Expertise.com

2024

Last updated:

Best Life Insurance Companies in Warren

Our Recommended Top 8

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 Warren 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.

6002Reviewed

3604Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

43200 Garfield Road, Clinton Township, MI 48038
WebsiteLicense: 964260

Expertise.com Rating

Review Sources

Google
4.5 (139)
Facebook
5.0 (9)
Yelp
3.5 (3)

Why choose this provider?

Lakeside Insurance Agency has been operating in the Metro Detroit area since 1978. It can assist Warren clients in acquiring insurance policies and filing claims. Its portfolio of insurance products ranges from term, universal and whole life insurance to business liability insurance. As an independent agency, it assesses the clients' needs before collaborating with them to create a coverage plan tailored to their financial circumstances. Lakeside Insurance Agency works with several insurance carriers, including Hastings Mutual Insurance Company and The Hanover Insurance Group.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

24530 Gratiot Avenue, Eastpointe, MI 48021
WebsiteLicense: 0071122

Expertise.com Rating

Review Sources

Google
5.0 (80)
Facebook
5.0 (6)

Why choose this provider?

Vev Tripp is a State Farm insurance agent that has been serving Warren clients since 1985. She offers term, whole, and universal life insurance coverage options to individuals who want to secure the futures of their families. The policies are also available for small businesses which can contribute to business continuation, key employees, employee benefits, or key employee incentives. Tripp and her team also offer auto, health, and home insurance. Moreover, they conduct referral programs for retirement planning.

  • Life Insurance
  • Health Insurance

29055 Schoenherr Road, Warren, MI 48088
WebsiteLicense: 5698632

Expertise.com Rating

Review Sources

Google
4.0 (48)
Facebook
5.0 (2)

Why choose this provider?

Grace Bray is a life insurance agent who works with State Farm serving clients in Warren. It offers comprehensive life, health, property, and automobile insurance policies. It also provides risk protection packages for mutual funds, annuities, and banking. Bray has been in the industry for over 20 years. Her team of insurance agents aims to provide customer-oriented services. State Farm was established in 1922. The company gives back to the local community by donating charitable grants to nonprofit organizations.

  • Life Insurance
  • Health Insurance

39850 Van Dyke Avenue, Sterling Heights, MI 48313
WebsiteLicense: 8292053

Expertise.com Rating

Review Sources

Google
4.0 (19)

Why choose this provider?

Founded in 2004, Great Northern Insurance Agency is an independent brokerage that serves residents and businesses in Warren. The full-service agency offers various risk management solutions, including annuities, life insurance, and group and individual health insurance. It also provides business policies, including business owner's policy and liquor liability, and coverage for homeowners, automobiles, and farms. Its insurance professionals can review and analyze clients' existing policies to help enlighten if there are gaps in their coverage or properly covered.

  • Life Insurance
  • Health Insurance
  • Individual Plans

11455 East Thirteen Mile Road, Warren, MI 48093
WebsiteLicense: 544469

Expertise.com Rating

Review Sources

Google
5.0 (2)
Facebook
5.0 (1)
Yelp
1.0 (1)

Why choose this provider?

Based in Warren, Jane Wentz Rutman is an insurance agent who provides personal and business insurance products, including life insurance policies. Her personal insurance products include auto, health, homeowners', and renters' insurance plans. Rutman also assists individuals in safeguarding their financial future with investment options, such as annuities and mutual funds. Jane Wentz Rutman has been working with State Farm as one of its agents for more than 36 years. She also volunteers for the American Cancer Society.

  • Life Insurance
  • Health Insurance

2 Crocker Boulevard, Mount Clemens, MI 48043
WebsiteLicense: 960593

Expertise.com Rating

Review Sources

Google
4.0 (30)
Facebook
5.0 (3)

Why choose this provider?

Olmstead Insurance Group is a full-service insurance firm based in Mount Clemens that has been serving the Warren metro since 1977. Automobile insurance, homeowners' insurance, life insurance, recreational vehicle insurance, renters' insurance, and business insurance are some of the insurance protections the firm offers. Olmstead Insurance Group also offers insurance coverage and assistance for small businesses, workers' compensation, commercial auto, crime, business owners policy, and business income. The firm is headed by insurance agent Rick Olmstead.

  • Life Insurance

13900 Lakeside Circle, Sterling Heights, MI 48313
WebsiteLicense: 10309258

Expertise.com Rating

Review Sources

Google
4.0 (62)
Facebook
4.6 (52)

Why choose this provider?

Sterling Insurance Group is an independent agency in Sterling Heights that serves the residents of the Warren metro through insurance services and policies. It was founded by its principal and president, Joe Haney, in 1996, and the company has since grown to have five offices and more than 110 employees across Michigan. Some of its life insurance products include term life insurance and whole life insurance policies that cover clients and their families from common life risks and death.

  • Life Insurance
  • Individual Plans

37102 South Groesbeck Highway, Clinton Township, MI 48036
WebsiteLicense: 18579988

Expertise.com Rating

Review Sources

Google
5.0 (17)
Yelp
5.0 (1)

Why choose this provider?

McGovern Agency provides insurance options to protect individuals and their families in Warren. It offers whole, universal, variable, and term life insurance. In addition, other product lines for health, vehicles, business, property, and cancer coverage are available. McGovern Agency has years of experience in handling diverse insurance requirements. It understands every client's needs and proactively reviews coverage options for upcoming account renewals. The agency is licensed in Florida and Michigan and has partnerships with several carriers, including Safeco, Main Street, and Nationwide.

  • Life Insurance
  • Health Insurance

FAQs

  • How much life insurance should you get in Warren?

    The amount of life insurance one should get in Warren depends on each person's budget and needs. In general, you should be able to provide at least six to 10 times the value of your salary if you plan to get a life insurance policy. This is only a general number. If you have more dependents, an expensive mortgage, or other expenses, you should consider getting a higher amount of life insurance.

  • Can you use your life insurance in Warren as collateral for a loan?

    Yes, lenders may require the assignment of life insurance in Warren. When you apply for a loan, you can name the lender as a beneficiary of your life insurance policy. In the event you die during the term of the loan, the lender can collect payments from the death benefit. When it comes to permanent life insurance that has a cash value, this can be used with a collateral assignment. The lender will be paid either through equity or the death benefit of the insurance plan.

  • Can you insure children in Warren?

    Yes, you can insure children in Warren. Juvenile life insurance policies are available for children ages zero to 16 years old. The main benefit of this type of insurance is that it prepares a minor for financial stability. It offers permanent coverage for life and cash value that can be accessed via policy loans. Note that the policy will be owned by the purchasing adult, and ownership will only be transferred to the minor when he/she reaches the age of majority.

  • Will you be able to find a life insurance plan in Warren even if you are overweight?

    One of the factors insurance providers consider when insuring someone in Warren is their health, and this includes the individual's weight. But don't fret; even if you are overweight, you may still be able to find life insurance coverage. The downside is that rates may be higher. However, it's still worth pursuing, rather than waiting to lose weight before buying a policy. You can just inquire about adjusting your rates in the event you lose weight.

  • Will you still be insured in Warren even if you are a smoker?

    Finding a life insurance policy in Warren for a smoker can be challenging, as a lot of providers often discriminate against smokers. But the good news is that you can still get life insurance. The bad news is that you may need to pay significantly more for coverage. Be sure to declare that you are a smoker when talking to insurance companies, as they will still be able to find evidence of your smoking even if you deny it.

  • 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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