Ready before the next buyout
Auto work has its cycles, and an early retirement offer can come with a short deadline. We look at what the group coverage was doing before it ends, and write coverage you own to replace it.
Serving Michigan
Life Insurance & IUL Strategy in Michigan
Michigan built the American car, and metro Detroit still runs the industry. That means a lot of families with strong benefits through the plant or the union, and a lot of coverage that was never theirs to keep.
- Licensed in Michigan · NPN 11126989. Look me up before we talk. I would rather you did.
- Book any hour · sessions Mon–Sat, 9am–8pm ET
- Independent, not captive to any one carrier
Michigan is served by video and phone, Monday to Saturday. Detroit, Grand Rapids, Lansing, Ann Arbor and statewide.
- The Big Three are still hereFord, General Motors and Stellantis all run their North American operations from metro Detroit. Thousands of supplier plants across the state ride the same ups and downs.
- Plant coverage belongs to the plantGroup life through the plant or a union contract is good while it lasts. A layoff, a buyout or a retirement can shrink it or end it, and that is when a family finds out.
- Grand Rapids is a different economyWest Michigan leans on health care, office furniture and family-owned companies. More owners, more self-employed people, and more households with no employer plan at all.
- Two peninsulas, one stateMichigan is the only state made of two peninsulas. From Detroit to the Upper Peninsula, everything we do works by video and phone.
Why Michigan Families Work With Us
What's different about Michigan
Coverage that stays when the plant changes
A policy you own does not depend on a contract, a shift or a plant staying open. It goes with you through every change of job.
Final expense for retirees
Many Michigan retirees had life insurance through work that ended or shrank when they left. Final expense is usually written on a few health questions, with no medical exam.
Coverage Available in Michigan
Two very different conversations
Most people arrive wanting one of these. They are not the same product and they are not for the same person, so we will tell you which one fits.
Indexed Universal Life (IUL)
For Michigan households building long-term, tax-advantaged wealth on top of protection. It works best with an outlook of at least five to seven years.
- Uncapped Index Account; 113% participation, current and set by the carrier, and a 0.75% floor on the indexed credit. Participation rates and caps are at the carrier’s discretion and can change.
- Blended across S&P 500, Fidelity SMID Multifactor Index, Nikkei 225
- Access designed to be income-tax-free when properly structured
- Death benefit in force from day one
Not right for everyone. If you have no emergency fund yet, build that first, and we will say so.
How the IUL worksFinal Expense Coverage
For Michigan families who want the funeral and the last bills handled so nobody has to fundraise during a week they should be grieving.
- Coverage from $1,000 to $100,000, ages 0 to 85
- Most applicants qualify with health questions and no medical exam
- Guaranteed issue where health is a barrier, and it is worth knowing what that means: the full amount is not payable in the first two years. Most people do not need it, because a few health questions get them day one coverage instead. How to tell which one you are looking at
- Premium locks at the rate you qualify for and does not increase
Straightforward, quick, and a completely different conversation from wealth building. Plenty of our MI clients only ever need this.
How final expense worksWhere We Work in Michigan
Detroit · Grand Rapids · Warren and statewide
- Detroit
- Grand Rapids
- Warren
- Sterling Heights
- Ann Arbor
- Lansing
- Dearborn
- Livonia
- Troy
Anywhere in Michigan works by video and phone, application and underwriting included. Michigan is served by video and phone, Monday to Saturday. Detroit, Grand Rapids, Lansing, Ann Arbor and statewide.
In Their Own Words
What clients say
Verified Google reviews, in the reviewer's own words. Same theme in every one: he explains, he doesn't push.
5.0from 7 Google reviewsChaka was very helpful and knowledgeable about the different products. He helped me understand and choose the best option that was suitable for my family.
It was great meeting you and how you explained everything to me, took your time to make sure I understood everything about the policy and I really appreciate it. Thank you
Reviews are shown as posted on our Google Business Profile. Where a quote is shortened for length it is marked with an ellipsis and no wording is changed. We abbreviate reviewer names out of respect for our clients' privacy, the full names are on Google if you want to check. Read all 7 on Google · Worked with us? Leave a review
Book whenever suits you. Including 11pm.
Thirty minutes, free, no obligation. We look at what you already have, clarify where it stands, align the strategy, and write the coverage that fits.
Also licensed in North Carolina, South Carolina, Arizona, Oregon, Minnesota, Maryland, Nebraska, Florida, Georgia, Kansas, New Jersey, Ohio, Texas and Virginia.
Straight answers
Michigan questions, answered
- Are you licensed to sell life insurance in Michigan?
- Yes. Chaka A. I. Ali is a licensed life and health insurance producer, National Producer Number 11126989, which you can verify yourself through the National Insurance Producer Registry at nipr.com before you ever speak to us.
- Do I have to meet in person to get covered in Michigan?
- No. The whole process, from the strategy session through the illustration, application and underwriting, can be done by video and phone. Michigan is served by video and phone, Monday to Saturday. Detroit, Grand Rapids, Lansing, Ann Arbor and statewide.
- Can I book a time outside business hours?
- Yes. The calendar is open 24 hours a day, seven days a week. Sessions themselves run Monday to Saturday, 9am to 8pm Eastern. A strategy session is 30 minutes. A review of a policy you already own is 60 minutes. Both are free, with no obligation.