Expertise.com

2024

Last updated:

Best Life Insurance Companies in Lansing

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 Lansing 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.

5065Reviewed

3046Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
120 North Washington Square, Lansing, MI 48933
  • Life Insurance

Why choose this provider?

Lifetime Insurance Services is an independent insurance agency serving clients in Lansing. The professionals in this company aim to provide an insurance plan that meets the clients' needs. They offer a wide range of products, including life, home, auto, renters, and umbrella insurance. Lifetime Insurance Services also provides general liability, workers' compensation, and contractors insurance to its commercial clients. Its co-founder, Jeff Grimm, is a Dave Ramsey Endorsed Local Provider, working with multiple insurance companies to provide clients with numerous options.

License Verified:

License: 15019038

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 (8)
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
4295 Okemos Road, Meridian charter Township, MI 48864
  • Life Insurance

Why choose this provider?

Peninsula Insurance Services is a local independent agency that assists individuals and businesses in the community of Lansing and its surrounding areas. The business offers a wide range of insurance products, including life, boat, homeowners', auto, and umbrella insurance. Its team partners with several carefully sought-out insurance carriers, allowing clients to compare pricing and coverage options. In addition, Peninsula Insurance Services also provides business insurance coverage for professional liability, commercial property, and business owners' insurance.

License Verified:

License: 16157233

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 (300)
Facebook
4.0 / 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
1380 Haslett Road, Meridian charter Township, MI 48840
  • Life Insurance

Why choose this provider?

NuStar Insurance Agency, Inc., is a Haslett Road-based company serving individuals and businesses in the Lansing metro. It is an independent insurance agency that works with multiple carriers in creating personalized life insurance coverages. The business also offers health, disability, home, umbrella, and business insurance. Its insurance professionals provide 24/7 assistance to clients who have insurance concerns. They also educate clients on the importance of purchasing insurance plans. NuStar Insurance Agency, Inc., has been in the business since 1950.

License Verified:

License: 958247

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.
4.8
Google
4.8 / 5 (33)

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
2760 East Lansing Drive, East Lansing, MI 48823
  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

Meiers Lombardini Lemanski Insurance is a life insurance firm that serves clients from Lansing and nearby areas. The company offers a wide range of life insurance options, such as term, whole, and universal, to secure the family of clients in case of an unexpected event. Insurance packages for homes, businesses, and vehicles are also available. The company has been providing its services to the community since 1976. It is also a Dave Ramsey endorsed local provider.

License Verified:

License: 959565

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 (80)
Google
5.0 / 5 (55)
Yelp
3.5 / 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
3141 South Pennsylvania Avenue, Lansing, MI 48910
  • Life Insurance

Why choose this provider?

Marc Nichols Insurance Agency helps families, individuals, and small businesses in Lansing protect their assets through a robust insurance plan. The firm was established in 2012 by Marc Nichols, an insurance expert who acted as a claims representative for nearly two decades before running his own business. Nichols and his team of agents can guide clients who wish to ensure the financial stability of their dependents through a customized life insurance plan. Marc Nichols Insurance Agency also offers commercial insurance solutions for business owners.

License Verified:

License: 0097299

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.
4.1
Google
4.0 / 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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
12830 Old U.S. 27, DeWitt, MI 48820
  • Life Insurance
  • Health Insurance

Why choose this provider?

Alex Shattuck is an insurance agent who has years of experience working with State Farm Insurance. He opened the Alex Shattuck State Farm office in 2018 to provide financial reviews and insurance services in Lansing and surrounding areas. Moreover, Shattuck offers different life insurance quotes, such as family, term, universal, and whole life insurances. He is also experienced in handling home, auto, property, health, and business insurances. His other products cover annuities, banking, and mutual funds.

License Verified:

License: 0512527

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.
4.8
Google
4.8 / 5 (40)
Facebook
5.0 / 5 (6)

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
3410 Belle Chase Way, Lansing, MI 48911
  • Individual Plans
  • Life Insurance

Why choose this provider?

Payne Insurance Agency is a provider of life insurance policies to individuals and families in Lansing and the surrounding communities. The types of life insurance policies it offers include whole, term, universal, and guaranteed issue whole life insurance. It also offers auto, condominium, motorcycle, personal umbrella, boat, and recreational vehicle insurance. In addition, Payne Insurance Agency offers business insurance policies. This family-owned and operated independent insurance agency has been in the business for more than four decades.

License Verified:

License: 3415040

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 (19)
Facebook
5.0 / 5 (2)
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
2143 Commons Parkway, Okemos, MI 48864
  • Life Insurance
  • Health Insurance

Why choose this provider?

Cedar River Insurance Agency represents various companies for families and businesses' insurance needs throughout the community of Lansing. It offers personal insurance coverages that include life, auto, flood, boat & watercraft, dental, and homeowners insurance. It provides an assessment of insurance needs with a choice of which package fits the customer's preference. Its team of professionals can also be the client's liaison with the insurance carriers in the event of a claim. Its owner, Ted Methner, has been in the insurance industry for over 25 years.

License Verified:

License: 972663

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 (14)
Facebook
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2163 University Park Drive, Okemos, MI 48864
  • Life Insurance
  • Health Insurance

Why choose this provider?

Shinberg-LTB Agency has been serving customers in Lansing and the surrounding areas since 1929. It strives to provide its clients with personalized solutions and planning through its partnerships with various companies. It offers a range of products, which include life, health, homeowners, and renters' insurance. Commercial property, auto, and general liability products are also available. The company can also provide employee benefits such as Medicare and group health plans, as well as annuities and voluntary benefits.

License Verified:

License: 958347

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.
4.1
Google
4.0 / 5 (42)
Facebook
5.0 / 5 (5)
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
2205 Abbot Road, East Lansing, MI 48823
  • Life Insurance
  • Health Insurance

Why choose this provider?

Hacker-King-Sherry (HKS) started serving the Lansing area in 1919. They offer renters', life and health, auto, homeowners, umbrella, and commercial insurance. Additionally, they offer other coverages such as motorcycle, boats/watercraft, and recreational vehicle insurance. As an independent agency, it represents many companies, allowing clients to choose a comprehensive coverage at the best possible price. HKS guarantees to meet all clients’ insurance needs with a personal touch, based on their commitment to offering the most valuable services possible to properly protect the client’s family and assets.

License Verified:

License: 958192

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 (28)

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
1159 Trowbridge Road, East Lansing, MI 48823
  • Life Insurance
  • Health Insurance

Why choose this provider?

Bubolz Insurance is a family-owned insurance agency serving clients in the Lansing area since 1896. It provides life and health insurance products such as individual disability, individual long-term care, income replacement, group medical care, and Medicare supplements. The agency also offers homeowners insurance, business insurance, and automobile insurance. It represents several insurance companies, including the Pioneer State Mutual Insurance Company, Frankenmuth Insurance, and Wolverine Mutual Insurance Company. George C. Bubolz III, the president of Bubolz Insurance, received his insurance agent license in 1976.

License Verified:

License: 958421

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1824 South Pennsylvania Avenue, Lansing, MI 48910
  • Health Insurance
  • Life Insurance

Why choose this provider?

Darrean Dunn is a State Farm insurance agent serving Lansing residents since 1996. He offers insurance products for life, health, home, and business. His primary goal is to make sure that his actions are driven by keeping his clients' needs first by asking them about their needs and financial status. Darrean holds a degree in management and is a former board member of The First Tee of Mid-Michigan and a Habitat for Humanity-Chamber of Commerce volunteer.

License Verified:

License: 0090623

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 (17)
Yelp
3.5 / 5 (3)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2722 East Michigan Avenue, Lansing, MI 48912
  • Life Insurance

Why choose this provider?

Logan Insurance Group is a locally owned and operated company serving residents and businesses in the Lansing area. It offers a full range of life insurance options, including whole life, term life, universal, disability, and long-term care coverages. The company also helps clients acquire umbrella, classic car, home, flood, and business insurance. Logan Insurance Group has been in the business for more than two generations. Owner Chad Logan is an independent insurance agent who has been in the industry for more than 15 years.

License Verified:

License: 18448193

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 (11)
Google
5.0 / 5 (7)

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
708 South Cedar Street, Mason, MI 48854
  • Life Insurance
  • Health Insurance

Why choose this provider?

Trinesha Goebel is an insurance agent at State Farm who provides her services to clients in Lansing. She offers three types of life insurance products, which are whole life, universal life, and term life insurance. Goebel has been with the agency since 1989 and is a member of the Women's Council of Realtors, Business Networking International, and the National Association of Insurance and Financial Advisors. Her team has over 80 years of combined experience in the industry.

License Verified:

License: 8289362

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
5.0 / 5 (19)
Yelp
3.0 / 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
330 West Lake Lansing Road, East Lansing, MI 48823
  • Life Insurance

Why choose this provider?

Founded in 1933, Allaby & Brewbaker is a third-generation, family-owned independent insurance agency that serves Lansing residents, businesses, and farms. It offers various life insurance plans, such as whole life insurance, term life insurance, long-term and short-term disability insurance, and long-term care insurance. Additionally, it also provides coverage for auto, farms, homes, pets, and watercraft. One of the principals, William Brewbaker, started his career in the company in 1983 and earned his Certified Insurance Counselor designation in 1986.

License Verified:

License: 958955

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.
3.8
Facebook
4.0 / 5 (6)
Google
3.0 / 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
––

Website
1159 Trowbridge Road, East Lansing, MI 48823
  • Life Insurance
  • Health Insurance

Why choose this provider?

David J Hutchins is a Michigan-based independent insurance agent providing insurance products and services to families and individuals in the Lansing area. His life insurance packages are well-curated and personalized, ensuring that clients receive the right coverage for their specific needs. He works with 10 of the top life insurance carriers in the country and is well-versed in the Marketplace-ACA, which allows him to effectively identify the most ideal plans for any budget. David also specializes in individual and family health insurance.

License Verified:

License: 13890133

Michigan Department of Insurance and Financial Services

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
4299 Five Oaks Drive, Lansing, MI 48911
  • Life Insurance

Why choose this provider?

Capital Insurance Services is an independent insurance firm that serves clients in Lansing. The firm offers a variety of life insurance products, such as term life and universal life insurance. It provides other insurance solutions, including auto, condo, renters', homeowners', and boat insurance. The firm also assists commercial clients with business property, cyber liability, and workers' compensation insurance. Capital Insurance Services has been operating since 1980. Its president, Adam Gilroy, is a member of the Small Business Association of Michigan.

License Verified:

License: 961056

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 (3)
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
6100 South Cedar Street, Lansing, MI 48911
  • Life Insurance
  • Health Insurance

Why choose this provider?

Stop 1 Insurance is an independent and full-service company that offers personal and business insurance to clients in Lansing and its surrounding areas. It provides life insurance plans for individuals in different life stages, no matter their driving or credit history. Additionally, the company caters to customers in need of an automobile, home, medical, and business insurance. Stop 1 Insurance's agents have access to multiple insurance agencies to build a customized plan for their clients.

License Verified:

License: 18407041

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 (61)
Facebook
4.0 / 5 (10)
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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

FAQs

  • Can you borrow money from your variable life insurance plan in Lansing?

    Yes, the cash value of your variable life insurance policy will be used as collateral for a loan from your Lansing insurance provider. Your insurance provider will charge interest like any other lender, but repayment terms for loans secured by life insurance are far more flexible. The cash value of your policy determines how much you can borrow against it.

  • Will your Lansing life insurance coverage be affected by your retirement?

    Retirement has no bearing on your Lansing personal life insurance policy. However, unless you convert it, the group life insurance plans provided by your employer expire when you retire. If your employer's coverage expires and you have a personal life insurance policy, you should consider purchasing final expense insurance, also known as burial insurance, as it is an affordable option designed for seniors.

  • How do you fix a mistake on your Lansing life insurance application?

    If you make a mistake on your Lansing life insurance application, contacting your insurance company will assist you in making the necessary corrections and updating your application with the correct information. If you discover that you unintentionally falsified information after receiving a policy, your insurer will walk you through the reinstatement process, which may include amending your application and possibly changing your premiums.

  • What details are gathered in a Lansing life insurance phone interview?

    A life insurance provider in Lansing will ask you numerous questions during the phone interview to acquire crucial information, such as your:

    • Medical background, such as past operations, illnesses, or hospitalizations.
    • Family's medical history, including any hereditary disorders that could put you at danger.
    • General health condition, including any existing illnesses or underlying problems.
    • Lifestyle choices, like drinking and smoking.
    • Financial situations, including debts and assets.
    • Occupation and any risky activities you participate in.
  • Are you required to pay taxes on the cash you obtained as a beneficiary of a life insurance policy in Lansing?

    No, the payout from a Lansing life insurance policy that you receive as the beneficiary is not considered gross income and is therefore exempt from tax reporting. However, any interest earned is taxable and must be declared as income. If you are not sure whether you have to pay taxes on your life insurance payout, you can consult the IRS's Interactive Tax Assistant tool.

  • 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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