THE SMALL BUSINESS DOCTOR INC.
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Life Insurance

Life Insurance is not complicated or expensive when you work with one of our licensed sales representatives. Let's explore options to protect your loved ones.

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What is Life Insurance?

Life insurance pays out a sum of money either on the death of the insured person or after a set period of time.

Common Types of Life Insurance

Term Life Insurance
  • Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.
Whole Life Insurance
  • Whole life insurance, or whole of life assurance, is a life insurance policy that remains in force for the insured's whole life and requires (in most cases) premiums to be paid every year into the policy.
Universal Life Insurance
  • A type of permanent life insurance. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, as well as any other policy charges and fees which are drawn from the cash value, even if no premium payment is made that month. Interest credited to the account is determined by the insurer, but has a contractual minimum rate of 2%. When an earnings rate is pegged to a financial index such as a stock, bond or other interest rate index, the policy is a "Equity Indexed Universal Life" contract.

Contact us to learn more about the right life insurance for you.
(989) 846-9581
4368 Foco Road
P.O. Box 1219
Standish, MI 48658
Click Here to Email Us
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The Small Business Doctor Inc.
4368 Foco Road
P.O. Box 1219
Standish, MI 48658
(989) 846-9581
Click Here to Email Us

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  • Home
  • Quotes
    • Life Quotes >
      • Life Insurance Quote
      • Disability Insurance Quote
      • Final Expense Insurance Quote
      • Term Life Insurance Quote
      • Indexed Universal Life Insurance Quote
      • Whole Life Insurance Quote
      • Mortgage Protection Insurance Quote
    • Health Quotes >
      • Critical Illness Insurance Quote
      • Dental Insurance Quote
      • Long Term Care Insurance Quote
      • Vision Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Policy Review
    • Update Contact Info
    • Policy Changes
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Life >
      • Life Insurance
      • Disability Insurance
      • Final Expense Insurance
      • Term Life Insurance
      • Indexed Universal Life Insurance
      • Whole Life Insurance
      • Mortgage Protection Insurance
    • Health >
      • Critical Illness Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Vision Insurance
  • About
    • Staff Directory
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Accessibility Statement
    • Newsletter Signup
    • News
    • Blog
  • Contact