Expertise.com

2024

Last updated:

Best Life Insurance Companies in Ann Arbor

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

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

5083Reviewed

3057Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
15510 South Telegraph Road, Monroe, MI 48161
  • Life Insurance
  • Health Insurance

Why choose this provider?

Cuccia Insurance Agency is a Monroe-based insurance agency that caters to the residents of Ann Arbor. It offers life insurance plans from multiple national insurance carriers such as Citizens Insurance, Markel, and Progressive. The company compares and recommends rates for clients based on their budget and desired contract duration. Additionally, it can tailor these policies to pay for mortgage debts, to provide for children after death, or to fund their retirement savings. Cuccia Insurance Agency's founder, Ignazio, holds a degree in business administration and finance.

License Verified:

License: 19255187

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.0
Responsiveness
Friendliness
Helpfulness
––
Detail
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Website
450 South Maple Road, Ann Arbor, MI 48103
  • Health Insurance
  • Group Plans

Why choose this provider?

Kleinschmidt Agency, Inc., a division of Meadowbrook Insurance Agency, has been providing financial solutions for families and businesses in Ann Arbor since 1926. The company's agents coordinate with a network of carriers to help its clients acquire life insurance policies that suit their budget and the risks that they want to address. The firm also consists of a team of human resource service professionals who can assist business owners in setting up employee benefits and managing payrolls.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Google
4.0 / 5 (44)
Facebook
3.0 / 5 (5)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
510 West Grand River Road, Brighton, MI 48116
  • Life Insurance
  • Health Insurance

Why choose this provider?

Shawn Pipoly is an agent with Farm Bureau Insurance serving clients in Ann Arbor. He offers both term and whole life insurance plans, which can cover funeral expenses and lost income at the time of the policyholder's passing. He also provides auto, business, crop, health, and home insurance products. Shawn has been working in the insurance industry since 1988. He is active in his local community as a member of the Brighton City Council and a board member of the Downtown Development Authority.

License Verified:

License: 991691

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
6711 Monroe Street, Sylvania, OH 43560
  • Life Insurance

Why choose this provider?

Shaw-Wyse, Inc., is a team of financial experts that serves businesses and individuals in Ann Arbor. The company addresses the immediate needs of its clients through life, disability income, and long-term care insurance plans. Its professionals analyze clients' existing plans and provide suggestions to meet their objectives. These suggestions include money market funds and cash reserves for short-term requirements and investment products such as mutual funds and unit investment trusts for long-term goals. Shaw-Wyse, Inc., also helps in estate preservation and business succession.

License Verified:

License: 964087

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3300 Washtenaw Avenue, Ann Arbor, MI 48104
  • Life Insurance

Why choose this provider?

Serving in Ann Arbor for more than 20 years, Joe Tiberi Insurance Agency is an insurance team founded by Joe Tiberi. It carries policies across life, home, auto, business, and farm insurance. Joe Tiberi Insurance Agency sources its insurance products from its network of partner carriers. Its team of licensed insurance agents helps clients find the right insurance for their needs and ensures that they and their families are financially protected from everyday life risks.

License Verified:

License: 0302025

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (15)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
324 Clinton Street, Ann Arbor, MI 43512
  • Life Insurance

Why choose this provider?

Grant Insurance is an independent insurance agency that serves clients in Ann Arbor with the term, universal, and whole life insurance policies. Its other life insurance products include individual life insurance, disability insurance, group benefits, chronic illness rider, and long-term care insurance. Moreover, the agency provides personal insurance options, such as homeowners, auto, renters, and umbrella insurance policies. It also assists clients with Medicare Advantage, Medicare Supplement insurance, and Part D plans. Lastly, Grant Insurance has been operating since 1936.

License Verified:

License: 2214370

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7100 Jackson Road, Ann Arbor, MI 48103
  • Life Insurance

Why choose this provider?

C&M Insurance was founded in 1985 by Michigan native Gary Marker. Based in Ann Arbor, the agency serves its clients by finding a suitable policy depending on their needs. It offers various products, such as life, health, and farm and equine insurance. The business also works with different insurance providers to help policy buyers choose the right plan for them, their business, and their dependents. Marker has been in the business for 35 years before establishing C&M Insurance.

License Verified:

License: 961884

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (37)
Facebook
5.0 / 5 (6)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
141 Saline Street, Petersburg, MI 49270
  • Life Insurance
  • Health Insurance

Why choose this provider?

Iott Insurance Agency, Inc., is an insurance company servicing the Ann Arbor area via its three branches in Blissfield, Petersburg, and Lambertville. It was started by Francis C. Iott in 1950 and currently has a staff of 25 employees. It provides life insurance including term life policies, whole life insurance, and universal life coverage. The company also offers health, personal, business, and agriculture insurance. Iott Insurance Agency represents companies such as Grange Insurance, Blue Cross Blue Shield, and Foremost Insurance Group.

License Verified:

License: 958970

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
510 East Main Street, Manchester, MI 48158
  • Life Insurance

Why choose this provider?

Located in Manchester, Future Insurance Services Ltd. is an independent insurance agency servicing the Ann Arbor metro and nearby areas. Founded in 1989 by Scott Raspbury, the company represents different insurance carriers and has a portfolio of commercial and personal insurance products. It provides life, homeowners', renters', and auto insurance. Likewise, it offers commercial auto, general liability, builder's risk, professional liability, and workers' compensation policies. Future Insurance Services is a member of the Strategic Insurance Agency Alliance (SIAA).

License Verified:

License: 0009668

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
21 West Main Street, Milan, MI 48160
  • Life Insurance

Why choose this provider?

Since 1937, Jones Insurance has provided commercial and personal insurance to families and businesses in Ann Arbor. It provides financial planning which includes life insurance and annuities. Jones Insurance also writes life insurance policies in case of unforeseeable events. Other insurance services include home, auto, and business. It represents multiple companies like Foremost Insurance Group, Condon & Skelly, Hastings Mutual, and Citizens Insurance Company of America. The current president is Heather Gotts, who has worked with the firm since 1997.

License Verified:

License: 960803

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
5.0 / 5 (8)
Facebook
4.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3003 Washtenaw Avenue Suite 5, Ann Arbor, MI 48104
  • Life Insurance
  • Health Insurance
  • Supplemental Health Insurance
  • Home and Auto Insurance

Why choose this provider?

Nicole Ambrose is a third-generation State Farm agent based in Ann Arbor. She is passionate about developing relationships and helping individuals and families in the Ann Arbor and Ypsilanti areas. Nicole and her team strive to help their clients achieve their auto, home, life, and health insurance needs. They are willing to meet clients in whichever way they find comfortable, whether in person, through video virtual appointment, or via phone. In addition, they assist them in filing claims.

License Verified:

License: 9575540

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (65)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3074 Baker Road, Dexter, MI 48130
  • Life Insurance
  • Health Insurance

Why choose this provider?

Palmer Insurance is a second-generation, family-owned insurance agency serving Ann Arbor and surrounding communities. For more than 50 years, this independent insurance agency has been working with several carriers, such as Auto-Owners Insurance, CNA, and Grange Insurance, to deliver products to meet its client's needs. In addition to term, whole, and universal life policies, Palmer Insurance also offers key person life coverage for business owners. It also features supplemental plans, such as long-term care and fixed-rate annuities.

License Verified:

License: 960810

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (7)
Facebook
5.0 / 5 (7)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2030 Packard Street, Ann Arbor, MI 48104
  • Life Insurance

Why choose this provider?

John A. Barton Insurance is a family-owned independent agency located in the Ann Arbor area. The business specializes in insurance policies for life, annuities, homeowners, auto, and business. Founded by the company's namesake, the late John Barton was a pillar of the community who started his career in 1978. Today, his daughter Cynthia Barton-Spencer operates the agency. In 2018, Cynthia chaired the Signature Chefs Auction, a fundraiser for the Ann Arbor chapter of the March of Dimes.

License Verified:

License: 1682684

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2755 Carpenter Road, Ann Arbor, MI 48108
  • Life Insurance

Why choose this provider?

Ann Arbor Insurance Centre is an independent insurance agency that has been serving the Southeast Michigan area for more than 30 years. It offers life insurance, dental insurance, travel insurance, and fixed annuities. It also provides individual and group health insurance plans. Some of its other insurance products are homeowners' insurance, automobile insurance, and business insurance. Ann Arbor Insurance Centre works with a wide variety of insurance carriers, including Liberty Mutual, Safeco Insurance, and Foremost Insurance Group.

License Verified:

License: 0007345

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.7
Google
4.0 / 5 (16)
Facebook
3.0 / 5 (3)
Yelp
2.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6616 Monroe Street, Sylvania, OH 43560
  • Life Insurance
  • Long Term Care

Why choose this provider?

Montgomery-Nichols Insurance is an independent, full-service agency that caters to individuals, families, and businesses in Ann Arbor. The family-owned company has been delivering a broad range of insurance products and services since 1954. Its life insurance options include universal, whole life, and term life insurance. The agency also offers automobile protection, homeowners' insurance, business insurance, disability insurance, renters' insurance, umbrella coverage, and long-term care insurance. Principal Tom Nichols has been with the agency since 1991.

License Verified:

License: 1702798

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.3
Google
3.0 / 5 (6)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
180 Little Lake Drive, Ann Arbor, MI 48103
  • Life Insurance
  • Health Insurance

Why choose this provider?

Rick Starkey is an insurance agent at State Farm. He delivers a broad range of insurance products and services to individuals, families, and businesses in Ann Arbor. These include life, health, auto, home, property, and business insurance. State Farm's life insurance products range from term life, whole life, universal life, survivorship universal life, and family life. In addition, the company assists clients with changes such as changes of policy or beneficiary. It also offers banking and investments.

License Verified:

License: 7734772

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.5
Google
4.0 / 5 (21)
Facebook
2.0 / 5 (7)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1829 West Stadium Boulevard, Ann Arbor, MI 48103
  • Life Insurance

Why choose this provider?

LeQuana Robinson Insurance Agency is an independent company that offers life insurance to clients in Ann Arbor and the surrounding communities. It also offers other insurance products that cover homes, motorcycles, and workers' compensation. The company represents multiple insurance carriers including Great Lakes and Bristol West. Owner LeQuana Wallace has been in the insurance industry for over 15 years. She is a cancer survivor and a veteran that supports organizations such as the Central Academy of Ann Arbor and AmeriCorps.

License Verified:

License: 17630100

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (46)
Google
5.0 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.5
Responsiveness
Friendliness
Helpfulness
––
Detail
––

Website
5215 Monroe Street, Toledo, OH 43623
  • Life Insurance
  • Health Insurance

Why choose this provider?

Gary Schaber is the founder of Great Lakes Insurance, which caters to individuals and businesses in Ann Arbor. He is a licensed professional with over 15 years of experience and can thus serve both first-time and seasoned policyholders. Gary and his team offer term life, whole life, and universal life policies. They can recommend suitable options to help achieve goals like funding their children and building equity. Gary is also a veteran of the United States Marine Corps and is a member of the American Red Cross.

License Verified:

License: 0353049

Michigan Department of Insurance and Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

FAQs

  • Are there any limitations on the number of beneficiaries a life insurance policyholder can name in Ann Arbor?

    No, Ann Arbor life insurance policyholders can designate multiple beneficiaries. They can employ the per capita method, which evenly distributes the death benefit among all designated beneficiaries. On the other hand, the per stirpes method divides the portion of a deceased beneficiary among their descendants in an equal manner.

  • What are some of the common reasons to purchase life insurance in Ann Arbor?

    Residents of Ann Arbor are encouraged to purchase life insurance as a means to assist their loved ones in covering mortgage expenses should they experience a loss of income. Additionally, life insurance serves as a valuable resource for funding the educational expenses of their dependents. It also serves as a cost-effective risk management option for individuals who are young and in good health.

  • How soon can life insurance claims be paid in Ann Arbor?

    Most life insurance claims in Ann Arbor are disbursed within 10 days after the beneficiary submits a valid death certificate. Michigan law mandates that insurance companies promptly fulfill their obligation to pay beneficiaries once a death benefits claim has been submitted. In cases where insurers exceed a 60-day timeframe to resolve a claim, they are required to include accrued interest on the policy proceeds in compliance with the law.

  • Why should Ann Arbor residents use the services of a life insurance broker?

    Ann Arbor residents seeking life insurance are encouraged to enlist the services of insurance brokers due to their expertise in navigating various insurance options. These professionals possess the ability to explain complex life insurance terminology in a way that resonates with potential clients. Moreover, insurance brokers go beyond simply providing quotes, as they excel at aligning life insurance riders with clients' individual requirements and financial constraints.

  • Is it possible for Ann Arbor citizens with life insurance policies to change their existing plans to a different type of insurance policy?

    Yes, Ann Arbor residents can achieve this by utilizing a convertible life insurance policy. This typically occurs when policyholders surpass the specified term duration. Policy owners then have the choice to either convert it into an alternative policy type or terminate the coverage altogether. To facilitate policy conversion, the existing policy will be terminated and subsequently rewritten with a new designation.

  • 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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