Michigan's advisors for money that outlasts you.

CentraLife is headquartered at 290 Town Center Dr, STE 675 in Dearborn — about 15 minutes from downtown Detroit — with licensed advisors serving Detroit, Livonia, Troy, Sterling Heights, Macomb, and every metro community in person or by phone. We’re a BBB Accredited Business with an A rating, appointed with A-rated carriers.

Yes. CentraLife (NPN 21105331) is licensed in Michigan, where insurance producers are regulated by the Michigan Department of Insurance and Financial Services (DIFS). You can verify any producer’s license yourself through the DIFS locator on michigan.gov/difs — and we encourage exactly that kind of checking before you work with anyone, including us.

Four things: independent carrier access (an agency appointed with multiple A-rated carriers can shop your case — a captive agent can’t), verifiable credentials (BBB accreditation, state licensing you can check through DIFS), advisors who design policies rather than just quote them, and a real local presence. CentraLife checks all four — BBB A rating, NPN 21105331, and a Dearborn headquarters you can walk into.

Yes — that’s the point of having a real headquarters. In-person assessments are available at our Dearborn office for families across Wayne, Oakland, and Macomb counties, or by phone and video anywhere in Michigan. The first assessment is free and includes a review of anything you already own.

Term coverage for a healthy Michigan adult often runs less than a streaming budget; properly designed permanent policies typically start around $100/month; simplified-issue final expense starts lower still. The honest answer is that design matters more than sticker price — a max-funded smaller policy beats an oversized under-funded one every time. We show real carrier illustrations, not teaser rates.

Like most life insurance agencies, we are paid a commission by the insurance company that issues the policy — built into product pricing rather than billed to you — not by charging you a planning fee. Because we are independent and appointed with several carriers, a case can be placed where the underwriting and contract fit best. Ask any agent this question; expect a straight answer.

Yes. Under MCL 500.4015, an individual life insurance policy delivered in Michigan must carry a notice on its front page stating that for at least 10 days after you receive the policy you may cancel it and get a prompt refund of every premium paid, including policy fees, by returning the policy with a written cancellation request. Annuity contracts carry the same minimum 10-day right to cancel under MCL 500.4073. Read the front page of your own contract — a carrier may grant longer than the statutory minimum, and the notice controls.

MCL 500.4014 requires the policy and its attached application to be the entire contract and to be incontestable after it has been in force during the insured’s lifetime for 2 years from its date, apart from non-payment of premiums and the narrow statutory exceptions (wartime naval and military service, and, at the company’s option, disability and accidental-death benefit provisions). That is why an accurate application matters more than a fast one: within the contestable period a material misstatement can still be used to challenge a claim.

Michigan requires every authorized life and health insurer to belong to the Michigan Life & Health Insurance Guaranty Association (MLHIGA) under MCL 500.7706. If a member insurer is liquidated, MLHIGA covers, per one life per insolvent company, up to $300,000 in life insurance death benefits (no more than $100,000 of that in net cash surrender and withdrawal values), up to $250,000 in present value of annuity benefits, and never more than $300,000 aggregate in all benefits other than basic hospital, medical and surgical benefits. Exclusions apply and MLHIGA itself states that this protection is not a substitute for care in choosing a financially stable company — so treat carrier financial strength as the primary safeguard and the association as a backstop, not a guarantee.

MCL 500.4012 requires every life insurance policy to include a grace period of one month for each premium after the first year — coverage stays in force during that month, and if the insured dies in it the overdue premium is simply deducted from the settlement — and requires the insurer to mail written notice to the policyowner’s last known address at least 30 days before coverage terminates (that notice requirement does not apply to insurers that collect most annual premium in person). Those are floors, not features to shop on.

Two free primary sources. The Michigan Department of Insurance and Financial Services (michigan.gov/difs) licenses and regulates producers in the state and runs a consumer complaint process. The NAIC Consumer Information Source (content.naic.org) shows an insurer’s licensing status, financial filings, and complaint history. The NAIC also runs a free Life Insurance Policy Locator for families searching for a deceased relative’s policy.