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

Does the idea of a nurse showing up at your house with a needle stress you out? You’re not alone. Whether it’s needle phobia, “white coat syndrome,” or just a hectic schedule, there are plenty of reasons why you might want to avoid the paramedical exam that comes with traditional life insurance. The good news? You can skip it entirely. These days, life insurance with no medical exam is not only common—it’s faster, easier, and …

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Final Expense Insurance for Seniors: A Practical Guide to Funeral Coverage

Worried about leaving behind a financial burden for your family? Final expense life insurance (also called funeral insurance or burial insurance) is a simple, affordable policy designed to help your loved ones cover funeral costs, medical bills, or other end-of-life expenses. Let’s break it down—what this policy actually covers, who it’s for, how much it costs in 2025, and what to watch out for before buying. 💡 What Is Final Expense Insurance? Final expense insurance …

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

2025 Update: Gerber Life’s guaranteed issue life insurance is still widely advertised on TV and online — but is it really the best option for seniors with health concerns? In this review, we’ll cover what’s changed (and what hasn’t), how the policy works, and better alternatives that could save you money — even if you’ve been declined elsewhere. 🔎 Gerber Guaranteed Issue Life Insurance — At a Glance Issue Ages 50–80 Coverage Amounts $5,000 – …

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The Best Burial Insurance Companies: Inside Report for 2025

Planning for that final day of life is hard, isn’t it? No one likes to think about it more than necessary. But if you’re looking to protect your loved ones—or leave behind a financial gift—choosing the best burial insurance policy is a crucial step. So, which companies are actually worth considering? We’re breaking down the top burial insurance companies that offer whole life coverage, simplified underwriting, and fast application processes—without needles, exams, or medical records. …

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What Every Senior Needs to Know About Life Insurance — No Nonsense, Just Real Talk

When my friend Joan turned 72, she kept hearing ads about “senior life insurance” but didn’t know where to start. Like many seniors, Joan felt overwhelmed and skeptical — was it going to be too expensive? Would she even qualify with her health issues? What if it was just a sales gimmick? If you’ve felt the same, you’re not alone. And that’s why I wanted to write this — to cut through the noise and …

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Mortgage Life Insurance or Term Life Insurance: What is The Difference

Mortgage Life Insurance also known as Mortgage Protection Insurance (MPI), is designed for one purpose, to pay off the debt on a mortgage if the owner passes away while paying down the loan on their property. 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, …

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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 …

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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 …

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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 …

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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 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 …

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