Final Expense Insurance in Michigan
Help comparing final expense, burial and whole life insurance for Michigan residents, by phone from QRS Life Group in Atlanta, Georgia.
Final expense coverage for Michigan residents
Michigan writes the buyer’s right to return a life policy directly into state law, which makes the free-look period easy to explain to Michigan families. Whether you are in Detroit, Grand Rapids, Lansing or the Upper Peninsula, a final expense policy works the same way: a small whole life policy with a premium that does not rise.
We help Michigan residents compare those policies by phone. You hear which plans your health answers point to and what each costs for your age before you choose.
Our office is in Atlanta, Georgia, and we work with Michigan families by phone and email. There is no local branch to visit, and there is no need for one: every step, from the first conversation to the application, is handled remotely.
How life insurance is regulated in Michigan
Life insurance sold in Michigan is overseen by the Michigan Department of Insurance and Financial Services, toll-free 877-999-6442. The department reviews the policies insurers may sell in the state, licenses the people who sell them and handles consumer complaints.
Michigan law requires every individual life policy to carry a notice that you may return it for a refund within not less than 10 days after you receive it (MCL 500.4015). Some insurers allow longer; your policy states the period.
Cities we serve in Michigan
We have written a page for each of these Michigan cities with the local offices families need when a death happens: Detroit, Grand Rapids. Residents of other Michigan towns are just as welcome to call.
What Michigan families usually ask us
- Does my policy move with me? Yes. A policy stays in force if you move to another state, as long as the premiums are paid, and the benefit can be used anywhere.
- What is a waiting period? Some policies pay a reduced benefit if death from illness happens in the first two or three years. Graded death benefits explained covers it in plain language.
- What will it cost? Premiums depend on your age, sex, health, tobacco use and the amount of coverage. We give you quotes for your own details instead of a headline number.
Michigan resources for planning ahead
- Michigan Aging, Community Living and Supports Bureau: programs and the local Area Agency on Aging for older residents and caregivers.
- Michigan Vital Records: how to order certified death certificates, which a beneficiary needs to make a claim.
- Michigan Department of Insurance and Financial Services, toll-free 877-999-6442: consumer help and complaints about an insurance company or agent.
- Michigan Board of Examiners in Mortuary Science: the state body that licenses funeral directors and handles complaints about funeral providers.
- Michigan 211, dial 2-1-1 or 1-844-875-9211: a starting point for local help with food, transport, caregiving and benefits.
- U.S. Department of Veterans Affairs, burials and memorials: cemetery, marker and allowance benefits for eligible veterans in Michigan.
Coverage options we compare
The policies we compare are explained on their own pages: final expense insurance, burial and funeral insurance, whole life insurance for seniors, no medical exam life insurance and guaranteed issue life insurance. How it works describes the three steps from a first call to a policy in hand.
Our final expense planning checklist lists the documents and decisions worth putting in order, and the questions and answers page covers the questions we hear most.
Talk with us
Call +1 (319) 254-9055 during business hours, or send the quote form and we will call you. There is no cost and no obligation. All the states and cities we serve are listed on the Service Areas page.