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Life Insurance Providers Clarkston MI

Life insurance is a type of insurance in which an insurer agrees to pay out a sum of money when the insured dies. This money goes to your beneficiaries who are predetermined by you. Beneficiaries tend to be the individuals who depended on the income you do/will generate. The younger you are when you get life insurance the cheaper the insurance premiums are and sometimes you can even lock in rates. Please scroll down for more information and access to the life insurance agents in Clarkston, MI listed below that can explain more.

Mr. William H. Langdon (RFC®), CFP
(248) 922-7546
7111 Dixie Highway
Clarkston, MI
Company
Langdon Capital Management, Inc.
Qualifications
Education: BS Sociology and Business
Years of Experience: 21
Membership
IARFC, MDRT
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, Pension Planning, Executive Compensation Planning, personal Coach, Retirement Planning, Seminars Work, Employee Benefits, Family Offices, Stocks and Bonds, Mutual Funds, CommOptions, CD Banking, Annuities, Life Insurance, Group Insurance, Business Coach, Education Plan, BuySell, Compensation Plans

Data Provided By:
Chris Demetral
2530 South Rochester Rd.
Rochester Hills, MI
Company
Title: Financial Advisor
Company: Raymond James Financial Services
Service
Wealth Management,Annuities,Alternative Asset Class Planning,Annuity Ideas & Strategy Planning,Retirement Income Accumulation Planning,IRA, 401k, Roth IRA, QDRO Rollovers,Life Insurance,Investment & Portfolio Management,Commission-Only Financial Planning (Full Disclosure),Retirement Income Distribution Planning,401k Rollover From Employer,Alternative Investments,Retirement Planning,Investment Consulting & Allocation Design,Planning For Personal Finances & Budgeting

Data Provided By:
Mark Casebolt
28175 Haggerty Road
Novi, MI
Company
Title: Managing Principal
Company: CASEBOLT FINANCIAL LLC
Type
Investment Advisor Rep: Yes
Education
Institute of Business and Finance/Masters of Science in Financial Services
Service
401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Retirement Planning,Investment Consulting & Allocation Design,Retirement Income Accumulation Planning,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Annuities,Alternative Asset Class Planning,Retirement Income Distribution Planning,Fee Only Portfolio Management,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Life Insurance,Investment & Portfolio Management,Annuity Ideas &

Data Provided By:
Mr. Derrick P. Winke (RFC®), EA, MBA
(248) 816-1230
2701 Troy Center Drive, Suite 255
Troy, MI
Company
R & D Financial Services Inc.
Qualifications
Education: BBAMBA
Years of Experience: 24
Membership
IARFC, FPA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Retirement Planning, Tax Planning, Tax Returns, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Compensation Plans

Data Provided By:
Adam Walsh
28411 Northwestern Hwy
Southfield, MI
Company
Company: Michigan Financial Companies
Type
Investment Advisor Rep: Yes
Education
Bachelors of Business Administration in Personal Financial Planning from Western Michigan University in 2004
Years Experience
Years Experience: 7
Service
Portfolio Engineering,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Captive Insurance,High Yield Bank Accounts,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Disability Insurance,Retirement Pla

Data Provided By:
Anthony Agbay
1450 W. Long Lake Road
Troy, MI
Company
Title: Senior Vice President - Investments
Company: The Agbay Group, A Wealth Advisory Company
Type
Investment Advisor Rep: Yes
Education
Drexel University, BS Finance
Years Experience
Years Experience: 15
Service
Fee Only Portfolio Management,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Long-Term Health Car

Data Provided By:
Christopher Mollan
31700 Middlebelt Road
Farmington Hills, MI
Company
Title: LPL Financial Advisor
Company: LPL Financial
Type
Registered Investor: Yes
Education
Michigan State University Bachelors of Arts, Business
Years Experience
Years Experience: 7
Service
IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicare Planning,Retirement Planning,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Fee-Only Comprehensive Financial Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Annuities,Alternative Asset Class Planning,Commission-Only Financial Planning (Full Disclosure),Planning For Personal Finances & Budgeting,Retirement Income

Data Provided By:
Anthony Rogalski
888 W. Big Beaver Rd.
Troy, MI
Company
Title: Financial Advisor
Company: Waddell & Reed
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Education
Central Michigan University
Years Experience
Years Experience: 8
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,High Yield Bank Accounts,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Disability Insurance,Retirement Planning,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planni

Data Provided By:
Jeffrey Doud
2401 W. Big Beaver Rd
Troy, MI
Company
Title: Financial Advisor
Company: Wells Fargo Advisors, LLC
Service
Health Care Insurance,Retirement Planning,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Disability Insurance,Annuities,Alternative Asset Class Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Fee-Only Comprehensive Financial Planning,High Yield Bank Accounts,401k

Data Provided By:
Mr. James H. Fydroski (RFC®), CFP
(248) 358-6970
26677 W Twelve Mile Rd.
Southfield, MI
Company
Haas Financial Services, Inc.
Qualifications
Education: BA, MA
Years of Experience: 15
Membership
IARFC, FPA
Services
Invoice, Estate Planning, Portfolio Management, Retirement Planning, Medicaid Planning, Tax Planning, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Compensation Plans

Data Provided By:
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Understanding Life Insurance

By Joan Mitchell

When your employer breaks out the big box o’ benefits, you may be surprised to see that life insurance is on the table. If you’re like me, you probably thought that life insurance was only for wealthy fat cats and rednecks who want to fake their own death, collect on their policy, and escape to Mexico with their wife (who’s also their aunt). But while the vast majority of recent grads might think that they don’t need a life insurance policy, it’s not a completely cut-and-dry issue. Life insurance—like all insurance—can get pretty complicated, but we’ll try to cut straight to the chase: What is life insurance and what are the pros and cons for a twentysomething?

What Is Life Insurance

Simply put, life insurance is a type of insurance in which an insurer (e.g., State Farm) agrees to pay out a sum of money when the insured (e.g., you) dies. This money goes your beneficiaries who are predetermined by you. Beneficiaries tend to be the individuals who depended on the income you do/will generate. Long story short: if you are worried that if you die unexpectedly that any of your loved ones will be worse off financially, you should consider purchasing life insurance.

If your employer is serving you a policy on a silver platter (i.e., no extra monthly/yearly fees attached), then you should certainly jump on it. Even if they ask for you to slightly subsidize it (e.g., $10/month), still opt in. However, even if that small subsidy is too large for your current economic situation or your company isn't providing you with health insurance (and you're on your own), we ask that you still read on and consider acquiring a life insurance policy.

Deciding Whether or Not You Want Life Insurance

From a recent grad’s perspective, the pros and cons of purchasing life insurance are relatively straight-forward.

Reasons You Might Want Life Insurance

  • To take care of your spouse/kids/parents. If you have kids or you’re married and your spouse would be severely hurt financially by your passing, you need to look into life insurance, which will provide them with cash when you die. This should help soften the economic blow of your passing. Note: Even if you're single, your beneficiary could be your mom, granddad, sister, etc.
  • To Ensure Your “Insurability.” The people who underwrite insurance policies take into account a vast range of variables when calculating premium rates and determining your “insurability”—basically, how much of a risk the insurance company is taking on by insuring you. So if you have cancer or you’re a professional stuntman, you’re far less insurable than a healthy 23-year-old who works in advertising. Thus, most recent grads are highly insurable. This means two things: (1) you can pay relatively low premiums, and (2) getting life insurance now guarantees that the provider must continue to insure you as long as you keep up with your annual premium payments.
  • To Leave a Clean Slate. Morbid...

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