M. J. Flajole

Michael is a licensed and veteran independent life and health insurance agent who specializes in guiding people with 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 and dependable coverage people can count on.

Mortgage Protection Insurance or Term Life Insurance

Mortgage Protection Insurance, sometimes referred to as MPI, is designed for one purpose, to pay off the debt on a mortgage 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 to those who …

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Top Life Insurance Quotes

If you are looking for instant online life insurance quotes, look no further. Click this link and you will have access to generate an immediate quote from all the top life insurance companies by using our simple, quick quoting tool. This is good place to make sure your budgetary needs are met before making your application. If you are buying life insurance online now, you simply request to apply for coverage in the quoting tool …

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Life Insurance After A Heart Attack – What To Know

Whatever brought you here today, whether it was the thought of heart attack insurance or the need to buy life insurance after a heart attack… the answers you seek are here. If you became a victim of a heart attack or had heart surgury and need life insurance, you’re far from alone.  Heart trouble is certainly a very frightening experience that probably got you thinking about your own mortality.  Are really wondering if you can …

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Graded Benefit Whole Life Insurance

So your health has placed you in a very higher risk category for life insurance?  Maybe you are assuming that the best life insurance options companies won’t give you the coverage you want and need?  Don’t lose heart.  The news isn’t all bad as you still have options for life insurance.  Graded death benefit life insurance is designed for those who are indeed, high risk life insurance candidates. If you are unable to qualify for …

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Is Funeral Insurance Worthwhile Or Not?

Funeral Insurance, 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.  Yes, Funeral Insurance.  We are going to put enough information into this article to help decide if Funeral Insurance for seniors is worthwhile for you, personally. While a difficult subject to think about, talk about and financially plan for, as …

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Globe Life Insurance Review – Your Need to Know And More

So you are trying to get some feedback on Globe Life?  Maybe you’re asking the question… is Globe Life legitimate or not? Your resolve: do some due diligence by finding some Globe Life Insurance reviews.  Good decision on your part. Now, before I get into our Globe Life Insurance review here today, I will put out a “disclaimer” up front. We do not have a business relationship with the Globe Life Insurance Company nor are …

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Life Insurance For The Elderly – The Complete Product Guide

Wow, Senior Life Insurance in 2020, Absolutely!! If you heard life insurance was just for married people raising kids… Wrong!! I am here to tell you, life insurance is not just for the “young folks.”  If you don’t have it right now, at least you came here with an open mind to check it out. Having written a good number of life insurance cases for various ages in my career, I’d would argue that life …

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Gerber Guaranteed Issue Life Insurance Review

Today, I am going to take some time and review a “baby brand name” life insurance product.  Now, this product is actually available from Gerber Life Insurance Company.  Gerber Life Insurance Company is located in Freemont, MI and was founded in the year of my birth…1967.  Gerber is best known for their “Grow Up Plan” a whole life insurance product for children.  We may be posting other Gerber life insurance reviews in the future.  For …

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Is Whole Life Insurance a Ripoff or the Right Financial Tool: The Dave Ramsey, Suze Orman Rants

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 life 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? Dave Ramsey And Suze Orman Life Insurance – The One Trick Pony, …

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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 this 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. However… The point of bringing this news story to your attention today is for one surprising fact this study revealed.  In fact, it just plain shook me up. And…here is the shocker…. In the news …

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