Life Insurance & IUL Advisor in Lansing, MI
CentraLife advisors serve Lansing families from our Dearborn, MI headquarters — max-funded IUL, mortgage protection, final expense, and estate strategies. In person or by phone.
What is pension maximization?
When you retire, choosing a survivor benefit typically reduces your pension 10–15% for life. Pension max takes the full single-life pension and uses part of the difference to fund a life insurance policy on you — if the numbers work, your spouse gets equal or better protection and you keep more monthly income. Whether it works depends on age, health, and rates: it’s a calculation, not a slogan.
Should I convert my 457 to a Roth?
Governmental 457(b) money can be rolled and converted — and every converted dollar is taxable that year, which is why conversions are staged across years against your bracket. Done between retirement and RMD age, it can permanently shrink future forced withdrawals. See our annuity review page for the staging calculator.
My spouse and I both have state pensions. Do we even need life insurance?
Maybe less than a single-income family — but survivor elections, health-care bridge years before Medicare, and legacy goals still leave gaps a right-sized policy fills cheaply. We’ll tell you if the honest answer is "very little."