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.

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.

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Birmingham, Michigan · Oakland County

Birmingham wealth is built. The question is what survives you.

Birmingham households have usually solved the accumulation problem — the business sold or still throwing off income, the portfolio managed, the real estate appreciating. What’s routinely unsolved is the transfer problem: how much of it reaches the next generation intact, and how much leaks to estate settlement, probate, and taxes that were entirely designable around.

CentraLife works with Birmingham families and their attorneys on the insurance layer of estate planning — ILITs that keep death benefits outside the taxable estate, survivorship policies that fund estate liquidity so heirs never fire-sale assets, and cash-value designs that let wealth compound quietly outside the reach of market drawdowns.

Build My Plan (313) 925-3760

For Birmingham Families

The insurance layer of estate planning — designed with your attorney, not around them.

Indexed Universal Life

Permanent coverage with index-linked cash value, a floor against negative index credits, and potential lifetime access through withdrawals and policy loans.

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Mortgage Protection

Coverage designed around the household—not only the loan—with options for living benefits and permanent cash value where appropriate.

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Final Expense

A small whole-life policy that turns a five-figure bill into a tax-free check — so your family inherits money, not a funeral invoice.

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Asked in Birmingham

Local questions, straight answers.

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.

Michigan Research

Talk to an advisor who works where you live.

Free 30-minute assessment — in person or by phone
Review of existing policies, 401(k)s, and pensions included
Headquartered at 290 Town Center Dr, Dearborn, MI 48126

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Also Serving

Dearborn, MI Detroit, MI Livonia, MI Troy, MI Bloomfield Hills, MI Macomb, MI Sterling Heights, MI Rochester, MI Ann Arbor, MI Grand Rapids, MI Lansing, MI Kalamazoo, MI Flint, MI Traverse City, MI IUL vs 401(k) — run your numbers

Birmingham wealth is built. The question is what survives you.

Indexed Universal Life

Mortgage Protection

Final Expense

Local questions, straight answers.

Useful next steps for Birmingham households.

The Michigan life insurance coverage gap

How to compare life insurance carriers

CentraLife’s Dearborn headquarters

Talk to an advisor who works where you live.