Guardian Life Insurance in Farmington Hills, MI with Reviews -
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By: gsieders
Kevin Wallon Agency
Just called to have my account serviced and as usual I had the best service of any agency I've ever dealt with. I've worked with Kevin and team over the past two years with auto, home, RV and even picked up some life insurace and it's truly been a pleasure.
By: David C.
Kevin Wallon Agency
I would not recommend this agency. I came in the office last week to get an Insurance Quote for my Home and Auto. A man named Eric said he would be right with me. I waited for over an hour while he played with his IPhone, giggling and talking to someone. As I left he said, "Can I help You?". I said unequivocally "No Thanks". I went down the road to AAA and was served promptly!
By: mar.haley.5
Liberty Mutual Insurance
After cancelling my policy in August 2013, they continued to bill my payroll department and money continued to be deducted from my pay check. They then sent my account to collections. They sent it to collections before receiving all of the payments they billed my payroll for. Money was still being deducted from my pay roll check when I received my collections notification. Horrible customer service. They bill you and send a deduction notice to your payroll after cancelling a policy and still send the balance to collections. So glad I cancelled when I did. Will never do business with Liberty Mutual again!
By: enchantmentots
Al Bourdeau Insurance Agency
They are terrible! They have no customer loyalty, no interest in helping you resolve problems, and they just don't care. I would advise my best friend to NOT give these people their business. My dad passed away very recently, and instead of helping me to figure out how to handle his policies, they just kicked us right to the curb. NO effort AT ALL to help us out despite DECADES of being a loyal client. These folks are the most uncaring individuals I have ever dealt with, and that is not the attitude you want from your insurance agency.
By: sally2345
American Insurance Advisors
Jeff Pratt has been my family's insurance agent for over four years. He has offered excellent response and service to me and my wife whenever we needed him or had any questions.I refer friends and family to him whenever I have an opportunity and think of him of not only as my insurance provider but also as my friend.Sincerely,Arnold SimkusPresidentExpert Enterprises, Inc.Warren, Michigan586-260-3220
Tips & Advices
There are many different providers and plan types, so  shopping for life insurance can be complicated. The first step involves understanding the type and amount of life insurance you need. From there, use online tools or contact local insurance agents to get quotes on rates and learn about how to apply.
The cost of a life insurance policy is determined by two things: the guaranteed benefit amount and the individual risk of the policyholder. The latter is more complicated, and includes many  factors, including health, age, and  occupation. As of May 2017, a 30-year-old woman purchasing a 20-year, $250,000 term life policy can expect to pay about $141 per year. For comparison, a 60-year-old woman purchasing the same policy can expect to pay $1,033 per year. Since women have longer life expectancy on average than men, the latter can expect to pay slightly more. The same 20-year, $250,000 term policy will cost a 30-year-old man $156 per year on average.
Certain specialized policies may provide income replacement in the event of disability, disease, or another situation where it may be impossible to work and medical expenses are high. One common alternative is known as an “accidental death and dismemberment” policy. AD&D policies work similarly to term life plans, but will only pay out death benefits when a fatality is caused by an accident, or if the policyholder loses a limb or the ability to see or hear. Death from a heart attack or cancer, for example, is usually not covered by AD&D, but these policies might offer lower premiums than a standard term plan.
Many adults with children choose to buy a term life plan that covers them from the birth of a child until they turn 18, which is often the most cost-effective way to insure against the risk of income loss from unexpected death. While it  is possible to save enough cash or invest to provide even more funds in case of such an emergency, investing is subject to more risk of loss than a life insurance plan, and accumulating enough savings to provide a sizeable safety net can be difficult.
Whole life and universal life plans are each considered a type of “permanent life insurance.” Universal life is often similar in concept to whole life, but offers more flexibility in premium payments and cash withdrawals. For example, you might be able to temporarily pause or reduce premium payments at any time under a universal policy. It’s also often possible to borrow from what you’ve already paid into the plan or against a guaranteed death benefit in the form of a loan.

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