Nine specialties. One coordinated plan.
CentraLife is built around indexed universal life as the centerpiece — and surrounded by the protection, retirement, and tax strategies that make it work.
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.
Term Life Insurance
Affordable coverage for 10, 20, or 30 years — with return-of-premium and conversion options.
Mortgage Protection
Coverage designed around the household—not only the loan—with options for living benefits and permanent cash value where appropriate.
Whole Life Insurance
Lifetime coverage with guaranteed death benefit, fixed premiums, and steady cash-value growth.
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.
Annuities
Guaranteed income for life — fixed, indexed, and immediate options to convert savings into a paycheck.
Tax Mitigation
Tax-aware insurance and retirement planning coordinated with your CPA and attorney under current law.
Trust & Estate Planning
Wills, trusts, and estate structures that protect what you build and pass it on intact.
Roth Conversion Planning
Staged, bracket-managed conversions that move tax-deferred money — 401(k)s, IRAs, qualified annuities — into tax-free Roth growth without bracket shock.
Free policy reviews — including orphaned policies.
If the agent who sold your policy has left the business, you own what the industry calls an orphaned policy — and nobody is watching it. We pull the in-force illustration on policies you already own and show you what they’re actually on track to do versus what they were sold to do. Sometimes the right answer is keeping exactly what you have; sometimes it’s a 1035 exchange into a better design. The review is free, and you get the math either way.
Request a free reviewSame specialties. Designed for your world.
For Business Owners
Key person coverage with the §101(j) paperwork done right, buy-sell funding re-read against Connelly (2024), and the owner’s own exit — because the business is the estate.
For Truck Drivers
Owner-operators building retirement without an employer plan, and company drivers structuring the dollars beyond the carrier’s 401(k) — built around the reality that a CDL is a medical license to earn.
For Veterans & Military Families
The VA benefits gap explained with exact figures and va.gov citations — burial allowances vs real funeral costs, the VGLI premium treadmill, and the private layer that closes the difference. Not affiliated with the VA.
For Michigan Families
Headquartered in Dearborn and serving the whole state — city-by-city advisor pages from Detroit to Traverse City, with in-person assessments available across metro Detroit.
In Your State
Licensed in 49 states — with planning guides built around each state’s rules: income tax or none, estate cliffs, inheritance taxes, and community property. From Texas to California.