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.