Life insurance designed in Dearborn — where CentraLife is headquartered.
CentraLife isn’t a call center with a Michigan phone number — our headquarters is at 290 Town Center Dr in Dearborn. The advisors who design max-funded IUL contracts, mortgage protection plans, and estate strategies for families nationwide work from the same city you live in.
Dearborn families face a specific version of the planning problem: single-income households, multi-generational homes, and business owners whose wealth sits in the business and the house — with almost nothing structured to grow tax-advantaged or pass on cleanly. That’s exactly the gap our advisors are trained to close.
Independent life insurance guidance, face to face.
CentraLife is a life insurance agency headquartered at 290 Town Center Dr, STE 675, Dearborn, MI 48126. Local appointments are available for term life, whole life, indexed universal life, mortgage protection, final expense, and policy reviews.
Sat 10 AM–3 PM
STE 675 · 48126
Sit across the table from your advisor — our headquarters is in Dearborn, and in-person assessments are available for local families.
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.
Learn moreMortgage Protection
Coverage designed around the household—not only the loan—with options for living benefits and permanent cash value where appropriate.
Learn moreFinal 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.
Learn moreWhat working with the Dearborn office actually looks like
Dearborn is where the firm is run, not a listing on a map. That changes the mechanics of an engagement more than it changes the marketing.
- Appointments are held at 290 Town Center Dr, STE 675, with evening appointment times available Mon–Fri.
- You meet the licensed advisor who will design the case, and the same person handles the application and the policy delivery.
- Documents you already own — group certificate, old policy, pension election letter — can be reviewed in the room rather than emailed back and forth.
- Bring existing policies, recent statements, and the questions you want answered; the review begins with what you already own.
- License verification is encouraged on the spot: NPN 21105331, checkable through the DIFS producer locator on michigan.gov/difs.
Five steps, no surprises.
The same process for every Dearborn household, whether the outcome is a policy or a recommendation to keep what you already own.
- 01Discovery
What you already own — group coverage, old policies, 401(k)s, pensions, the mortgage — written down in one place before anything is recommended.
- 02Design
Goals translated into structure: coverage amount, policy type, funding level, riders, and ownership. Trade-offs shown, including the option of doing nothing.
- 03Shop
The case is matched to carriers whose underwriting and contract mechanics suit it, with illustrations compared on guaranteed as well as projected columns.
- 04Underwrite
Application, health questions, and any exam or records. Offers can come back different from the quote — we explain why and re-shop if the rating warrants it.
- 05Deliver & review
Policy delivered with the free-look period explained, beneficiaries confirmed, and a review cadence set so the plan does not drift as life changes.
Educational information only — not individualized financial, tax, or legal advice. Policy availability, pricing, and features depend on carrier underwriting and the contract issued. Verify any producer license through Michigan DIFS at michigan.gov/difs.
Local questions, straight answers.
Can I meet a CentraLife advisor in person in Dearborn?
Yes. CentraLife is headquartered at 290 Town Center Dr, STE 675, Dearborn, MI 48126. Local families can schedule an in-person assessment or a call — whichever is easier. Book through the contact page or call (313) 925-3760.
Where can I get life insurance near me in Dearborn?
You’re standing in the right city — CentraLife’s national headquarters is in Dearborn at Town Center Dr, and we’re a BBB Accredited Business with an A rating. In-person assessments by appointment, or start with a phone call. Most quote websites route you to a call center three time zones away; our advisors work where you live.
What does a Dearborn family typically work with CentraLife on?
Most local engagements start with one of three things: structuring life insurance so its cash value builds a tax-advantaged asset, protecting a mortgage in a way that builds wealth instead of just retiring debt, or coordinating coverage with estate planning so assets pass outside probate.
What should I bring to a Dearborn appointment?
Whatever you already own: the group life certificate from work, any existing policy statements, your most recent 401(k) or pension statement, and the mortgage balance. None of it is required — a first meeting works fine without it — but the review is far more useful with real numbers instead of estimates.
Is CentraLife licensed in Michigan?
Yes — CentraLife is licensed in Michigan (NPN 21105331), and appointed with A-rated carriers including Americo, Mutual of Omaha, National Life Group, and Transamerica.
Useful next steps for Dearborn households.
Talk to a licensed advisor — in Dearborn, by phone, or by video.
- 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