When you need Life Insurance, we’re here to help.

Life insurance is not only the cornerstone of a solid financial plan, but hands down, it’s one of the most cost effective ways to protect the people who depend on you financially.

We help you protect who you love.  Think about it:

  • What would happen to your family if you were to die prematurely?  Could they maintain their current lifestyle?

  • Would your kids be able to go to college?

  • Could your spouse be able to shoulder the load with one income?

If you have a child, are married, or you are carrying any kind of debt, purchasing this protection is a no-brainer.

If all three… well, then hopefully you already have Life Insurance.

Here are a few other reasons to have Life Insurance:

  • Make charitable donations

  • Pay federal death and estate taxes

  • Create an inheritance for your heirs

  • Cover final expenses

We make buying life insurance easy.

At Blackwell Michael Insurance Services, we make the process of buying Life Insurance extremely simple.

We have access to a wide range of life insurance companies, so we can survey the marketplace.  And based on your individual rating criteria, we’ll find the best possible life insurance policy at the best price.

When purchasing insurance, there are a few things to consider.  Do you want Term insurance or Whole Life?  If you don’t understand the difference, that’s okay.  That’s why we’re here.

How much insurance do I need?

A point often overlooked is that life insurance coverage should not be based on a guess.  That is, you should not grab a number “out of thin air” because inflation could impact your heir’s insurance proceeds.

Instead, your coverage needs depend on many different factors.  For example:

  • How many children do you have?

  • What is your future earnings potential?

  • Are you married?  If so, what’s your spouse’s future earnings potential?

  • How old are you and your spouse?

  • How much debt do you have?

So how does BMIS help you?

In short, BMIS finds the right Life Insurance that best meets your needs.  What’s more, we’ll help you with custom coverage, service your way, and competitive prices.

Because BMIS is an independent insurance agency, we focus on your unique needs and situation.  But how do we do that?

Put simply, we sit down and walk through a comprehensive needs analysis.  From there, we determine the exact amount of coverage you need to protect the people who depend on you.