Thursday, January 11, 2018

What Is The Average Cost For A Funeral In Michigan?

In the state of Michigan, funeral costs seems to be in line with other states across the country.  However, have you really looked at what all is included in the cost of a respectable funeral? came out with a article that really dives into all of the charges that are included in getting a funeral set up, and accomplished.

Let’s look at some of the charges,

  1. Fee for funeral director - $1500
  2. Cost for casket - $2500 (can be more)
  3. Embalming - $500
  4. Cost of funeral home expenses - $500
  5. Gravesite - $1000
  6. Cost to dig the gravesite - $600
  7. Grave liner for container - $1000
  8. Cost of headstone $1500

Begins to add up quick as I think you would agree? Also, these are average numbers I guess you could say.  My mother passed in 2001’, and her funeral costs were more than this.  I can tell you we did not go extreme by any means.

Michigan Final Expense Life Insurance
Michigan Final Expense Life Insurance

When you look at these “ballpark figures,” maybe you could lower them with a cremation.  Maybe.. But here is a fact that we all are facing in our communities.  The cost of funerals are going up, and  nothing is showing us at this time that those costs are stabilizing or in better terms leveling out.

So what can you do as a Michigan consumer?  Obviously you can protect yourself and let us admit it protect others from paying for your funeral with life insurance.  However what type?

Term insurance pays for a select period of time for which you pick.  If you pass within that time frame, then your benefactors receive a check.  

However for most of us, we’ll outlive our term life policies.  For burial life insurance protection (or final expense coverage within the industry itself) we recommend a small whole life insurance policy, or again a final expense plan.

These policies are lifetime coverage.  Benefits never decrease, and prices never increase.  This allows you to keep a small program in your pocket for when your last day comes.  Very affordable, and keeps other within your family from getting the bill.

At Michiganhealthbroker, INC. we broker with over 100 carriers.  This allows us to offer you based on your health past, the most affordable program on the market.  No one is denied, and coverage can begin next day after approved.

Reach out to the agency today for questions about a Michigan final expense policy.

Monday, January 18, 2016

30 year term life insurance quote in Michigan

As a life insurance agent in the state of Michigan, term life insurance is by far the most popular program that we offer.  With that, the thirty year term life insurance program gives the most coverage for the buck.  

When considering life insurance, the first issue you have to figure out is why or what do you need for it?  Is it just for burial needs, or truly assets that you have and debt that you don't want to pass on to your spouse or family members?

Once you figure out why you need life insurance, then it is time to reach out to us.  If you decide and determine that term life is the way to go, than it is time to determine how many years you want coverage.  We have plans from five years and up to thirty years.  The smaller term that you want coverage, the cheaper the premium itself.

Within our agency, we broker with over sixty life insurance companies.  What does this mean?  This means we can offer the most affordable price for what you need.  In addition, we have plans where no medical exam is required up to $400,000 in death benefit.

So where does the thirty year term make sense?  If you need long term coverage obviously.   Also it keeps you from doing another application for quite some time.  Nothing could be worse than taking on a ten year term plan, and then applying for more coverage after the ten years and your health has changed to where it can determine whether you can get approved for another program or not. 

If you are looking for 30 year term insurance rates in Michigan, then reach us to us today.  

Sunday, February 15, 2015

Five (5) Year Michigan Term Life Insurance Quotes

With Michigan, many consumers never look at the options of just a five year term life insurance quote.  If your in the market for term life insurance, many are pushed into a thirty year term life insurance plan.

So as we back up, lets remember what term life insurance is.  It is a life insurance program that covers you within a term that you pick.  Here in Michigan we offer 5yrs, 10 yrs, 15yrs, 20yrs, and 30yrs plans.  

We offer five year term life plans due to a couple of specific reasons.  One, it is the most affordable for clients within our state of Michigan.  Second and most important to us, some (not all) are looking for temporary coverage.  If you can get five years for a cheaper price than a thirty year plan, why not take it if you again only need temporary coverage?

At our agency, we work with over 100 different life insurance companies.  The perk to that?  We offer the most affordable term rates within the state.  Contact us to learn more.

Also a note, today is the final day for the Affordable Care Act Open Enrollment.  Make sure to pick up your Michigan health insurance plan today.

Tuesday, February 10, 2015

Affordable Care Act For Michigan Is Closing!

The Affordable Care Act for 2015 is slowly closing here.  Open enrollment for the state of Michigan closes on February 15, 15'.  Anyone looking for a "compliant" major medical plan should contact us as soon possible

Couple of things to make clear.  While open enrollment ends on 2/15/15, you can buy health insurance plans past that date.  However these plans after Feb. 15 are non compliant, so you will still pay the fine for the year of 2015. 

If you decide to go without coverage for this year, be aware of the fee's of going without coverage. This includes, 

The fee in 2015

If you don’t have coverage in 2015, you’ll pay the higher of these two amounts:
  • 2% of your yearly household income. (Only the amount of income above the tax filing threshold, about $10,000 for an individual, is used to calculate the penalty.) The maximum penalty is the national average premium for a bronze plan.
  • $325 per person for the year ($162.50 per child under 18). The maximum penalty per family using this method is $975.
Contact us to get your Michigan health insurance quote today or visit us at

Also read about how to get a Michigan life insurance policy if you have had a heart attack.

Wednesday, May 21, 2014

Can You Get A Michigan Life Insurance Policy After Having A Heart Attack?

The dreaded heart attack, an unfortunate issue that strikes many here within the state of Michigan.

However what is not known, is the fact that many consumers survive and live long and healthy lives.  So as these consumers get older, obviously life insurance is a must and a necessary program which is needed.

A myth or concern that many Michigan consumers have is that Michigan life insurance is out of reach after having a heart attack.  That is just not true.  Even if you suffered the attack a month ago, you could get coverage.  Now depending on the length of last occurrence, the ability to get a better plan is possible.  However again, no matter if your a month out of three years out, you can always get coverage.

Contact us today if you are a Michigan consumer who has survived a heart attack.  We’ll be able to help you.

Michigan Life Insurance After Having A Heart Attack

Wednesday, May 14, 2014

Obtaining health insurance protection outside of the Michigan Open Enrollment (Special Enrollment Option)

After the due date of 4/1, many Michigan buyers realized that the time to sign up for the Affordable Care act was over.

While you cannot submit an application for a “compliant plan” now, their are specific situations each year that offer you a way to apply for a plan that is compliant.

Straight from the web-site, it defines how one can purchase coverage under a special enrollment period. This includes,

  • Marriage, having a baby, adopting a child or even placing a child for adoption or foster care, moving your residence, gaining citizenship, leaving incarceration
  • Losing other health coverage—due to losing job-based coverage, divorce, the end of an individual policy plan year in 2014, COBRA expiration, aging off a parent’s plan, losing eligibility for Medicaid or CHIP, and similar circumstances. Important: Voluntarily ending coverage doesn't qualify you for a special enrollment period. Neither does losing coverage that doesn't qualify as minimum essential coverage.
  • For people already enrolled in Marketplace coverage: Having a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions.
  • Gaining status as member of an Indian tribe. Members of federally recognized Indian tribes can sign up for or change plans once per month throughout the year.

Obviously if any of the situations do occur, you need to make contact with us to learn more about your alternatives.

Michigan "Non Compliant" Health Insurance Plans Still Available After Open Enrollment

After the Affordable Health Care Act open enrollment was over here in Michigan, confusing is still making its way around.

While it is true that you cannot get a compliant plan (without a special election enrollment), their are options if you are in need of health insurance within the state of Michigan.

Consumers can apply for a six month short term plan.  At this point, that would take you in to the next open enrollment in November.

So what are the pro’s and con’s to a short term plan?  Con’s are numerous.  One, they are non compliant.  This means even if you decided to get coverage on yourself now, you will stay have to pay the fine for not buying a compliant plan during past open enrollment.

What is a pro?  Well if you truly need coverage and missed the open enrollment period, well you still get health insurance.

Contact us to learn more.

Michigan "Non Compliant" Health Insurance Plans Still Available After Open Enrollment