Frequently Asked Questions
Why do I need life insurance?
This is a question that many individuals and families are faced with. Life Insurance is needed to provide financial security for your family if you pass away. Life insurance proceeds can be used to put a child through college, pay off mortgages, ensure your spouse’s retirement, cover your funeral expenses, and many other things. Of course as life changes, your policy should also change. If you have a new child, you may want to increase your coverage.
Speak with a Rep Get a Quote
Speak with a Rep Get a Quote
Should I choose Term life or Permanent life insurance?
This is another question that many people ask regarding life insurance policies. This is a question with no definitive answer; it depends solely on your own personal circumstances. Term life insurance only provides coverage for a set period of time such as ten years, while permanent life insurance lasts for a lifetime and is partially an investment and not just a worst case scenario plan. The premiums of permanent life insurance are much higher than on term life insurance.
In order to determine what type of coverage is right for you and how much coverage you need, give McMichael Insurance a call and either talk with an agent over the phone or set up a meeting with them.
Speak with a Rep Get a Quote
How much life insurance do I need?
The average amount of life insurance coverage on insured husbands is $235,600, with insured wives being $147,800. Using these amounts, an insured husband will have enough life insurance to replace his income for 4.2 years and wives for 4.9 years. Rule of thumb recommendations state that the typical married couple would need to double its current coverage to have enough life insurance to replace income for 7 to 10 years.
The amount of life insurance can vary greatly depending upon how many children you have, schooling and college plans for them, debt load, and other factors. Tools are available to help you establish a basis for how much life insurance is appropriate for your family. Since no two situations are alike we do recommend utilizing these tools.
Speak with a Rep Get a Quote
What are the basic uses of life insurance?
Individual Life Insurance
Life insurance can help protect your personal assets you may have used as collateral on business loans. Your business may be the largest asset in your estate yet the most difficult for your heirs to liquidate. This unnecessary burden to your beneficiaries may be prevented by purchasing a life insurance policy.
Buy-Sell Agreements
Life insurance may be used to buy your business interest from your family or estate should you die prematurely. In a general partnership, surviving heirs of a partner can force liquidation of the business. This potentially crippling business scenario may be prevented by a proper Buy-Sell agreement funded with life insurance.
Key Person Insurance
Life insurance may help to cover the expense of replacing a key employee in the business should they die prematurely. Most businesses have a key employee who generates a significant amount of revenue for the company. If that key employee were to die prematurely, your business may have an increased need for cash flow due to a decrease in sales or productivity. If that key employee played a central part in your day to day operation, lenders may be hesitant to provide your business with money required to find an adequate replacement. A Key Person life insurance policy may provide you with the additional revenue your business would need.
Key Executive Incentive Arrangements
You may be able to purchase life insurance using corporate dollars to fund tax free retirement for a business owner and or key employees. There are numerous ways a life insurance policy can be used to create a non-qualified retirement plan you can offer as an incentive to your top employees.
Speak with a Rep Get a Quote
Other Insurances
Our Customers
McMichael Insurance was excellent to work with. They made shopping for the best price and coverage simple. They also made the transaction easy.
Mckenzie Mobley
15:38 24 Aug 26
Great people to work with. Kelsey has been such a big help and is very knowledgeable. Thank you!
Kristen Light
13:17 24 Jul 26
Very easy to work with!
Lucas Russell
13:55 11 Jun 26
Brian was very present and attentive during the onboarding process. They handled our client with great care and professionalism.
Paul Moore
13:42 01 Jun 26
Very easy to work with. Made sure I understood all about the insurance products they had to offer, even included videos. 100% recommend.
C Herritt
13:47 11 May 26
Great experience working with Kelsey, she was able to get us into a cheaper rate for both my home and auto.
Kevin
14:22 29 Apr 26
Great, personalized service with very responsive staff!
Jeffrey Starr
18:45 24 Apr 26
very helpful and knowledgeable about Medicare.
John Myers
16:51 23 Apr 26
Kelsey was very professional and did a fantastic job!
Jon Roach
15:22 09 Apr 26
Kelsey has made this switch of insurance so smooth, and she has been so efficient in every aspect. I also love the fact that I can call and talk directly to their team if I were to need anything; this was not the case before for me. I would HIGHLY recommend working with this team.
Alana Vaughn
19:33 07 Apr 26
Kelsey M. was great! I 100% recommend McMichael insurance!
Shannon G.
13:37 06 Apr 26
Josh was great! Very patient, knowledgeable and understanding.
Marcy Croyle
18:32 31 Mar 26
Kelsey was awesome! She was very knowledgeable, friendly, and very quick to respond to any questions I had!
Lia Motta
18:24 31 Mar 26
They talked me through the different options for home owners insurance and helped me make an informed decision.
Kevin Gerber
16:39 16 Mar 26
Working with Kelsey Mattson was great. She assisted me with a good home insurance policy.
Dragana Trifkovic
17:24 13 Mar 26
Kelseywas friendly, informative, and helpful. I received slightly better coverage at a reduced rate. What more can you ask for?
Travis Ressler
17:16 13 Mar 26
Josh was very helpful, thorough and informative. He made the transition to Medicare pretty seamless. He was also very prompt in all his responses.
Maureen Lancione
14:48 11 Mar 26
Chris did an unbelievable job for our family. In a matter of 2 months, we went from 4 drivers on 2 different policies, to a great new price for 3 drivers on one policy, with our daughter moving off our policy and our son added to our policy with a new car. Chris and all the agents who answered calls were always helpful, expert, and got us better pricing every time. Just like in Real Estate having an agency working for you, and an agent like Chris gets you the best deal! Thanks Chris! Thanks McMichael Insurance!!
John Clegg
14:40 11 Mar 26
Josh at McMichael Insurance was super helpful! He was super responsive, answered all our questions, and was able to help us find insurance to save $600/year! We had a great experience and would highly recommend them!
Erin Bossler
01:32 06 Mar 26
Kelsey made setting up my homeowners insurance a breeze. She handled everything effortlessly, even though I took longer than expected to respond to her calls and emails. Despite my delayed responses, she remained prompt, friendly, and ensured that all my questions were answered.
Kendra
05:04 26 Feb 26
McMichael Insurance Agency has been excellent to work with. Their team is professional, responsive, and knowledgeable. They’ve made managing our homeowners, umbrella, and auto policies with Hanover Insurance simple and stress-free. Highly recommended!
Randy Smoot
22:46 20 Feb 26
Been with McMichael for 15 years. Always great customer service. Have and continue to recommend them.
Fran Leck
14:15 19 Feb 26
We had this company quote our Home and Auto and they were so quick and attentive to detail we had them quote 3 other policies for us. They won them all, and we won!Kelsey Mattson is wonderful to work with, ask for her!
mark moore
17:36 13 Feb 26
Justin B was great through the whole process of looking for insurance for my company. He was very transparent and got me the coverage i needed.
Scott Roop
14:21 30 Jan 26
Great experience with Dennis. Was able to upgrade our auto, home, condo policies and add an umbrella policy for the same cost as previous insurer.
Aaron Reynolds
17:16 19 Jan 26
Great customer service from Chris.
Lawrence Gruber
17:54 14 Jan 26
Great experience. Kelsey was the best.I was looking for a local agent that I can do business with. Glad I found them.
Mike Foster
17:30 12 Jan 26
Gerald was extremely helpful and patient with us as we changed insurance companies after years of being with a large well known national company. He saved us money and got us even better coverage. Win win!
Cathy Petricevic
11:46 06 Jan 26
Josh has been wonderful in navigating Medicare options!
Gina Zimmerman
14:21 03 Jan 26
Have been a loyal customer of McMichael’s for well over 35 years. There service is well beyond the normal company and I would never think of changing and would recommend to all
Dan Goodhart
15:11 30 Dec 25
My wife and I really enjoy working with McMichael Insurance. They saved us some money and it is comforting to know that we have some we can talk to if we run into issues and need help. They are extremely professional and deliver exceptional customer service. I would highly recommend them to anyone!
Zachary Churchill
14:08 23 Dec 25
Josh was very professional and kind. He saved me lots of money and time finding the good health insurance. Doing business with him was very rewarding.
J Jaroniec
14:13 15 Dec 25
McMichael Insurance had be up and running with insurance before my new car was even ready to be driven off the lot! Kelsey was great to work with. Very efficient and they got me and even better deal than what I had before. Excellent experience and highly recommend!
Kara Oster
15:59 05 Dec 25
Josh was so patient and informative.
Cynthia Masters
22:19 04 Dec 25
We had a great experience working with Kelsey M. At McMichaels's insurance! She was quick to respond to our questions and working with her to compare quotes & choose the right home & auto plan was really smooth.
Megan Colby
14:12 03 Dec 25
I appreciate the guidance & follow through to help cover our needs during a difficult time.
Stacy Rippey
15:17 09 Nov 25
I was referred to McMichael Insurance by a very reputable financial planning company and the results did not disappoint. After an analysis of our previous policies, we were offered better coverage at a lower cost. The advisors were very accommodating and helpful and they made it easy to make the switch.
Alan Ramsey
14:22 07 Nov 25
McMichael Insurance reached to us for several years to ask if there was anything they could offer us, when it was time for us to ask, they delivered and did a great job.
Bob R
13:59 05 Nov 25
Josh was an excellent help with my medical advantage plan. Thank you again Josh
chuck Famageltto
17:25 04 Nov 25
Business Insurance - Great follow up and a great help when needing guidance starting my business and what insurance to get
Michael Johnson
15:23 21 Oct 25
You worked hard to get us a good deal on the insurance and you were patient with us in communicating the policy.Thanks again, Bill and Pat.
Wm Hiner
12:45 21 Oct 25
Great Service and professional.Thanks
Peter A.
13:43 09 Oct 25
Kelsey was through, efficient and friendly and also will be saving me over a $1k a year.
Kelly Byrnes
15:13 17 Sep 25
McMichael has been an excellent value added resource to us. THey have taken the time to learn about our business. Reviewing contracts, bonding, and getting involved with sub contractors has been very helpful.
kurt kluznik
14:03 17 Sep 25
Working with Kelsey was very easy & professional.
Mike DiChiro
13:20 15 Sep 25
Very easy to work with, found insurance at lower rates than we currently pay.
Larry-Janet Sampson
19:31 07 Sep 25
Kelsey was so helpful in setting up our homeowners’ insurance and auto insurance! We moved here from out of state and didn’t know anyone in the area, so we hoped we would find someone trustworthy and knowledgeable to help us navigate our insurance needs. Kelsey was always available to answer our questions and give us peace of mind. Thank you Kelsey and McMichael Insurance for helping us find the perfect policies for us! We will definitely use McMichael for all our insurance policies in the future.
Jason P
18:11 03 Sep 25
All went well and we got great new rates---BUT everything is handled electronically including conversations. No personal phone calls to discuss things. I think there was one phone call to answer some questions but otherwise all was handled over the computer. While I appreciate the expediency-no one there knows us!
Abby Fishel
16:00 18 Aug 25
Joshua provided me with knowledge and resources on choosing my Medicare benefits. He followed up but did not pressure me to decide. He is a great resource!
Michelle Walters
14:57 18 Aug 25
Amazing to work with, very informative, patient. Went over every detail in great length. Communication was spot on. Staff was very friendly all the way through the process. 5 Stars all the way!
Stacie Pollack
14:46 13 Aug 25
Kelsey was an exceptional help to us in getting very prompt, efficient, FULL insurance coverage on a house we just purchased! So kind! So responsive. Better than 5 stars for certain. I will use her and McMichael insurance for all of my insurance needs that they can cover going forward! Thank you, Kelsey!
Dawn Bailey
14:10 31 Jul 25
Great communication, thorough, timely and professional.Made the prices seamless and easyThank youJoe
joe Anderson
23:21 25 Jul 25
They find me the best policies with little doing on my part except clicking a few signatures
Raymond Thomas
01:48 19 Jul 25
Always helpful, and response and action time is very quick!
Mary Beth Tuma
16:00 18 Jul 25
My experience working with Joshua has been phenomenal. Me and my wife both worked with him on our Medicare. He explained all the details in layman's terms so that I could make a informed decision. I would highly recommend him to others for all of your insurance needs
Kevin Brown
00:01 13 Jul 25
I was very impressed by the service and would recommend McMichaels Ins. Kealsey, the rep I worked with was very helpful, knowledgeable and pleasant.
Ruth Herman
13:28 02 Jul 25
I Think the people at McMichael's insurance are very helpful to their customers. Thank you.
marlene alborn
15:49 20 Jun 25
Okay it was a real one on one experience working with Josh I felt comfortable, I trusted him, and we constantly kept in touch and made me much less nervous about retiring. He is still keeping in contact with me and I will refer him to all my friends and family
Janet Proudfoot
13:06 18 Jun 25
McMichael was recommended by our financial advisors. They took time to look over our current policy and suggest changes where lacking. We increased several of our limits and still saved a lot. Very happy with our experience.
Debra Wessels
18:41 13 Jun 25
Josh took the time to answer all our questions and explain the police. He was very helpful! I would recommend him to anyone.
Therese Rucinski
19:00 04 Jun 25
I have been doing business with McMichael Insurance for too many years to remember and I have always received great friendly service!I would highly recommend them for your insurance carrier for whatever purpose.
Jennifer Statford
23:28 15 May 25
Very knowledgeable and easy to work with. Looking forward to working with a proactive company.
Richard Walker
13:52 30 Apr 25
I was looking for another insurance agent and read reviews on agencies in the area and decided to call McMichael Insurance. I was very lucky to get Dennis. He was very helpful and took his time explaining things to me. I am very happy with my rates and coverage and the excellant service I have received. I told my son to call them because I was so impressed with the help and patience I received from Dennis.
Judy Davidson
17:06 27 Mar 25
I was looking for new insurance and I reached out to Dennis at McMichael Insurance and he helped me so much! He answered all of my questions and got me better insurance than what I previously had for a better price. Would highly recommend if you're looking for better insurance than what you have!
Michelle Bahle
14:21 26 Mar 25
The customer service is outstanding. Any time I’ve had a question or concern, I call them and my questions are answered. I recently was due for a redetermination of my auto and home owners’ insurance, and Nick found me a much better deal than I had been getting. Outstanding agency to work with
GINA HOLDERBAUM
13:17 26 Mar 25
Very imformative. Dennis made sure to really go over all our options. Bottom line, we got better insurance coverage and reduced our costs.
Clay Howard
13:27 25 Mar 25
Great experience
Joshua Wallace
00:46 22 Mar 25
Dennis McMichael was very knowledgeable and efficient in preparing our insurance package at a price that we were pleased with
John Wirsing
13:10 20 Mar 25
Great to work with!
Tom Berigan
23:48 06 Mar 25
Faith got me a much better deal on my home/auto. She was responsive and handled everything quickly
Shelli Lubecky
22:06 04 Mar 25
Great customer service. Trustworthy and goes the extra mile.
CaleHeintz
16:03 27 Feb 25
Dennis and his team were willing to shop around rates for me when I needed a lower rate due to reduced income and because of my clean driving record for several years. His dedication to making the effort to provide affordable auto insurance for me when I needed it is what is most important to me to retain my loyalty as a client since I am a new customer to this agency. I appreciate his efforts.
Sara Karides Phillips
14:11 25 Feb 25
McMichael Insurance was very thorough in making sure my business and home had proper coverage including Umbrella Policy. In the end I had more insurance coverage than my previous agency provided and the cost was less.
Mario Salwan (The Garage Finisher)
03:21 13 Feb 25
Excellent customer service, people skills, knowledge, and competitive rates. McMichael was able to lower my premium and the video provided with the quote explaining it all is top tier! Thank you!
M B
21:12 06 Feb 25
5 stars for clarity, communication, and incredible rates! From first reaching out, McMichael Insurance was incredibly helpful. Dennis made us a video explaining what our quote actually means. He was super quick to respond to our follow-up questions, adjusting our plan in real time it seemed. We are super happy with their rates and our bundled home & auto!
Ms. Harper
14:53 03 Feb 25
Get a Free Quote
More Options. More Savings.