Our trained staff is committed to finding the right company to protect your family’s future. Insurance companies have different guidelines for different medical conditions and risks so we will act as your advocate to find what is best for you.

Benefits of Life Insurance:

  • Replace lost income for your loved ones
  • Pay off your mortgage
  • Pay college costs for children and grandchildren
  • Provide for burial expenses

Industry Leading Technology

We are constantly reviewing new technology platforms to keep the application process as fast and streamlined as possible. Many of the insurance companies that we represent allow electronic signatures of documents and email policy delivery. All that is required is a brief 15-20 minute telephone interview. In some cases, policies may be approved without a paramedical exam.

A Family Run Business

Michigan Term, LLC, was founded in 2004 to provide insurance consumers quick, easy access to fill their insurance needs. Our focus is on providing a variety of policy choices for your family’s future. We can help you put together the best plan of insurance for you, your family, and/or your business.

5 Reasons to Buy Local

Community Well Being

Locally owned businesses build strong communities by sustaining vibrant town centers, linking neighbors in a web of economic and social relationships, and contributing to local causes.

Local Decision Making

Local ownership ensures that important decisions are made locally by people who live in the community and who will feel the impacts of those decisions.

Keeping Dollars in the Local Economy

Locally owned businesses reinvest in the businesses around them. Local businesses and employees pay rent at home, shop at home, and take their loved ones to the doctor at home. A successful local business boosts other local businesses and create more jobs and better wages for the local economy.


Entrepreneurship fuels America’s economic innovation and prosperity, and serves as a key means for families to move out of low-wage jobs and into the middle class.


Local businesses work harder to know their customers and be responsive to their needs. To a local business, customers are neighbors, not numbers, and can expect to be treated as individuals.

Praise For MichiganTerm

“What a wonderful, easy company to work with. I had already been denied and was very upset about that. Michigan Term took all of my current documentation from the company that denied me and then they were able to find a carrier for me with little additional work on my part. Altogether a nice company to work with!”

— Stephanie M.  St. Clair,  Michigan 


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