Life happens fast and there is nothing as valuable as peace of mind. 

Our goal is to protect you from the unexpected through quality insurance coverage that works for your needs, protecting the financial future of your family. 

Disability Insurance

Your ability to earn an income is one of your greatest assets.  Your income gives you the confidence and freedom to plan, allowing you to make your goals and dreams a reality.

But what would happen if you suddenly became sick or injured and were unable to work?
How would you maintain your lifestyle if your ability to work and earn an income was lost?

No one can predict the future or avoid the risk of a disability but we can help you prepare should a disability occur.  An individual disability income insurance policy can be a vital part of your financial plan. 

Michael and Patrick Flynn specialize in the medical and professional markets.  They have worked extensively with physician and training hospitals in southeastern Michigan for over 25 years.  It is our goal to provide our clients with appropriate insurance solutions by representing the major insurance carriers in the county.

Life Insurance

Individual life insurance can be one of the biggest investments you can make in your loved ones’ future security. 

There are choices and decision to be made but they do not need to difficult.  We can guide you through them. 

You will need to determine the type of life insurance you want to buy.  The most common types are term, whole life, and universal life insurance.

Term life insurance you pay regular premium for a set period and the policy only pays out if you die during this period. 
Whole life insurance has no set period.  You usually pay regular premiums until you die, at which point the policy pays your beneficiary the death benefit.  There are limited pay policies with whole life insurance. 
Universal life insurance works in a similar way to whole life, but there is flexibility in your premium payments. 

The premiums you pay depend on your age and medical history, along with the amount of coverage you need or premium you want to pay. 

Long Term Care Insurance

You have worked hard to make sure that you have the financial security you want for you and your family.  You may have a strategy for surprises that life may bring in the future .  But even the most well thought out plans may not be enough to prepare you for the unexpected costs associated with long-term care.

It is easy to learn more about your options for protecting the people and things that mean the most to you.  Our experience can help you explore your coverage options and answer any of your questions.

Contact Us To Learn More