

Why choose this provider?

Jay Munj is an insurance agent for State Farm based in Troy, Michigan. He is offering his expertise on insurance coverage like life insurance, automobile insurance, homeowners' insurance, property insurance, and business insurance. Additionally, he can provide plans for health and people's pets. Jay Munj has been with State Farm since 2013. He holds a Master's degree in Business Administration and has been a Rochester Hills Ambassador Travel Qualifier for six years.

  • Life Insurance
  • Health Insurance

100 West Big Beaver Road, Troy, MI 48084
WebsiteLicense: 9720762

Expertise.com Rating

Review Sources

Google
5.0 (4)
Facebook
5.0 (1)

Why choose this provider?

North Coast Insurance Services offers life insurance products to clients in Troy. Its staff members specialize in helping individuals provide for their loved ones even after their death. The insurance policy covers funeral expenses, probate costs, mortgages, and the debts of clients. It also carries other insurance products, such as auto, home, flood, farm, and renters' insurance, to assists its clients in protecting their families and assets. Additionally, business insurance is available to safeguard a company's employees and its customers.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Michigan Insurance Source
33808 Groesbeck Highway, Clinton Township, MI 48035
Tom Holmes
217 East Maple Road, Troy, MI 48083
National Benefit Plans
1050 Wilshire Dr Suit 280, Troy, MI 48084
Northwest Agency, Inc
2328 Livernois Road, Troy, MI 48083
Mason-McBride Inc.
3155 W Big Beaver Rd Suite 125, Troy, MI 48084
InPro Insurance Group
2095 East Big Beaver Road, Troy, MI 48083
Rising Sun Investments LLC
3155 West Big Beaver Road, Troy, MI 48084
Jeff Pratt
2701 Troy Center Drive, Troy, MI 48084
North Star Insurance Services
100 West Big Beaver Road, Troy, MI 48084
Allied Insurance Managers, Inc.
1055 East South Boulevard, Rochester Hills, MI 48307
Natalie Gajewski
15192 East Thirteen Mile Road, Warren, MI 48088
Universal Insurance Agency of Michigan
22800 Hall Road, Clinton Township, MI 48036
Macomb-Gerlach Agency
273 Cass Avenue, Mount Clemens, MI 48043
Insurance Advisors
8884 Commerce Road, Commerce Charter Township, MI 48382
DC Insurance Group
26333 Jefferson Avenue, St. Clair Shores, MI 48081
Hershey Insurance Agency
2855 Coolidge Highway, Troy, MI 48084
Lakepointe Insurance Agency
25124 Jefferson Avenue, St. Clair Shores, MI 48081
Jay Munj
2916 East Long Lake Road, Troy, MI 48085
North Coast Insurance Services
100 West Big Beaver Road, Troy, MI 48084

FAQs

  • Can a life insurance company in Troy deny death benefits claim if the insured misrepresented their health conditions in the application?

    A life insurance provider in Troy can deny death benefit claims if the insured provided false information on their application, but this is only possible during the contestability period. According to Michigan Legislature Section 500.4014, insurers have a two-year window from the policy's initiation to contest claims. However, they can dispute claims after this period under specific circumstances, such as unpaid premiums, policy violations linked to wartime military service, provisions concerning disability benefits, and additional insurance covering accidental death.

  • Can you still cancel a life insurance policy in Troy if you have already received it?

    Yes. Michigan Legislation Section 500.4015 mandates that insurance companies in Troy must offer a 10-day free look period, allowing you to decide on keeping or canceling the policy. Should you opt to cancel during this period, the insurer is obligated to refund the premiums and fees you have paid. You can initiate cancellation by submitting a written request and the life insurance policy.

  • What happens if a life insurance policyholder in Troy passes away during the grace period with an unpaid premium?

    Should a policyholder in Troy pass away within the grace period with an overdue premium, the insurance company will subtract those, along with its associated interests, from the claim amount. Alternatively, if the policyholder is alive and has outstanding premiums, they have a 30-day window, as mandated by Michigan law, to settle the payments.

  • Is there a governing body that protects the interests of life insurance policyholders in Troy?

    Yes. The Michigan Department of Insurance and Financial Services is the organization that acts as the regulatory authority, ensuring life insurance companies comply with Michigan's laws. Consumers in Troy have the option to approach DIFS for information or address concerns regarding financial institutions and individual licensees, such as insurance providers.

  • Where can you seek help in Troy if your life insurance provider becomes insolvent?

    If your Troy-based insurance company faces insolvency, you can contact the Michigan Life & Health Insurance Guaranty Association. The goal of the non-profit organization MLHIGA, which consists of several life and health insurance providers, is to safeguard policyholders if a member firm is unable to fulfill its financial obligations. In such scenarios, the organization evaluates its member insurance companies to secure funds for covering the claims and maintaining the insurance coverage of insured individuals, albeit within limitations.

  • 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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