Mortgage Protection
Term life insurance that can pay off your home if you pass away, so your family can stay in the house. Many plans include living benefits for serious illness.
Learn about mortgage protection →Independent Licensed Insurance Agency · 15 States
Life Insurance, Medicare Advantage and Hospital Indemnity
- Licensed in 15 states, including Michigan, Ohio, Florida, Texas, and more
Protecting what matters most
Final expense, life, and Medicare plans from the carriers families trust.
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*Day-one coverage depends on health answers and carrier rules. Some applicants may qualify only for a graded or guaranteed-issue plan with a waiting period.
Peace of Mind
Programs with highly rated, state-regulated carriers, all in one place.
We Listen
Clients told us what they like and dislike most about insurance. We listen and deliver.
Tailored Coverage
Experts in life and health insurance. We know what is available and what fits.
How we can help
Insurance for families at every stage of life
Final Expense
Permanent whole life coverage from $5,000 to $50,000 to pay funeral, burial, or cremation costs so your family is not left with the bill. Coverage lasts to age 121, builds cash value over time, and many plans need no medical exam; approval depends on your answers to health questions.
Quote final expense →Life Insurance
Term and whole life to protect your income, mortgage, and the people who depend on you. Coverage from $25,000 to $10 million.
Ask about term life →Medicare
Medicare Supplements, Medicare Advantage, and Part D drug plans. We help you compare costs, doctors, and prescriptions before you enroll.
Ask about Medicare Supplement →Hospital Indemnity
Mutual of Omaha's Hospital Protection Plan pays cash directly to you for covered hospital stays, helping with deductibles, copays, and everyday bills.
See our hospital plan →Instant final expense quoter
Get an Instant Final Expense Quote
Answer a few quick questions to see estimated monthly rates. Quotes are estimates only; final rates depend on your health answers and carrier approval. A licensed agent will review your options with you.
Looking for term life, mortgage protection or IUL? Contact us and a licensed agent will prepare a quote for you.
Mortgage protection
Keep your family in the home you worked for.
Mortgage protection is term life insurance matched to your mortgage. If you pass away during the term, the policy pays a tax-free death benefit to your family, who can use it to pay off the mortgage, keep up payments, or cover other bills. The money goes to your family, not the bank, so they decide how to use it.
- Coverage matched to your loan: choose a 10, 15, 20, 25, or 30-year term to fit your mortgage
- Level premiums: your rate stays the same for the whole term
- Living benefits: many plans let you access part of the benefit for a terminal, chronic, or critical illness
- Return of premium options: some plans refund premiums if you outlive the term
- Simple approval: many plans need no medical exam; approval depends on your answers to health questions
Mortgage protection is life insurance. It is not issued by or connected with your lender or any government agency. Benefits, riders, and availability vary by carrier, state, and underwriting.
Just bought a home?
Mortgage protection is worth a look if you:
- Have a spouse, children, or family who depend on your income
- Would leave your family unable to make the payments
- Want coverage that goes to your family, not the lender
- Want protection if you become seriously ill
- Recently bought, refinanced, or took out a home equity loan
Indexed Universal Life (IUL)
Lifetime protection with cash value that can grow.
An IUL is permanent life insurance that protects your family for life and builds cash value linked to a stock market index, such as the S&P 500, without investing directly in the market.
- Growth potential: cash value earns interest based on index performance, up to a cap
- Protection from losses: a 0% floor means market drops do not reduce credited interest below zero
- Tax advantages: cash value grows tax-deferred, and you may access it through policy loans and withdrawals
- Living benefits: many plans let you use part of the death benefit for chronic, critical, or terminal illness
- Flexible premiums: adjust what you pay as your life changes
IULs are not investments in the stock market. Caps, participation rates, fees, and charges apply. Policy loans and withdrawals reduce the cash value and death benefit and may cause the policy to lapse. Guarantees depend on the claims-paying ability of the issuing carrier. Ask for a carrier illustration for your exact numbers.
Is an IUL right for you?
An IUL can be a good fit if you:
- Want coverage that lasts your entire life
- Want tax-advantaged cash value you can access for retirement or emergencies
- Want to leave a tax-free benefit to your family
- Have already maxed out or want to supplement a 401(k) or IRA
- Are a business owner planning for key-person or buy-sell coverage
Hospital indemnity
Mutual of Omaha Hospital Protection Plan
A hospital stay can bring deductibles, copays, and everyday bills that keep coming while you recover. Mutual of Omaha's Hospital Protection Plan pays cash benefits directly to you when you are hospitalized for a covered illness or injury. You decide how to use the money, and benefits are paid in addition to Medicare or any other coverage you have.
- Daily hospital benefit from $100 to $1,000 per day, or a lump-sum hospital benefit from $100 to $3,000
- Choose your coverage days: 3 to 10, 15, 20, or 31 days for each period of confinement
- Observation stays are covered, up to five days per calendar year
- Built-in benefits for mental health stays and pet boarding while you are in the hospital
- Guaranteed renewable as long as premiums are paid on time
- Issue ages 18 to 85, with a guaranteed issue period for ages 64 to 74 with no health questions
- Rates do not change for tobacco use, and a household discount may be available
Hospital indemnity insurance is not health insurance and does not replace Medicare or major medical coverage. Policies are underwritten by Mutual of Omaha Insurance Company, Omaha, NE. A six-month pre-existing condition limitation applies. Exclusions, limitations, and underwriting apply; the guaranteed issue period is subject to eligibility. Benefits, riders, and availability vary by state. Optional riders are an added cost. Michigan Benefit Services is an independent agency and is not Mutual of Omaha.
Optional riders
Add extra protection at the time you apply, for an added cost:
- Ambulance, emergency room, and urgent care
- Skilled nursing facility care
- Outpatient surgery
- Lump-sum cancer benefit
- Outpatient therapy and chiropractic
- Major diagnostic tests like MRI and CT scans
- Home health care
- Prescription drug reimbursement
- Guaranteed purchase option to increase your daily benefit
Medicare explained
Turning 65? Here is the simple version.
Medicare has four parts, and the choices can feel overwhelming. We sit down with you, review your doctors and prescriptions, and explain your options clearly before you choose.
Book a Free Medicare ReviewWe do not offer every plan available in your area. Currently we represent 7 organizations (Aetna, Devoted Health, Humana, Molina Healthcare, UnitedHealthcare, Wellcare, and Zing Health) which offer Medicare plans in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048), or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
- Part A
- Hospital insurance: inpatient stays, skilled nursing, and hospice.
- Part B
- Medical insurance: doctor visits, outpatient care, and preventive services.
- Part C
- Medicare Advantage: private plans that combine A and B, often with drug, dental, and vision benefits.
- Part D
- Prescription drug coverage offered by private insurance companies.
Plain-English guide
Term vs. whole life insurance
Term Life
- Covers you for a set period: 10, 20, or 30 years
- Lower cost than permanent coverage
- Ideal to protect a mortgage, income, or young family
- No cash value
Whole Life & Final Expense
- Covers you for your entire life
- Premiums never go up
- Coverage lasts to age 121
- Builds cash value over time
- Ideal for funeral costs and leaving a legacy
State-regulated, highly rated companies
Carriers we represent
Careers
Join our team of insurance professionals.
Michigan Benefit Services is growing, and we are inviting ethical, client-focused individuals who are seeking a rewarding career helping families protect what matters most. We welcome licensed life and health insurance professionals, as well as motivated people ready to become licensed, to build a career with us.
- Top Level Commissions
- Salary plus commission or commission-only positions available
- Fresh, free leads so you can spend your time helping clients, not buying leads
- Street-level commissions on Medicare Advantage
- Contracts with highly rated carriers, training, and support from the principal
Contact us today
Call, text, or stop by the office.
Office: 734.827.9990
Email: [email protected]
4884 South Wayne Road
Wayne, Michigan 48184