Expertise.com
2024

Last updated:

Best Life Insurance Companies in Westland

Our Recommended Top 12

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 Westland 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.

3630

Reviewed

2182

Curated

12

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
354 Main Street, Belleville, MI 48111
  • Life Insurance

Why choose this provider?

Clement Insurance is a Belleville-based company that extends its services to the Westland metro. It is an independent insurance agency that offers life insurance, including term and whole life coverages. These life insurance coverages pay the clients' federal death, estate taxes, and final expenses. Additionally, the company helps clients acquire homeowners, automobile, motorcycle, umbrella, and renter's insurance. Its insurance agents also handle commercial and business owner's insurance. Clement Insurance has been in the business since 1990.

License Verified:

License: 18748810

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)

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
8518 North Canton Center Road, Canton, MI 48187
  • Life Insurance
  • Health Insurance

Why choose this provider?

Conrad Insurance Agency is a full-service independent insurance agency specializing in personal and commercial insurance services. It caters to Michiganders in Westland and Canton and offers life insurance plans custom-tailored to the clients' personal budgets. Additionally, its team is equipped to build complex life insurance policies to cover particular needs. Conrad Insurance Agency has been operating since 1924 and strives to provide "quality insurance coverage" paired with high-level customer service to build long-lasting business relationships.

License Verified:

License: 960015

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.
3.0
Google
3.0 / 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
31549 Michigan Avenue, Wayne, MI 48184
  • Life Insurance
  • Health Insurance

Why choose this provider?

Wayne Inkster Insurance extends its services to Westland and other communities in the Detroit metropolitan area. It offers traditional whole life, universal life, and variable universal life insurance. An independent brokerage, the agency helps its clients choose the products that work for them from a wide selection of insurance carriers. Some of its partners are Foremost, National General, Pacific Life, Progressive, and United American Insurance Company. It also deals with individual annuities, individual health insurance, and other personal lines of insurance.

License Verified:

License: 8291150

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 (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
33018 Warren Road, Westland, MI 48185
  • Life Insurance
  • Health Insurance

Why choose this provider?

Wayne Harris is a Westland-based professional insurance agent with extensive experience in the industry. Harris can meet with its clients in the office or at the comfort of their homes to discuss the life insurance policy and coverage that fits their needs and budget. He is also equipped to offer key employee coverage for small business owners. Harris has 15 years of experience with State Farm products. He and his team aim to guide people in managing their everyday life risks.

License Verified:

License: 7940409

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 (51)
Facebook
4.0 / 5 (12)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
38 5th Street, Belleville, MI 48111
  • Life Insurance

Why choose this provider?

Deltor Insurance Agency offers a broad range of life insurance products for individuals residing in Westland and its neighboring communities. Apart from that, this firm also helps its clients safeguard their property and belongings through home, renter's, and condo insurance products. It also assists clients with auto, motorcycle, and recreational vehicle insurance plans. The agency also has business insurance products. Deltor Insurance Agency is a family-owned business that has been helping people get insurance coverage since 1936.

License Verified:

License: 959228

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.
3.6
Google
3.8 / 5 (48)
Facebook
3.0 / 5 (11)
Yelp
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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
199 North Main Street, Plymouth, MI 48170
  • Life Insurance

Why choose this provider?

Laginess Insurance Agency, Inc., is an independent insurance company that has been serving the greater Westland area since 1990. It was established by Terence Laginess, a former soldier who later worked as an independent agent. He and his team offer customizable life insurance policies, as well as business insurance, group insurance, and retirement planning to individuals, families, and businesses. Its agents attend to inquiries personally and provide insurance options through the carrier companies they represent.

License Verified:

License: 961772

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
3.0 / 5 (6)
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
38099 Schoolcraft Service Road, Livonia, MI 48150
  • Life Insurance
  • Term Life Insurance

Why choose this provider?

Kimler Agency is an independent agency that caters to the insurance needs of families, individuals, and businesses in Westland and the neighboring communities. The company partners with over 15 carriers to provide its clients customized insurance plans. It helps its clients acquire universal life or term life insurance policies that meet their coverage needs and long-term goals. The agents at the company also offer mortgage disability insurance that covers house payments in case of income loss due to injuries or accidents.

License Verified:

License: 0518457

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
28230 Ford Road, Garden City, MI 48135
  • Life Insurance

Why choose this provider?

McFarlane-King Insurance is an independent agency that has been serving individuals and businesses in Westland since 1958. Its life insurance options include term, universal, and whole life programs and it strives to choose the most suitable choices for its clients' particular needs or concerns. In addition, the agency crafts insurance plans for homeowners, automobiles, boats, motorcycles, and RVs. McFarlane-King Insurance also offers its coverages to commercial clients who need policies that include general liability, workers' compensation, and landlord protection.

License Verified:

License: 962620

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
5918 North Lilley Road, Canton, MI 48187
  • Life Insurance

Why choose this provider?

Jeffery Balazs is an insurance agent serving the communities of the Westland metro and the whole state of Michigan. His insurance programs include auto insurance, life insurance, home insurance, business insurance, and health insurance. His goal for his clients is to bring peace of mind and help them through their life's hard times. With their life insurance and retirement plans, Jeffery Balazs and his company have helped numerous Michigan farmers, families, and businesses achieve financial security.

License Verified:

License: 9887210

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 (11)

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
7282 Sheldon Road, Canton, MI 48187
  • Life Insurance

Why choose this provider?

Dave Stanbury Insurance Agency has been independently serving its clients throughout the Westland area and the state of Michigan for many years. It offers a wide range of personal and commercial insurance products, accommodating clients no matter how big or small the scope of their concerns may be. Its life insurance policies are selected from a roster of insurance carriers by staff ready to guide clients in determining the best choice for them. The agency also provides business, home, auto, and restaurant insurance products.

License Verified:

License: 975047

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)
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
505 North Wayne Road, Westland, MI 48185
  • Life Insurance
  • Health Insurance

Why choose this provider?

Anita A Murray is a Westland-based life insurance agent who has been a State Farm Insurance Agency member since 2003. Anita is also a member of the Westland Chamber of Commerce, which gives her insight into the industry and the needs of her clientele in the metro. As a State Farm agent, she caters to her clients' insurance needs for life, small business, automobile, home and property insurance, and health. Another insurance policy she offers is pet insurance.

License Verified:

License: 7335659

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 (59)
Facebook
5.0 / 5 (11)
Yelp
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
201 North Wayne Road, Westland, MI 48185
  • Life Insurance

Why choose this provider?

Choice Insurance is an independent insurance agency that serves clients from Westland. It provides both term life insurance and whole life insurance, as well as umbrella insurance. The company is a member of the Michigan Association of Insurance Agents, Professional Insurance Agents, Westland Chamber of Commerce, and Canton Chamber of Commerce. President Greg Bajorek has been working in the insurance industry for more than 50 years. He sits on the board of directors of the Westland Community Foundation.

License Verified:

License: 3981227

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 (25)
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

Frequently Asked Questions

  • What is the duration of the contestability term for life insurance policies in Westland?

    A Westland life insurance policy may be contested within the first two years of its inception. If the insured dies during the contestability period, the insurance company will conduct an investigation prior to making a payment. This process includes reviewing the copy of the death certificate and other pertinent documents.

  • How are Westland policyholders protected by state insurance laws?

    The state's insurance laws protect insurance policyholders in Westland and throughout Michigan. It necessitates a free-look period, during which policyholders have 7 to 30 days to review the policy. If the insurance company decides to cancel the policy within this time frame, you should be given a full refund. You are also given a 30-day grace period to update your payment. Furthermore, even if the insurance company goes out of business, you will still receive your benefits.

  • What types of deaths are not covered by life insurance in Westland?

    In some cases, insurers in Westland will deny claims if the insured commits suicide within the first two years of the policy's coverage. Furthermore, if the deceased policyholder had a hazardous occupation, a dangerous hobby, or if his beneficiary murdered him or was otherwise closely related to the incident at the time of death. Falsifying a life insurance application may also result in a claim denial.

  • What are regarded as risky activities under the terms of your Westland life insurance policy?

    Risky activities in Westland include recreational hobbies that pose a higher risk of serious injury or death. Scuba diving, hang gliding, aviation, auto racing, rock and mountain climbing, and BASE jumping are all examples of extreme sports. If you engage in these activities, you can still buy life insurance, but your premiums will be high.

  • Is there a time limit for submitting a claim on a Westland life insurance policy?

    There is no time limit in Westland for filing a claim on a life insurance policy. As a result, file a claim as soon as the insured's death occurs. You must provide the insurance company with the necessary information and documentation, such as a copy of the death certificate, policy number, and Social Security number. After the insurance company accepts the documents, expect to receive the life insurance proceeds within 30 days.

  • 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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