Individual Life Insurance – Term & Whole Life for Families
Life Insurance Tailored to You
Your life, your goals, your coverage. At Quality Choice Insurance, we help individuals and families across Michigan—from Sparta to Muskegon—find life insurance that fits their season of life. Whether you're a new parent protecting your children's future, a homeowner with a mortgage, or a retiree planning for final expenses, the right policy brings peace of mind and lasting financial security.
As an independent life insurance agency serving West Michigan, we compare policies from leading carriers to find options that align with your budget, health, and long-term goals. From affordable term life to permanent coverage that builds value, we’re here to help you make confident decisions.
Term Life Insurance – Affordable Protection
Term life insurance offers simple, cost-effective protection for a set period—usually 10, 20, or 30 years. It’s ideal if you want coverage during your working years, until your children are financially independent, or until your mortgage is paid off.
This is often the most affordable way to get high coverage amounts. For example, a healthy 35-year-old might pay less than $30/month for a $500,000 20-year term. Many term policies also include a conversion option, meaning you can switch to permanent coverage later without another medical exam.
If you’re looking for budget-friendly protection for your family in Sparta, Grand Rapids, or anywhere in West Michigan, term life insurance might be the right fit.
Whole Life & Permanent Insurance – Lifetime Coverage
Whole life insurance provides lifelong coverage and a guaranteed death benefit. It also builds cash value that grows tax-deferred and can be accessed later for emergencies, retirement income, or other needs. Premiums are level, so they never go up with age.
This type of policy is great for those looking to:
- Cover funeral and final expenses
- Leave a financial legacy
- Plan for estate or tax obligations
- Build a supplemental asset over time
We also offer other permanent options such as
guaranteed universal life, which provides lifetime coverage with lower premiums than whole life and minimal cash value.
Life Insurance for Seniors
Think it’s too late to get life insurance? Think again. We help seniors in Michigan, including those over 65, find final expense policies that are affordable and require no medical exam. These smaller whole life policies—typically $5,000 to $25,000—can cover burial costs, pay outstanding debts, or leave a meaningful gift to loved ones.
Even if you’ve had health challenges, we know which companies are more flexible with medical conditions. Let us help you find coverage that brings peace of mind without overpaying.
Our Process: Finding Your Ideal Policy
Not sure where to start? That’s where we come in. Our team will:
- Learn about your goals and family situation
- Estimate your coverage need (using common rules like 10x income or more customized formulas)
- Collect basic health and lifestyle info
- Compare quotes from multiple top-rated insurers
- Guide you through the application—no pressure, no confusion
We understand how underwriting works, and with decades of experience, we can often find coverage even when others can’t.
FAQs About Individual Life Insurance
How much life insurance do I need for my family?
It depends on your income, debts, future expenses, and goals. A common rule is 10 to 15 times your annual income, but we can customize a recommendation based on your personal situation.
Should I get term life or whole life insurance?
Term life is best for temporary needs and tight budgets. Whole life offers lifetime protection and cash value. Many people choose a mix. We’ll help you compare and decide what makes the most sense.
Can I get life insurance without a medical exam?
Yes, some term and final expense policies offer simplified underwriting. Depending on your age and health, you may qualify for coverage without an exam.
Is life insurance available for people over 65?
Absolutely. Seniors in Michigan can qualify for final expense or whole life policies—even with health concerns. We’ll match you with a carrier that works for your age and situation.
How long does it take to get life insurance?
With simplified issue policies, you can be approved in days. Fully underwritten policies may take a few weeks. We’ll guide you through every step and keep the process moving smoothly.
Get Your Free Life Insurance Quote
Your family deserves financial stability—no matter what happens. Contact us today for a free, no-obligation quote and personalized guidance. We’ll help you explore term life, whole life, or hybrid options and find the policy that truly fits.
We’re based in West Michigan, and we work with families across the region to make life insurance simple and stress free.