Secure Assets Insurance Agency

Secure Assets Insurance Agency is a completely independent insurance agent specializing in Medicare, Health Insurance, Life Insurance and Retirement Solutions.
Our clients are located all across Michigan, giving us a great feel for the insurance landscape.
We design plans with a focus on low costs which we combine with personalized financial advice aimed at helping clients make better-informed decisions.
Our mission is to build lasting client relationships based on a level of trust that is earned through wise counsel, positive results, clear and candid communication, and service that exceeds expectations.

Before choosing a plan we want to be sure you know the difference between your many options; In particular how Medicare Supplements and Medicare Advantage Plans differ.
Many people sign up for Advantage Plans thinking they are Supplements, they are not.
A Medicare Supplement is used with original Medicare.
Any caregiver that accepts Medicare will take a Supplement because they only need to bill Medicare.
Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%).

Final expense needs are usually covered with a whole life insurance policy.
The benefits of whole life insurance include a guaranteed level premium that can never be increased, guaranteed cash value and a guaranteed death benefit that can never be decreased.
The cost of final expense coverage is very affordable, even if you have some health problems.
The application process is quick and easy.
You can apply for final expense insurance coverage without having to undergo any medical examination - you simply answer the questions on the application.

We also offer various types of supplemental insurance plans, which are needed when life's unexpected health issues come up.
Having this type of insurance can save you thousands of dollars in medical bills.
Our experienced staff of insurance agents will help you choose the plan that will work for your current situation, as well as help you plan for unexpected problems that may occur in the future.
Supplemental coverage options also referred to as ancillary benefits, are often overlooked, but are an affordable health insurance option for many individuals and families.

Secure Assets Insurance Agency can provide you with a wide array of products and services from a variety of respected insurance and benefits providers.
We obtain and evaluate proposals from all available carriers.
We can introduce and educate you or your family on the benefits.
Secure Assets Insurance Agency offers a complete line of insurance products and services.
These products and services are designed to provide solutions to your personal and business financial needs.

Life insurance may be one of the most important purchases you'll ever make.
In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more.
If you're considering securing you and your family's financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!
Term Insurance, the most affordable type of insurance when initially purchased, is designed to meet temporary needs.

So you've taken all the steps to protect yourself from disaster due to medical conditions and it's time to think about how to protect your finances over the long term.
What has that CD that you've rolled over for 10 years done for you?
The rate of interest for a CD is virtually always less than that of an annuity, and many annuities offer guaranteed rates.
Certain annuities offer an option of paying monthly interest to you, some offer bonuses for satisfying certain requirements such as leaving it for 5-10 years then taking 10%/year (that is an example, different annuities offer different terms).

Medicare helps you get the coverage you need, but you should expect to pay some of the costs.
If you choose Medicare Part A and Part B, you'll find gaps in the coverage.
Many people enroll in a Medicare Advantage, Part D Prescription Drug and/or a supplemental plan to help pay for the costs and benefits that aren't covered by Original Medicare.
Medicare Part C (Medicare Advantage plans) covers all the services that Parts A and B cover.
Part C may also include prescription drug coverage, as well as vision, hearing and dental coverage, and preventive services.