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HomeLife Insurance AgentsMichigan › Charlotte

Find Life Insurance Agents Near You in Charlotte, MI

Browse life insurance agents serving Charlotte, Michigan. Updated 2026-07-14.

The top-rated life insurance agent in Charlotte, Michigan is Ridge Tefft - State Farm Insurance Agent, rated 4.9 stars across 908 reviews. Other highly rated options include Dalessandro Agency Inc, Russell and Schrader Insurance Agency, Matt Stoken - State Farm Insurance Agent. This directory lists 10 life insurance agents serving Charlotte.

Showing 10 life insurance agents in Charlotte, MIListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Ridge Tefft - State Farm Insurance Agent138 S Cochran Rd Ste A(517) 543-2850
2Dalessandro Agency Inc315 Lansing St(517) 543-3200
3Russell and Schrader Insurance Agency239 S Cochran Rd(517) 543-1740
4Matt Stoken - State Farm Insurance Agent343 Cochran Ave(517) 543-5600
5Charlotte Insurance Inc239 S Cochran Rd(517) 543-0560
6Farmers Insurance - Nathaniel VanStee121 Cochran Ave(517) 210-2081
7Nick Cypher Agency, Charlotte - Farm Bureau Insurance430 State St(517) 541-1400
8Farm Bureau Insurance aka FBI430 State St(517) 543-5565
9P & P Insurance Group LLC.111 W Lovett St(517) 999-5541
10Farmers Insurance - Nathaniel VanStee121 S Cochran Rd(517) 210-2081
RT
138 S Cochran Rd Ste A
Ridge Tefft - State Farm Insurance Agent
Life Insurance Agent · Charlotte, MI

Ridge Tefft - State Farm Insurance Agent serves the Charlotte, Michigan area and provides life insurance coverage to local residents and families. The agency assists clients in understanding their financial protection options and guides them through the selection of suitable plans. Life insurance agents in this region typically help policyholders assess coverage needs and apply for term or whole life policies. The company handles these life insurance applications and annual policy reviews for clients in the Charlotte vicinity.

DA
315 Lansing St
Dalessandro Agency Inc
Life Insurance Agent · Charlotte, MI

Dalessandro Agency Inc provides life insurance coverage designed to help individuals and families secure their financial future. Its service approach focuses on assessing client needs and customizing policies accordingly. The agency also offers guidance on policy maintenance, helping clients adjust coverage as their circumstances change over time. The properties and situations it typically services include single-family homes, apartments, retail businesses, restaurants, and other residential or commercial entities seeking personal protection.

RS
239 S Cochran Rd
Russell and Schrader Insurance Agency
Life Insurance Agent · Charlotte, MI

Homeowners, families, and small business owners in the Charlotte area can turn to Russell and Schrader Insurance Agency for life insurance coverage and related financial protection planning. The agency works to help clients secure policies that safeguard loved ones and property against unexpected loss. Serving the greater mid-Michigan region, it also extends its services to the community of Eaton Rapids and surrounding areas.

MS
343 Cochran Ave
Matt Stoken - State Farm Insurance Agent
Life Insurance Agent · Charlotte, MI

Serving Charlotte, Michigan, and the surrounding Eaton County communities, Matt Stoken operates as a State Farm Insurance agent, focusing on life insurance coverage. The agency handles individual term and whole life policies designed to provide financial protection for families in the region. For each client, Matt Stoken’s approach begins with a personalized consultation to assess specific needs, then progresses to recommending policy options that align with those goals. This process ensures that the coverage selected appropriately fits the client’s long-term financial situation and household objectives.

CI
239 S Cochran Rd
Charlotte Insurance Inc
Life Insurance Agent · Charlotte, MI

Charlotte Insurance Inc offers both one-time policy reviews and ongoing service options for life insurance needs in Charlotte, MI. Coverage is tailored to individual financial goals and family protection requirements. The agent assists clients in comparing term and whole life options available in the local market. Service runs on a scheduled basis for annual policy check-ins and is also available as needed for beneficiary updates or coverage adjustments.

FI
121 Cochran Ave
Farmers Insurance - Nathaniel VanStee
Life Insurance Agent · Charlotte, MI

Farmers Insurance - Nathaniel VanStee in Charlotte, MI, is known for tailoring life insurance policies to individual financial goals and family needs. The company’s service range includes term life, whole life, and universal life products designed to provide income replacement and debt protection for local residents. An agent assesses each client’s current obligations and long-term objectives. This policyholder support aims to secure beneficiaries’ futures against unexpected loss. Clients can also add a critical illness rider to their existing life coverage for enhanced financial protection.

NC
430 State St
Nick Cypher Agency, Charlotte - Farm Bureau Insurance
Life Insurance Agent · Charlotte, MI

As the leaves change and Michigan families prepare for winter, securing coverage becomes a common concern. The Nick Cypher Agency in Charlotte provides life insurance policies to help local residents protect their households. Serving clients throughout the Charlotte area, this agency works with individuals to find appropriate terms for their needs. A conversation with an agent usually covers current income and future obligations. The process customarily starts with a brief review of each applicant’s health history and financial goals during a no-obligation consultation.

FB
430 State St
Farm Bureau Insurance aka FBI
Life Insurance Agent · Charlotte, MI

Farm Bureau Insurance, also known as FBI, in Charlotte, MI, provides life insurance coverage, helping local residents protect their families’ financial futures. The agency specializes in tailoring policies that offer death benefits and policy cash value accumulation for long-term security. Their agents assist individuals in Charlotte with selecting appropriate term or permanent life insurance plans. In addition to serving personal households, the agency can serve commercial sectors in the area, including offices, warehouses, and food service operations requiring business life insurance solutions.

PP
111 W Lovett St
P & P Insurance Group LLC.
Life Insurance Agent · Charlotte, MI

Serving residential clients in Charlotte, Michigan, P & P Insurance Group LLC also provides life insurance coverage for commercial accounts in the surrounding area. As a life insurance agent, the company helps individuals and businesses secure financial protection for dependents and key personnel alike. Policies are tailored to fit varying needs and budgets. The firm follows up between regular visits to adjust coverage as clients’ circumstances change, ensuring continued support and reliable service year after year.

FI
121 S Cochran Rd
Farmers Insurance - Nathaniel VanStee
Life Insurance Agent · Charlotte, MI

Farmers Insurance - Nathaniel VanStee in Charlotte, MI, is known for tailoring life insurance policies to individual financial goals and family needs. The company’s service range includes term life, whole life, and universal life products designed to provide income replacement and debt protection for local residents. An agent assesses each client’s current obligations and long-term objectives. This policyholder support aims to secure beneficiaries’ futures against unexpected loss. Clients can also add a critical illness rider to their existing life coverage for enhanced financial protection.

What Does a a Life Insurance Agent in Charlotte Cost?

In Michigan, a healthy 35-year-old can expect to pay around $25 to $40 per month for a 20-year term policy with $250,000 in coverage. Whole life policies cost more, often $150 to $300 per month for similar coverage. Costs vary based on age, health, and policy type. This is general information, not insurance advice.

About life insurance agents in Charlotte

Life insurance agents in Charlotte, Michigan help residents choose policies that protect their families. Michigan law requires agents to hold a valid state license and follow the Michigan Insurance Code. Local agents understand the needs of Eaton County families and can explain how Michigan estate laws affect policy payouts.

Frequently Asked Questions

What license does a life insurance agent need in Michigan?

Agents must pass the Michigan insurance licensing exam and complete pre-licensing education. They must renew their license every two years with continuing education credits.

How long do I have to change my mind on a life insurance policy in Michigan?

Michigan gives you a free look period of at least 10 days after you receive the policy. You can cancel for a full refund during this time.

Do I need a medical exam for life insurance in Charlotte?

Some policies require a medical exam, but many insurers offer no-exam term policies up to certain coverage limits. An agent can help you find options that fit your health situation.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each life insurance agent's credentials and current standing with your state Department of Insurance.