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life insurance quote button for E.W. Smith Insurance Agency*For an immediate quote – call to speak with an agent

The E. W. Smith Agency provides amazing options for life insurance in Michigan

Whole Life Insurance is the simplest form of permanent life insurance. It provides death benefit coverage up to age 110 and gives you access to guaranteed cash values.


 With flexible payment options and four rate classifications to provide you with the best rate possible, a Whole Life Insurance policy could be just what you need to provide your family with security that lasts a lifetime.


 Advantages of a Whole Life Insurance Policy

  •  -Guaranteed cash value that grows each year
  •  -Long-term financial protection against expected and unexpected life events
  •  -A single policy to last your entire life
  •  -Predictable and dependable coverage
  •  -Financial protection from an unexpected death
  •  -Money for family living expenses, to pay off debts and to pay final expenses at the death of the insured

Level Term life insurance provides a low cost level death benefit for a ten, twenty or thirty year period.  This type of insurance is less expensive than whole life and is typically used to cover the the financial means to meet a future obligation such as:  

  • family living expenses
  • children's educational needs
  • mortgages
  • business loans
  • business buy/sell agreements
  • key person insurance
  • miscellaneous debt
This type of policy expires at the end of the 10, 20, or 30 year term however, at the E.W. Smith Agency a unique Guaranteed renewability benefit can be added to your policy to guaranteed that it will renew, without proving insurability at the end of the term.  With this benefit, if you get sick during your term, your policy will renew no matter what the sickness is. 

Provide for your family, no matter what with life insurance!  Whether it's paying off your mortgage, sending your children to college, or providing for final expenses, you can begin planning here to protect your family's future.  

Go to our 
Insurance Needs Calculator  to find out how much life insurance you might need.  

Excellent, exceptional and wonderful experience every time I call.  My agent is a great sales rep. and has never failed me.  He is a great person to handle my insurance needs.  Just keep up the "Great Service"....Courteous, Caring and knowledgeable.  Thank you!


You can use our quick and easy quote form to begin your life insurance quote

life insurance quote button for E.W. Smith Insurance Agency*For an immediate quote – call to speak with an agent

Additional resources:
The biggest life insurance mistake you can make
5 Ways to save on auto insurance right now
4 tips when purchasing home insurance

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