Expertise.com

2024

Last updated:

Best Life Insurance Companies in Dearborn

Our Recommended Top 19

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 Dearborn 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.

4365Reviewed

2626Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
19304 Wyoming Avenue, Detroit, MI 48221
  • Life Insurance
  • Health Insurance

Why choose this provider?

Lifestyle Safety provides life insurance policies that cover funeral expenses for the deceased, funds for medical needs, college fees, mortgages, and income replacements for clients in Dearborn. It also offers options for premium waivers and in the event of accidental deaths. Clients can choose a coverage that doubles once their children reach the age of 18. Lifestyle Safety's agent Janine N. Davis has more than 15 years of industry experience. She also has background in handling actuarial and underwriting policies.

License Verified:

License: 18121727

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 (47)

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
18555 Fort Street, Riverview, MI 48193
  • Life Insurance
  • Long Term Care

Why choose this provider?

Champagne Agency is an insurance agency that serves clients in Dearborn. It offers a wide range of life insurance policies, including term life, unit-linked insurance, participating insurance, and non-participating insurance. It also offers various types of insurance products, such as car insurance, long-term care insurance, and flood insurance. The agency is a member of the Strategic Insurance Agency Alliance. Owner and principal agent Tamara Champagne specializes in small business coverage. She has been providing insurance services for 22 years.

License Verified:

License: 16794440

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.
4.6
Google
4.9 / 5 (351)
Facebook
4.0 / 5 (179)
Yelp
4.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1717 Fort Street, Wyandotte, MI 48192
  • Life Insurance

Why choose this provider?

E.W. Smith Agency is a small, family-owned insurance agency in Dearborn founded in 1917 by Edgar Smith. The firm assists clients in shopping for policies across auto, home, business, renters', and life insurance. It has partnered with Frankenmuth, AAA, Progressive, The Hartford, Auto-Owners, and Citizens to provide prospective policyholders with a broad range of options. Over the last century, the firm has grown into one of the biggest independent agencies in Southeast Michigan, managing 65 agents and employees.

License Verified:

License: 958238

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 (78)
Yelp
3.5 / 5 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
15206 Mack Avenue, Grosse Pointe Park, MI 48230
  • Life Insurance

Why choose this provider?

Since 1979, Noel Selewski Agency Inc. has been offering life insurance products to the Dearborn area. It also provides various types of insurance products for individuals seeking protection for their loved ones, wealth, and assets. These include home, auto, rental, commercial, umbrella, and content insurance services. Additionally, the agency is available for dwelling property, rental condo, tenant-occupied, and real estate-owned insurance products. Its sole proprietor owner, Noel Selewski, has worked for the John Hancock insurance company.

License Verified:

License: 964520

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 (6)
Google
5.0 / 5 (4)

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
22691 Michigan Avenue, Dearborn, MI 48124
  • Life Insurance
  • Health Insurance

Why choose this provider?

The Dearborn Agency is a life insurance firm that has been serving the metro's residents since 1924. The agency is equipped with more than 80 years of industry experience which makes it the oldest insurance company in Dearborn. The Dearborn Agency offers life and health insurance products, as well as personal and business insurance policies to its clientele. The agency also covers automobile, home, and umbrella policy insurance while also handling workers' compensation and business income insurance.

License Verified:

License: 958572

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.
3.9
Google
3.0 / 5 (39)
Facebook
5.0 / 5 (37)
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
3099 Biddle Avenue, Wyandotte, MI 48192
  • Life Insurance

Why choose this provider?

AssuredPartners has been serving the Dearborn community and surrounding metros since 2011. It helps clients financially protect their loved ones in the event of their passing by providing them with life insurance policies. Renters', motorcycle, boat and yacht, condo, and auto insurance plans are also available. The company supports individuals and businesses across various industries such as aerospace, real estate, transportation, senior living, construction and surety, and manufacturing. Its CEO, Paul Vredenburg, is a Certified Public Accountant.

License Verified:

License: 17926640

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 (31)
Facebook
5.0 / 5 (9)

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3156 Fort Street, Lincoln Park, MI 48146
  • Life Insurance
  • Health Insurance

Why choose this provider?

Acova Insurance Agency, Inc., is a company that offers life insurance coverage to clients in Dearborn and the surrounding areas. In addition to life insurance, which consists of universal life, whole life, and term life, the company offers health insurance policies such as vision, dental, Medicare, and group medical. It also provides a wide variety of insurance plans such as auto, homeowners, and commercial insurance. In addition, it extends its coverage to clients needing legal services for identity theft, surety bonds, and commercial drivers.

License Verified:

License: 10212986

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 (31)

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
8258 Allen Rd, Allen Park, MI 48101
  • Life Insurance
  • Health Insurance

Why choose this provider?

Smith Insurance Group is an Allen Park-based agency that extends its services to individuals, families, and business owners in the Dearborn metro and nearby communities. It is an independent agency that helps clients obtain life insurance policies that include universal, whole, and term coverages. Additionally, the company deals with other personal and business plans, such as homeowners', renters', classic car, builders' risk, and cyber liability insurance. Smith Insurance Group has been providing insurance solutions since 1903.

License Verified:

License: 962149

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 (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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
Dearborn, MI
  • Life Insurance

Why choose this provider?

Big John Insurance Agency is a full-service insurance agency owned by Paul Grosshans that services locals near Dearborn. The agency assists individuals and families select and secure insurance plans that offer coverage for their future goals. The most common life insurance plans Big John Insurance Agency assists with are term life and whole life or permanent life insurance. It also offers supplemental insurance coverage for short-term disability, accident indemnity, critical illnesses, and vision or dental needs.

License Verified:

License: 16165726

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 (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
131 Kercheval Avenue, Grosse Pointe Farms, MI 48236
  • Life Insurance
  • Health Insurance

Why choose this provider?

Robert Loomis & Associates is a full-service independent insurance agency that operates out of Dearborn. With over 50 years of experience, it provides life, health, home, auto, and business insurance coverage in 20 different states. The agency's insurance solutions are customized to fit client specifications and needs, regardless of what stage they are in life. The agents have insurance policies that protect individuals and families, as well as business owners and their corporate organizations. Rober Loomis & Associates only works with ACA-compliant providers.

License Verified:

License: 0008416

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
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
22333 Allen Road, Woodhaven, MI 48183
  • Life Insurance
  • Health Insurance

Why choose this provider?

Serving Dearborn, Howey & Associates Insurance is an independent insurance agency providing services to clients in the metro. It offers life insurance products such as term life insurance, whole life insurance, universal life insurance, group life insurance, worksite life insurance, and key man insurance. The company also has business and commercial insurance options including business income, commercial auto, professional liability, cyber liability, and employment practices liability insurance. Howey & Associates Insurance was established in 1953.

License Verified:

License: 962338

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
Yelp
4.0 / 5 (4)

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
10619 West Warren Avenue, Dearborn, MI 48126
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

The Mustapha Family Agency is an independent insurance firm in Dearborn. It provides different kinds of life insurance coverages, including term life insurance and whole life insurance. The company also offers property insurance policies covering homes, condo units, rental properties, personal articles, and flood damages. Some of its other offerings are vehicle insurance plans for auto, motorcycles, and boats. Owner Ghada Mustapha has over 10 years of professional experience in the industry.

License Verified:

License: 0448077

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

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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
21647 Allen Road, Woodhaven, MI 48183
  • Life Insurance
  • Health Insurance

Why choose this provider?

J.C. Moczydlowsky is a licensed, multi-line insurance agent at Farm Bureau Insurance. He introduces clients in Dearborn to a wide range of insurance products and services, including two types of life insurance, term life and whole life. Moczydlowsky also offers health, auto, home, business, and farm insurance. He additionally provides insurance coverage for crops and handles various types of retirement planning solutions, including SIMPLE IRA and traditional IRA. Moczydlowsky attends continuing education courses to further expand his insurance expertise and better serve his clients.

License Verified:

License: 0595054

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 (15)

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
3601 West Road, Trenton, MI 48183
  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Long Term Care
  • Term Life Insurance

Why choose this provider?

Drew Doran is a third-generation insurance agent of State Farm who serves individuals, families, and businesses in Dearborn. He helps and advises clients with finding and purchasing insurance products that fit their future goals and needs. One of the services he offers is life insurance policies, the most common of which are term life and whole life or permanent life insurance. Additionally, Doran also offers other types of insurances, including home, auto, and property insurance.

License Verified:

License: 16828410

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.
4.4
Google
4.6 / 5 (13)
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
936 North Telegraph Road, Dearborn, MI 48128
  • Life Insurance
  • Health Insurance

Why choose this provider?

Bob Zakar has been a State Farm agent since 1974, providing life insurance policies to customers in Dearborn and the nearby communities. State Farm offers term life, whole life, and universal life insurance policies. It also has the capabilities of helping clients change their policies and beneficiaries. Bob also helps clients secure auto, home, and business insurance. In addition, clients may consult him for various financial services. Bob is a member of the Dearborn Area Chamber of Commerce and the HFC Foundation.

License Verified:

License: 971331

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 (74)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
6736 Allen Road, Allen Park, MI 48101
  • Life Insurance

Why choose this provider?

Goodwin, Lademan & Associates, Inc., is an independent agency providing personal and business insurance in Southeastern Michigan, including Dearborn, since 1999. It offers life insurance, health insurance, pet insurance, casualty insurance, disability insurance, and property insurance. Its team of agents designs insurance programs and then markets them to various self-insured groups, managing agencies, and insurance companies. The company represents American Modern, Blue Cross Blue Shield of Michigan, Delta Dental of Michigan, Humana, The Hartford, and UnitedHealthcare

License Verified:

License: 0020307

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 (15)

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
6442 Michigan Avenue, Detroit, MI 48210
  • Life Insurance
  • Health Insurance

Why choose this provider?

Founded in 2012, Family Auto Insurance Agency is a provider of group life insurance products for clients in Dearborn. It offers term life insurance that benefits various types of groups, including employees of companies and members of unions, associations, and superannuation funds. It also caters to businesses applying for group health, disability, dental, and vision insurance policies. In addition, its team carries supplemental and accidental insurance plans that pay for the expenses not covered by the policyholder's regular insurance.

License Verified:

License: 18176462

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.
3.9
Google
3.9 / 5 (49)

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
22200 Huron River Drive, Rockwood, MI 48173
  • Life Insurance
  • Health Insurance

Why choose this provider?

Mercure Insurance Agency Inc. has been providing life insurance solutions to clients in the Dearborn area since 1980. The company assists clients plan or purchase term or permanent life insurance, as well as convertible policies. It also offers various personal insurance products, including homeowners, auto, boat, motorcycle, and flood coverages. Commercial products are also provided, such as cyber, umbrella, and general liability, in addition to workers' compensation and marine insurance. Moreover, it is a Trusted Choice agency.

License Verified:

License: 0005525

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
Facebook
4.9 / 5 (15)

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
16093 Eureka Road, Southgate, MI 48195
  • Life Insurance

Why choose this provider?

Lademan Insurance Agency is an independent company serving businesses, families, and individuals in the Dearborn metro. It is a life insurance service provider that helps clients acquire whole, term, and universal coverages. Additionally, the company's insurance professionals offer other personal and business policies such as home, motorcycle, auto, workers' compensation, and fleet insurance. Lademan Insurance Agency is a family-owned business that has been providing insurance solutions since 1947. It supports the Animal Resource Funding Foundation to give back to the community.

License Verified:

License: 960201

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 (94)
Facebook
4.0 / 5 (49)

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

FAQs

  • Can seniors obtain life insurance in Dearborn?

    Yes, seniors can obtain life insurance in Dearborn; however, finding affordable options may be more difficult. Whole life insurance is a policy that may be appropriate for seniors because it provides stable premiums and a guaranteed payout upon the insured's death. This type of insurance is frequently used to cover final expenses or to leave an inheritance to heirs. It is strongly advised that you consult with an insurance agent to learn more about your options.

  • Can you designate a charity as a beneficiary of your life insurance policy in Dearborn?

    Yes, you can name a charity or nonprofit organization as the beneficiary of your Dearborn life insurance policy. You can also name multiple beneficiaries, which allows you to divide the death benefit between your loved ones and a charity. You can also specify the exact percentage of the payout that will go to your chosen charity.

  • Can you surrender your life insurance policy in Dearborn?

    Yes, you can give up your Dearborn life insurance policy. However, doing so may have consequences, such as a loss of coverage and potential tax implications. When you surrender your policy, you agree to accept the cash surrender value determined by the insurance company in exchange for giving up the death benefit.

  • How can you ensure that your beneficiaries receive the life insurance proceeds in Dearborn?

    To ensure that your chosen Dearborn beneficiaries receive the life insurance proceeds, keep them informed about the policy's existence and coverage details, and provide them with a copy of the policy. It is also recommended that you share information about your beneficiaries with your legal and financial advisors, review your policies on a regular basis, and keep organized records in a secure location while making sure your beneficiaries know where to find this information.

  • Are there any exclusions in life insurance policies in Dearborn?

    It is important to thoroughly review your Dearborn life insurance policy to identify any exclusions. Suicide is one of the most common exclusions in life insurance policies. If the cause of the policyholder's death falls under one of the listed exclusions, the insurance company may deny your claim.

  • 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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