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2024

Last updated:

Best Life Insurance Companies in Rochester Hills

Our Recommended Top 20

We did the research for you!

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

3327Reviewed

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20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6235 Corunna Road, Flint, MI 48532
WebsiteLicense: 0005613

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Facebook
4.7 (20)
Google
4.0 (16)
Yelp
5.0 (1)

Why choose this provider?

Established in 1915, Blackmore-Rowe Insurance is a family-owned independent insurance agency that serves Flint and surrounding Michigan areas, including Rochester Hills. It partners with multiple insurance carriers and offers a variety of coverage solutions such as life and health insurance, home and auto insurance, commercial property insurance, general liability insurance, cyber liability insurance, and beekeeper insurance. It also offers specialized business insurance solutions such as farm, contractor, school, restaurant, and non-profit insurance. Blackmore-Rowe Insurance is licensed in 10 states and has 5 community memberships.

  • Life Insurance
  • Health Insurance

932 South Lapeer Road, Oxford, MI 48371
WebsiteLicense: 19788983

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Google
4.0 (22)

Why choose this provider?

Community Insurance Center has been providing insurance and financial services to clients in the Rochester Hills area for over 40 years. It offers life and health insurance for individuals and businesses. It also provides insurance to personal properties such as auto, watercraft, motorcycles, motor homes and RV; as well as homes, condos, and rentals. Umbrella insurance, identity theft protection, and valuable items coverage are also offered. Community Insurance Center also caters to specialty insurance coverage for golf courses and contractors.

  • Life Insurance
  • Health Insurance

67920 Van Dyke, Romeo, MI 48065
WebsiteLicense: 960802

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Facebook
4.0 (6)
Google
5.0 (1)

Why choose this provider?

Serving Rochester Hills, Thomas S. Raymond Agency, Inc. provides a range of insurance solutions to clients in the metro. It offers personal insurance products such as life insurance, disability income insurance, auto insurance, recreational vehicle insurance, high-risk auto insurance, and personal umbrella insurance. The company also has business insurance coverage options like property insurance, commercial auto insurance, commercial general liability insurance, workers’ compensation insurance, and bonds. Thomas S. Raymond Agency, Inc. was established in 1939.

  • Life Insurance

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

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Facebook
5.0 (11)
Yelp
5.0 (2)

Why choose this provider?

Aitken & Ormond Insurance & Risk Management is an independent insurance company that handles term life and whole life insurance solutions. Serving the community of Rochester Hills, it provides access to various carriers to give its clients the freedom to select the most fitting insurance coverage for their needs and goals. Its agents strive to offer objective advice and recommendations, as well as assistance during the claim process. Aitken & Ormond Insurance & Risk Management has three offices in New Baltimore, Grosse Pointe, and St. Clair.

  • Life Insurance

2550 South Rochester Road, Rochester Hills, MI 48307
WebsiteLicense: 12259059

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Google
5.0 (126)

Why choose this provider?

The Benefits Group is a full-service employee benefits agency serving Rochester Hills since 1978. It offers mainly health insurance products like dental and vision insurance for groups and individuals as well as employee health insurance. Its team designs benefit plans according to the clients' specific needs. Its other services include disability, travel, and life insurance. The Benefits Group is a benefits provider of the Michigan Mental Health Counselor’s Association. The agency has also received awards of excellence from companies like Humana and The Guardian.

  • Life Insurance

9787 Dixie Highway, Anchorville, MI 48004

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Google
4.0 (30)

Why choose this provider?

Del Barba Insurance is a family-owned and family-operated company that has been serving families, individuals, and businesses in the community of Rochester Hills and its surrounding areas since 1962. It offers a wide range of insurance coverages that includes life, homeowners', health, and automobile insurance. The company creates customized insurance solutions to protect its clients' businesses from worker's compensation to general liability. In addition, its independent insurance agents also work with multiple carriers to provide customers with bill pay and online claims services.

  • Life Insurance
  • Health Insurance

38221 Mound Road, Sterling Heights, MI 48310
WebsiteLicense: 18402925

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Google
5.0 (487)
Facebook
5.0 (27)

Why choose this provider?

Envision Insurance is an independent insurance agency that serves clients in Rochester Hills. It offers various types of life insurance policies that include whole life, term life, universal life. It also offers other insurance products, such as home, auto, group health, and business insurance. Its partnership with several insurance companies, including Liberty Mutual, Humana, and Progressive, has allowed Envision Insurance to offer a wide range of insurance options for clients. Tony Saco serves as the agency's president.

  • Life Insurance
  • Health Insurance

68364 Main Street, Richmond, MI 48062
WebsiteLicense: 958640

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Google
5.0 (225)
Facebook
5.0 (167)

Why choose this provider?

Verlinde Insurance Agency is a locally owned independent business providing life insurance solutions to clients in Rochester Hills. The company helps clients protect their families from financial hardships by providing various life insurance options, including term, whole, and universal life. It aims to ensure that the clients understand each option to help them chose the coverage that benefits them the most. Additional services, such as auto, home, and business insurance, are provided. Moreover, Verlinde Insurance Agency works with clients in wealth management.

  • Life Insurance

8344 Hall Road, Utica, MI 48317
WebsiteLicense: 959669

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

Why choose this provider?

Beck Insurance Agency has been providing insurance solutions to individuals and families in Rochester Hills since 1939. It is a family-owned and independent firm offering life insurance plans. Its insurance agents review existing coverages and provide counsel in cases where policy updates are needed, ensuring that the policyholder is adequately covered should the unexpected happen. Additionally, the agency furnishes auto, homeowners, renters, RV, and motorcycle insurance. Business insurance, such as general liability, workers' compensation, and cyber liability are also available.

  • Life Insurance

930 West Avon Road, Rochester Hills, MI 48307
WebsiteLicense: 7822699

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Review Sources

Google
4.0 (207)
Facebook
5.0 (34)
Yelp
3.0 (7)

Why choose this provider?

Mike Bashore is a State Farm insurance agent that provides insurance services to local individuals and businesses of Rochester Hills and surrounding communities. He provides insurance services like term life insurance, universal life insurance, whole life insurance, motorcycle insurance, renters insurance, and homeowners insurance. Additionally, he provides additional insurance services like business owner's policy, surety and fidelity bonds, workers' compensation, contractors' policy, commercial auto insurance, and liability umbrella. Mike began his career with State Farm in 2003.

  • Life Insurance

72980 Fulton Street, Armada, MI 48005
WebsiteLicense: 15996636

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Facebook
5.0 (19)
Google
4.0 (12)

Why choose this provider?

Duncan Insurance is an independent personal insurance agency committed to delivering customized solutions for individuals and families in Rochester Hills. Its team of agents has over 100 years of cumulative experience in the industry and maintains relationships with several insurance companies. They help clients review the wide range of available life insurance options and create a tailor-fit package that answers their unique needs and fits their budget. Additionally, the agency provides commercial and farm insurance policies.

  • Life Insurance

58904 Van Dyke Avenue, Washington, MI 48094
WebsiteLicense: 16113080

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Review Sources

Facebook
3.0 (9)

Why choose this provider?

Adam Smith is a life insurance agent who serves the Rochester Hills area. He and his team connect with customers and walk them through term, whole, and universal life insurance options. He also provides advice on other coverage types, including home, property, auto, and pet insurance, as well as financial matters like banking and mutual funds. Adam Smith is a Macomb County Chamber of Commerce member and a Business Administration graduate. In addition, he speaks Spanish, Arabic, French, Hindi, and Portuguese.

  • Life Insurance
  • Health Insurance

45445 Mound Road, Utica, MI 48317
WebsiteLicense: 958352

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Review Sources

Facebook
5.0 (10)

Why choose this provider?

Action Insurance Service is an independent, full-service insurance firm that comprises professionals who are committed to providing services with excellence and establishing trust with clients. The firm has been providing financial and insurance services to clients in Rochester Hills for more than 50 years. It specializes in products such as auto, business, life, health, and home insurance. Its life and health insurance options include plans that cover disability income, vision, self-insured health, and pension plans. Its life insurance has an insurable interest, which is included when purchasing life insurance for another person.

  • Life Insurance
  • Health Insurance

7044 Gateway Park Drive, Clarkston, MI 48346
WebsiteLicense: 10426551

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Review Sources

Facebook
2.0 (3)

Why choose this provider?

Total Insurance Agency Services offers its services to clients in Rochester Hills and its nearby areas. It provides life, health, home, and pet insurances. It also addresses business and auto insurance concerns, as well as annuities. Its team of insurance professionals focuses on customizing coverage to address its clients' concerns and necessities. The agency is a member of the Michigan Association of Insurance Agents. Total Insurance Agency Services has been in operation for over 105 years.

  • Health Insurance
  • Life Insurance

21250 Hall Road, Clinton Township, MI 48038
WebsiteLicense: 1903189

Expertise.com Rating

Review Sources

Yelp
5.0 (3)

Why choose this provider?

Brian Lane is a Farm Bureau multi-line insurance agent serving clients in Rochester Hills and the rest of Michigan. He offers term and whole life insurance plans, as well as commercial insurance products for business auto and worker's disability compensation. He also provides health insurance policies for homeowners, farmers, and retirees. Crop insurance is also available. Lane strives to improve his services by attending continuing education programs. He is also a Life Underwriter Training Council Fellow.

  • Life Insurance
  • Health Insurance

1717 Fort Street, Wyandotte, MI 48192
WebsiteLicense: 958238

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Review Sources

Google
4.0 (16)
Yelp
3.0 (6)

Why choose this provider?

E.W. Smith Agency has been in the life insurance industry since 1917, serving the insurance needs of Rochester Hills residents and the surrounding areas. It has helped clients in acquiring suitable policies for auto, home, business, and life insurance policies over the last 100 years. They offer two life insurance options, namely term insurance and permanent insurance, to fit the specific needs of policyholders. It represents a number of insurance companies from which clients can choose specific products, these carriers include Frankenmuth, Foremost, Grange, and Progressive.

  • Life Insurance

7151 North Main Street, Clarkston, MI 48346
WebsiteLicense: 8861962

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Review Sources

Facebook
5.0 (11)

Why choose this provider?

Ryan Insurance Independent Agency is a family-owned full-service insurance firm that delivers its services to clients in Rochester Hills and the neighboring communities. The insurance agency offers guidance to clients planning for their future by providing them with life insurance products that include term life and universal life insurance. It also provides clients with options for personal umbrella insurance policies that protect clients from liabilities and lawsuits. Additional products include home and auto insurance plans.

  • Life Insurance

805 Oakwood Drive, Rochester, MI 48307
WebsiteLicense: 0117420

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Review Sources

Google
5.0 (15)
Facebook
5.0 (3)

Why choose this provider?

Michigan Insured Insurance Agency is an insurance company whose mission is to help customers in Rochester Hills find the right life insurance coverage to secure their and their family's future. Its life insurance options include universal, term, and whole life insurance plans. Established over 10 years ago, the agency also offers home, car, and business insurance coverages. With a goal to provide quality and convenient service, its team strives to help clients in each step of the insurance process.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

55075 Van Dyke Avenue, Shelby Township, MI 48316
WebsiteLicense: 4598345

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Review Sources

Google
3.0 (7)

Why choose this provider?

Cadili Insurance Agency, Inc., is an independent company serving the Rochester Hills metro. It is a life insurance provider that offers term, whole, variable, annuity, and universal coverages. Additionally, the business helps individuals and families acquire other plans, such as auto, umbrella, home, long-term care, and Medicare Supplement insurance. It also deals with financial planning services that include traditional IRA and 401k insurance coverages. Cadili Insurance Agency has been providing insurance solutions for more than 50 years.

  • Life Insurance
  • Health Insurance

36391 26 Mile Road, Lenox, MI 48048
WebsiteLicense: 6985566

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Review Sources

Facebook
4.0 (37)

Why choose this provider?

Beth Shutko is an insurance agent offering its services to the residents of Rochester Hills. She offers life insurance, home, property, auto, and business. Beth is a State Farm agent and is also the head of The Beth Shutko State Farm Team established in 2008. Her team has a combined experience of over 20 years and sponsors local community organizations. She also offers pet, health, mutual funds, annuities, and banking insurance. Beth is a notary in the State of Michigan.

  • Life Insurance
  • Health Insurance

FAQs

  • When is a good time to review your life insurance policy in Rochester Hills?

    Depending on how your life changes and how well your current needs are met, you may need to make changes to your life insurance policy. This could be taken into account if a Rochester Hills policyholder gets married, gets separated, has kids, starts a new business, buys a house, or acquires a big inheritance. If a person's health has gotten worse, if they have family members who need long-term care, or if they help support a parent financially, they should also check their insurance coverage.

  • Are taxes imposed on cash value interests of life insurance policies in Rochester Hills?

    No, taxes are not levied in Rochester Hills. The cash value increase of a permanent life insurance policy is tax-deferred, so taxes are not due on the growth of the cash value unless money is withdrawn from the policy. Similarly, life insurance death benefits paid to the beneficiary or beneficiaries are tax-free.

  • What variables impact Rochester Hills life insurance rates?

    There are a number of things that affect the cost of life insurance in Rochester Hills. Age is one of the most important factors, and because younger people are less likely to die, they often get lower rates. Since women tend to live longer than men, life insurance companies often charge lower premiums for women. Your medical history, way of life, and family history may also have an effect on your insurance rates.

  • In Rochester Hills, what is the procedure for making a life insurance claim?

    To make a claim on a life insurance policy in Rochester Hills, you must first get in touch with your insurance company and give them the necessary information. The insurer will then need proof that the policyholder has died, such as a copy of the policyholder's death certificate or other legal documents. You may also be asked how you would like to get paid for the death benefit.

  • Is term life insurance still a good option in Rochester Hills, despite its limited coverage?

    Yes, term life insurance is a good option for Rochester Hills residents who need life insurance but are on a tight budget, or for those who have small children who will soon be financially independent. People who outlive the policy period do not receive any benefits because there is no cash value, which is why term life insurance prices are frequently much lower than those for whole life insurance policies.

  • 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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