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Phil Klein Insurance Group

7125 Orchard Lake Road, Suite 302
West Bloomfield, MI 48322

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Top Detroit Life Insurance Companies

Term & Permanent Life Insurance Options

Coverage For Your Changing Needs

Life is full of plans and priorities that change over time.  Life insurance can help provide protection throughout the stages of your life.  PKIG offers a variety of customizable life insurance products.
Term Life is a cost-effective product designed to protect against premature death.
Permanent products, such as Universal Life and Whole Life, offer dependable protection that stays with you throughout your lifetime.  If someone would experience financial strain as a result of your death, you need life insurance that is customized for your situation.

Term Life Insurance (click to instantly apply & buy online here) 

*Affordable policies with guaranteed level premiums for the term period (typically 10, 20, 30, 35, or 40 years)

*Coverage can be canceled without penalty at any time

*Provides income replacement and can be used to pay off debts like a mortgage

*Coverage up to $7 million can be obtained without a medical exam or phone interview (for those that qualify)

*Riders can be added such as "Return of Premium" which returns the total premium paid if still living at the end of the term

*Additional "living benefits" can be added such as critical illness coverage (pays in the event of certain medical events such as a heart attack, cancer, or stroke) or chronic illness coverage that is similar to long term care insurance

Permanent Life Insurance (Whole Life & Universal Life)

*Coverage that lasts for a lifetime (whole life insurance, universal life insurance, hybrid policies)

*Guaranteed coverage up to age 121

*Can accumulate cash value over time (at guaranteed or flexible interest rates)

*Leave a legacy for your family, provide funds to cover tax liabilities, or final expenses

*Premiums can be flexible depending on your preferences over time

*Policies can be tailored to provide "living benefits" such as long term care coverage to protect your assets

*PKIG offers guaranteed issue whole life insurance regardless of health up to age 80 - no exams or medical questions

A Combination of Life Insurance Products May Be The Right Solution For You - Schedule a Quick Call Below With a Specialist

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