The top-rated life insurance agent in Lapeer, Michigan is Whitney Insurance Agency, rated 4.6 stars across 47 reviews. Other highly rated options include Osentoski Ins Agency LLC, Nustar Insurance, Pat Cronin - State Farm Insurance Agent. This directory lists 19 life insurance agents serving Lapeer.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Whitney Insurance Agency | 1135 S Lapeer Rd | (810) 969-4511 |
| 2 | Osentoski Ins Agency LLC | 340 W Nepessing St | (810) 664-6980 |
| 3 | Nustar Insurance | 524 Imlay City Rd | (810) 667-4557 |
| 4 | Pat Cronin - State Farm Insurance Agent | 148 W Park St | (810) 664-1711 |
| 5 | The Lapeer Agency | 145 E Nepessing St | (810) 664-2966 |
| 6 | Beasley Insurance Agency | 891 Baldwin Rd | (810) 660-7725 |
| 7 | Clare Longoria - State Farm Insurance Agent | 814 S Main St Ste 5 | (810) 664-5822 |
| 8 | VTC Insurance Group – Lapeer | 168 N Saginaw St A | (810) 664-1421 |
| 9 | Thumb Insurance Agency Inc. formerly Sam Heron Insurance Agency | 301 W Genesee St #100 | (810) 664-0836 |
| 10 | Keith Byard - State Farm Insurance Agent | 947 Baldwin Rd | (810) 664-8925 |
Whitney Insurance Agency provides a range of life insurance services for individuals and families in the Lapeer, Michigan area. It offers term and permanent policy options designed to help clients secure financial protection for their loved ones. The agency also assists with policy reviews and adjustments to ensure coverage keeps pace with changing life circumstances. Typical service engagement involves assessing personal needs, explaining product features, and facilitating the application process. The agency serves homeowners, individuals renting apartments, retail business owners, and operators of local restaurants.
Osentoski Ins Agency LLC serves the Lapeer, Michigan, area as a life insurance agent. The company helps local residents and families understand their options for financial protection. Clients typically seek guidance on selecting appropriate coverage amounts and policy types for their individual situations. The agent works directly with individuals to review their needs and explain the terms of available plans. Services handled in this area include term life insurance for specific coverage periods and whole life insurance for permanent protection.
Nustar Insurance in Lapeer, MI, provides life insurance agent services that primarily offer long-term, recurring coverage solutions such as whole or term life policies, distinct from single-event services. The company helps clients assess their financial future needs to select appropriate death benefit amounts. Assistance is available for policy changes or new enrollments. General consultations on coverage gaps are offered without commitment. Service runs on a scheduled or as-needed basis, with no regular retainer required for policy maintenance.
Pat Cronin - State Farm Insurance Agent serves Lapeer, MI, and the surrounding communities. The agency handles life insurance policies designed to provide financial protection for families. A typical job involves helping clients understand coverage options that align with their personal circumstances and long-term goals. The general approach begins with a careful review of the client’s specific needs, followed by a straightforward explanation of available plans and their corresponding benefits.
Serving homeowners, families, and small business owners in Lapeer and the surrounding area, The Lapeer Agency provides life insurance coverage to help protect financial futures and provide security for loved ones. Its team assists clients with policy selection tailored to their specific needs and budgets, offering guidance throughout the application process and during policy renewals. This local agency also provides support for claims and policy adjustments to ensure ongoing coverage aligns with changing life circumstances. The agency further extends these services to residents of neighboring communities, including Imlay City.
Beasley Insurance Agency provides life insurance services to residents in and around Lapeer, Michigan, along with commercial coverage options for local businesses. The agency serves clients throughout Lapeer County and the surrounding region. As a life insurance agent, the company works with individuals and families to arrange coverage that meets their specific needs. The agency remains available for follow-up consultations and policy adjustments between regular annual visits, ensuring clients can update their plans as circumstances change.
As the seasons change in Lapeer, MI, families often review their financial protections, especially after major life events like a new home or the birth of a child. Clare Longoria - State Farm Insurance Agent helps local residents navigate the process of securing life insurance coverage. The agency focuses on explaining policy options and tailoring plans to individual needs and budgets. An initial consultation is the first step, where clients discuss their current coverage and long-term goals for a personalized needs assessment.
VTC Insurance Group – Lapeer specializes in life insurance coverage, tailoring policies to fit individual financial goals and long-term security. It also serves clients with general protection needs, focusing on clear explanations of available options across this sector in Lapeer, MI. The team guides customers through enrollment processes, ensuring benefit terms are fully understood. As winter travel increases, the agency helps local families secure policies that provide financial safety for those extended seasonal trips away from home.
Thumb Insurance Agency Inc., formerly Sam Heron Insurance Agency, provides life coverage to individuals and families in Lapeer, Michigan. The company offers term and whole life insurance policies designed to protect against financial loss. Clients can receive personalized guidance on selecting appropriate benefit amounts and policy durations. Thumb Insurance Agency Inc. serves commercial sectors including offices, warehouses, and food service establishments.
Keith Byard, operating as a State Farm Insurance Agent in Lapeer, MI, is known for providing life insurance policies that help residents protect their families financially. The agency covers a standard range of term, whole, and universal life products, offering options for various needs and budgets. It serves the local community by explaining policy details so clients can make informed decisions. A specialty service the office can add on is matching policies with existing retirement planning strategies.
What Does a a Life Insurance Agent in Lapeer Cost?
Life insurance costs in Michigan vary by age health and policy type. A healthy 35 year old might pay 25 to 50 dollars per month for a 20 year 250000 dollar term policy. Whole life policies can cost 100 to 300 dollars per month for similar coverage. Costs also depend on tobacco use and medical history. This is general information not insurance advice.
About life insurance agents in Lapeer
Life insurance agents in Lapeer Michigan help residents find coverage to protect their families and assets. Michigan law requires agents to hold a valid state license and follow specific disclosure rules. Local agents understand the needs of Lapeer County residents including farm family and small business coverage options.
Frequently Asked Questions
What license does a life insurance agent need in Michigan?
Agents must hold a Michigan resident insurance producer license for life insurance. They must complete pre licensing education and pass a state exam. Continuing education is required every two years to keep the license active.
How long do I have to file a life insurance claim in Michigan?
Michigan does not have a specific statute of limitations for life insurance claims but most policies require prompt notice. Beneficiaries should submit a claim as soon as possible after the insured dies. Delays can complicate the process.
Are life insurance proceeds taxable in Michigan?
Life insurance death benefits are generally not subject to Michigan income tax. The proceeds are paid to the beneficiary free of state tax. Interest earned on the proceeds may be taxable.
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