Life Insurance

Life insurance can be an uncomfortable subject, but it’s a crucial form of protection that can make a huge difference in the financial health of your family.

 

Why Life Insurance is Important

Life Insurance is extremely important because there are many expenses that remain even after you’re gone. Children’s college, final expenses, mortgages, and other debt that need to be covered for your family to maintain their standard of living. Life Insurance is often called “Family Protection,” because it helps keep the family unit alive financially when tragedy strikes.

When deciding how much life insurance is needed, keep in mind that this is a financial safety net for your family. It’s not meant to cover every potential cost, but rather to help maintain the income you are providing each month.

For example, if you’re the breadwinner of the family with an after-tax salary of $4,000 per month, then consider buying enough life insurance to replace your income for the next 5-10 years. This provides a comfortable cushion for those you leave behind.

Life insurance can also be an investment; whole or universal life policies can build cash value over time, providing a tangible family benefit regardless of whether or not the policy is ever paid out.

Next Steps

If you’re thinking about buying life insurance, you probably have lots of questions. That’s totally normal. We can walk you through your options and help you settle on a policy that provides the protection your family needs at a price you can afford. Life insurance is critical, so don’t wait – click below and let’s get started.

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Great service and integrity.
John Mathers
John Mathers
Great insurance agent and very helpful!
Leanna Khemmoro
Leanna Khemmoro
Joe saved me money from day one and the customer service I have received is off the charts. I highly recommend Joe for all your insurance needs
B S
B S
Professional and friendly!!
Anthony Timko
Anthony Timko
Very patient
Cierra Reed
Cierra Reed
I have been working with Tony and Joe for over 5 years now. Tony is the most prompt, professional agent that I’ve ever had. He returns calls and responds to emails within minutes. If I need a document, it’s in my inbox before I even hang up. When they left State Farm, I waited for my policy to expire and then I followed Tony and Joe. I’m glad I did because they saved me even more money. Mind you, they are on the east side of the state, and I’m on the west side. I could find any agency for insurance, but I stay with Tony because of his great service. I would definitely recommend them to everyone.
liz detz
liz detz
The most responsive and professional agents I have ever dealt with. In my experience, they always find the best rates and reply to emails right away.
Wedgehead 101
Wedgehead 101
Joe always explains everything in detail which makes it easier. Purchasing insurance products can be stressful, but here, the process is smooth.
Y Har
Y Har
Joe is a pleasure to work with. He is always well prepared & efficient, and very pleasant!
Sheryl Yezzi
Sheryl Yezzi
Joe and Tony have always taken such good care of me. So friendly and professional!
Kayla MacDonald
Kayla MacDonald
When there is a change in policy pricing or coverage from the corporate office, Joe or his staff calls to explain the change in clear, easy-to-understand terms. The staff including Joe is very warm, professional and knowledgeable. We have been very happy with our service.
Sara Braverman
Sara Braverman
Every time I talk to Tony and Joe it's been a very positive experience. They always take the time to explain things thoroughly, so you can make an informed decision. They respond and take care of any issues very quickly.
Damir Sugar
Damir Sugar
State Farm agent Joe Halabicky and his staff are very professional, friendly and always willing to assist you with your insurance needs. Easy to communicate with, will work with you to ensure good quality and good value.
Dave Hylko
Dave Hylko
Absolutely GREAT products and service from this top notch insurance agency! Highly recommended!
Gregory Caswell
Gregory Caswell
Great customer service!! They helped me get the best deal!
leslie timko
leslie timko
Joe and Tony are awesome! They're are very friendly and caring. A couple of years ago my son was hit by a car (he doing alright now) and when I came in to discuss my policy, Joe was so compassionate and concerned about my son. I just found that so awesome and I'll never forget the sincerity and kindness he showed me during that time.
Latisha Williams
Latisha Williams
I LOOOOOOOOOOOOOOOOVE Tony and Joe!!!!!! They have taken care of me from the very first conversation we had! I live downriver and still choose my guys in Novi!
Danielle Baker
Danielle Baker
Joe and his team are awesome. Can't say enough how responsive they are for us! Highly recommend!
Rachel D'Amico
Rachel D'Amico
Joe and his team are the best agency I’ve dealt with. They are quick and courteous. I highly recommend them for your insurance needs
Steve Chevalier
Steve Chevalier
Great staff! Very helpful and friendly. I highly recommend Joe Halabicky and State Farm!
denise polasky
denise polasky
Customer for years and never any issues getting questions answered, return phone calls, competitive rates or documentation needed for banks. Saved a lot of money thanks to this office on home, auto and life insurance.
Kevin Kelly
Kevin Kelly
Joe and his staff have been fantastic in helping my family finding the right coverage. They are honest and timely. I would highly recommend this agency!
Lisa Nelson
Lisa Nelson
Joe and his office have always been super fast and accommodating to myself and my family. Which is greatly appreciated because most companies are not about customer service anymore, but they are.
amy marietta
amy marietta
Joe is a great person to work with and is just a genuinely nice guy. Joe helped take a water damaged kitchen and turn it into a quick and easy restoration. The kitchen and dining area is now even better than before! Oh and making sure I got a check promptly for the work done was great too...Thanks again Joe!
John Douglas
John Douglas
Treated well and they work hard for you
Greg Hartle
Greg Hartle
Joe and his team are extremely service oriented. Joe reviewed my coverage and made perfect recommendations for my family and our current life situations. His prices are extremely competitive yet give me better coverage than I had previously with another company. He's always prompt in answering my questions and genuinely concerned about the welfare of my families insurance needs. I always recommend him to friends, co-workers and family.On another note I would never have guessed that State Farm did mortgages. Joe handled a new mortgage for us this summer and we got the best interest rate and closing costs I could find with excellent service and expediting of our mortgage. Really great experience! Very thankful I gave them our business.
Pat Kopf
Pat Kopf
Joe assisted my family with multiple polices (auto, home, health) that protected us and made sense. He took the time to go over each policy and explain coverage details and why we should or should not have certain items in the coverage. We were able to save $ with Joe and put that toward other family expenses. Thanks Joe.If your not talking to Joe about insurance coverage or how he could customize a plan to suite your needs...your simply making a business mistake that could cost you $ and time. Be smart and let him help you with your insurance needs.
J.D. Concepcion
J.D. Concepcion
Joe helped my husband and I with our first home mortgage and he is our insurance agent. He's been very accessible and patient with us as new homeowners. I would definitely recommend him!
J Lee
J Lee

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