Life Insurance & IUL Advisor in Birmingham, MI
CentraLife advisors serve Birmingham families from our Dearborn, MI headquarters — max-funded IUL, mortgage protection, final expense, and estate strategies. In person or by phone.
Why would a Birmingham family put life insurance inside a trust?
An Irrevocable Life Insurance Trust (ILIT) keeps the death benefit outside your taxable estate and gives you control over how and when heirs receive it. For estates approaching the federal exemption, it’s one of the cleanest liquidity tools available — the trust receives income-tax-free proceeds exactly when settlement costs hit.
We already have a wealth manager. Where does CentraLife fit?
Wealth managers run portfolios; almost none design insurance. CentraLife handles policy architecture — carrier selection, funding design, trust ownership — and coordinates with your existing team. We don’t compete for assets under management.
Does a survivorship (second-to-die) policy make sense for us?
For married couples with estate-liquidity needs, often yes — survivorship policies insure two lives, pay at the second death when estate costs actually arrive, and typically cost meaningfully less than two individual policies.