M. J. Flajole

Michael is a veteran independent life and health insurance agent who specializes in guiding people with even high risk health conditions thru the insurance process.  He is passionate about helping individuals and families get their unique financial protection needs met, providing his experienced based advise and delivering affordable, dependable coverage you can count on.

Medical Exam Free Life Insurance: Your Definitive Guide

Is the thought of having a paramedical exam bringing you down?  Do you just really hate the thought of dealing with needles?  Some people might have “white coat syndrome” causing elevated blood pressure readings just from being in a doctors office.  Whatever your reason, you can bypass the nurse and needles and the whole paramedical exam in full.  Life Insurance with no medical exam isn’t too hard to find these days. I am putting together …

Read moreMedical Exam Free Life Insurance: Your Definitive Guide

Final Expense Insurance For Seniors – The Nuts and Bolts

So what is Final Expense Insurance For Seniors all about?  Is it the same as Burial Insurance? In this article we are going to first enlighten you on what it is.  Second, how you can cost effectively insure and see your final needs, wants and wishes are met. The benefits of final expense insurance just makes sense to a lot of folks.  It is quite affordable while offering inherent guarantees.  Remember, leaving this world costs …

Read moreFinal Expense Insurance For Seniors – The Nuts and Bolts

Gerber Life Insurance Review: Pro’s, Con’s & Rates

Today, I am going to take some time and review a “baby brand name” life insurance product.  Now, guaranteed issue whole life is actually available from Gerber Life Insurance Company.  Gerber Life is located in Fremont, MI and was founded in the year 1967.  The company is especially well known for their “Grow Up Plan,” a whole life insurance product for children.  We may be posting a Gerber Life Grow Up Plan review in the …

Read moreGerber Life Insurance Review: Pro’s, Con’s & Rates

The Best Burial Insurance Companies: Inside Report

Planning for that final day of life is hard to do isn’t it? No one likes to think about it any longer than required. Need the right kind of life insurance to protect or leave a gift for your loved ones? A common decision item is picking the best burial insurance from the companies that offer this type of whole life coverage. Now, the top policies from the best burial insurance companies are going to …

Read moreThe Best Burial Insurance Companies: Inside Report

Life Insurance For Seniors: Our Complete Guide

Lots of misconceptions out there about the need for life insurance and different uses of it. I am here to tell you, life insurance for seniors has become very much in demand, especially as of 2020. If you’re a senior and don’t have it right now, we’ve got the answers to you life insurance questions right here. Having written a good number of life insurance cases for seniors in my career, I’d would argue that …

Read moreLife Insurance For Seniors: Our Complete Guide

Mortgage Protection Insurance or Term Life Insurance

Mortgage Protection Insurance, sometimes called MPI, is designed for one purpose, to pay off the debt on a mortgage. This is if the borrower loses their life either due to either an accident or natural causes. Now, term life insurance can be used for any purpose, including but not limited to a mortgage payoff. Under most circumstances, a term life insurance policy is a better choice and offers a lot more options. In this article, …

Read moreMortgage Protection Insurance or Term Life Insurance

Buying Life Insurance The Easy Way

If you are looking into buying life insurance for yourself or on behalf of a family member, you’ve found a good place to get the ball rolling. Buying Life insurance online can be easy and convenient with modern technology.  Ease of qualification varies from product type and carrier to carrier based on your overall risk profile. If the product you apply for requires a Paramedical Exam (nurse sent to your home or office) and an …

Read moreBuying Life Insurance The Easy Way

Funeral Insurance For Seniors: The Need to Know

So, what is it and how does it work?  Is it a good move for me?  In this post, I will discuss a very difficult to talk about but very specific life insurance product, Funeral Insurance for seniors.  We are going to put enough information into this article to help decide if it is the right option for you and your family. While a difficult subject to think about, discuss and financially plan for, as …

Read moreFuneral Insurance For Seniors: The Need to Know

Is Whole Life a Ripoff: The Dave Ramsey, Suze Orman Life Insurance Rant

Well, this one tends to fuel a lot of hoopla these days. Financial advisor gurus, Dave Ramsey and Suze Orman say you should only buy guaranteed level term insurance. They have purported that permanent insurance policies like whole life insurance are a bad investment.  Buy term life insurance they say.  Whole life insurance has even been called a ripoff!! Are they right? Suze Orman Life Insurance – Term Life Insurance, The One Trick Pony Take …

Read moreIs Whole Life a Ripoff: The Dave Ramsey, Suze Orman Life Insurance Rant

AAA Survey – A Case Study and Conclusion: Do I Need Life Insurance

On 9/29/17, WOOD-TV 8 (NBC Television in Grand Rapids, MI) ran a report relating to some common life insurance facts and several of the misconceptions of consumers.  As a company, we have heard a lot of the myths and misinformation highlighted in this report. The point of bringing this news story to your attention today was one surprising fact the study revealed.  It just plain shook me up. And…here is the shocker…. In the news report, a survey conducted by …

Read moreAAA Survey – A Case Study and Conclusion: Do I Need Life Insurance

css.php