# Michigan Life & Annuity Agent | Integrity Solutions Agency > Mckenzi Bassage compares 11 carriers on life insurance and annuities across Michigan, Alabama, California and North Carolina. Free 30-minute call. Canonical page: https://bassageinsurance.com --- ## Protection for your family. Income for your retirement I'm Mckenzi Bassage. Because I'm independent, I can quote 11 top-rated carriers and bring you the two or three that actually fit. Plain answers, no sales pressure, and nothing it costs you to ask. - Independent, not captive - 11 top-rated carriers - Licensed in 4 states - NPN 22226132 ## Carriers compared Contracted with 11 top-rated carriers, including Ethos, John Hancock, Mutual of Omaha, Lincoln Financial, Oneamerica, Corebridge, North American, Allianz, Symetra, Fg, Foresters. ## Independent means you get choices No single company decides what you're offered. I price the same coverage with every carrier I'm contracted with and show you where the differences actually are. - **11carriers** quoted on every case - **4states** where I'm licensed - **30min** free call, no obligation - **$0** cost to you, ever ## What happens when you work with me? Three steps, no jargon, and nothing you have to decide on the first call. 1. **Tell me what you're protecting.** One short call is enough. I ask about your family, what you want the money to do, and what fits your budget each month. 2. **I run your numbers with 11 carriers.** Every company I carry gets a look, including how each one underwrites your health. You get back the two or three that fit, in plain words. 3. **You pick. I do the paperwork.** Application, underwriting, chasing the carrier: I handle all of it. And I'm still your agent long after the policy is issued. ## Life insurance and annuities Nine ways to protect the people who depend on you, or turn savings into income you can't outlive. Tap any one to see how it works. ## Mortgage Protection **The house stays in the family.** Mortgage protection is life insurance sized to your loan and timed to your payoff date. If you die, your family gets the money to keep the house. Many of these policies can also pay out if a serious illness or a disability stops your paycheck. Best for: New homeowners, anyone who just refinanced, and households where one income covers the mortgage payment. ### Is this the same as what my lender offered? No, and the difference matters. Lender coverage usually pays the bank and shrinks as your balance drops. What I write pays your family directly, they decide what to do with it, and the benefit doesn't have to shrink. ### I already have term life. Do I need this too? Maybe not. A term policy that's big enough already does this job. Send me what you have and I'll tell you honestly whether you're covered. A fair number of people already are. ### How much should I get? Enough to clear the loan is the floor. Many families add a year of household bills on top so the surviving spouse isn't forced into a fast decision. We build the number from your actual loan and budget. ### Does it cover disability or losing my job? Many policies can add riders that pay if you become disabled or are diagnosed with a critical illness. Job loss coverage is rare. I'll show you which riders your carrier options include and what each one adds to the premium. ### What does it cost? For someone in good health it usually prices close to regular term life. Age, health, loan size, and riders all move the number, and companies price this one very differently, so comparing really pays here. ## Term Life Insurance **The most protection your dollar can buy.** Term life covers you for a set number of years, usually 10, 20, or 30, at a price locked in for the whole stretch. If you die during those years, your family receives a tax-free check they can put toward the mortgage, the monthly bills, or college. Best for: Parents with kids still at home, homeowners carrying a loan, and anyone who wants the largest benefit for the smallest payment. ### What does term life cost each month? A healthy 35-year-old can often lock in $500,000 of 20-year coverage for less than the cost of dinner out. Your price comes down to age, health, and how much coverage you want. I quote all 11 of my carriers so you see the real range instead of one company's number. ### What happens when the term runs out? You usually have two choices: renew it year by year at a higher price, or convert it to permanent coverage with no new health questions. I set the length up front so it ends around the time the mortgage and the college bills do. ### Will I have to take a medical exam? Often, no. Several of my carriers approve healthy applicants on an application and a phone interview alone. I tell you before you apply which companies can skip the exam for someone your age and health. ### How much coverage should I buy? A quick rule is 10 to 12 times what you earn in a year, plus whatever is left on the mortgage. I would rather build that number from your actual bills and goals than hand you a multiplier and call it done. ### Is term better than whole life? They do different jobs. Term buys the biggest benefit for the least money, but it ends. Whole life costs more and never ends. Plenty of families own both: a large term policy for the working years and a small permanent one for everything after. ## Whole Life Insurance **Coverage with an expiration date of never.** Whole life stays in force your entire life. The premium is set on day one, the death benefit is guaranteed, and part of every payment builds cash value you can borrow against down the road. Best for: People who want coverage that can't run out, a guaranteed savings piece alongside it, or a clean way to leave money behind. ### Is whole life worth the higher premium? It depends on the job you need it to do. If you want money there no matter when you pass, plus cash value you can tap along the way, whole life earns its cost. If you only need coverage for the next 20 years, term is cheaper. I price both and let you compare. ### Can I take money out of the policy? Yes. Once cash value builds up you can borrow against it without a credit check and usually without a tax bill. There is no fixed repayment schedule, though anything you don't pay back comes out of the death benefit. ### How does the cash value build? A slice of each premium goes into an account earning a guaranteed rate, and it grows tax-deferred. Several of my carriers pay dividends on top of that, though dividends are never guaranteed. The early years are slow; the later years are where it adds up. ### Can my premium go up later? No. With a traditional whole life policy, the payment you start with is the payment you keep, no matter how old you get or what happens to your health. ### Can I own term and whole life at the same time? Yes, and it is often the smartest setup. A large term policy carries the mortgage-and-kids years while a smaller whole life policy handles final costs and whatever you want to pass on. ## Final Expense Insurance **So the funeral bill never lands on your kids.** Final expense is a small whole life policy, usually somewhere between $5,000 and $50,000. It's built to cover the funeral, the last medical bills, and small debts. Approval is simple, the premium never rises, and the coverage never expires. Best for: Seniors, anyone on a fixed income, and people with health conditions who've been turned down for larger policies. ### Can I qualify with health problems? Usually yes. Most of these policies ask a handful of health questions and skip the exam entirely. Even with serious conditions there are guaranteed-issue options. I start with the strongest plan your health can qualify for and work down from there. ### What does a funeral actually cost? A burial service in the United States commonly runs $8,000 to $10,000 before you add the cemetery plot. Sizing a policy to what you actually want means nobody has to find that money inside of a week. ### What will it cost me per month? Most of my clients land somewhere between $30 and $90 a month based on age, health, and coverage amount. The same person can be quoted very differently by two companies, which is exactly why I check several. ### Is there a waiting period? If your health qualifies you for level coverage, you're protected from day one. Guaranteed-issue plans that ask no health questions usually wait two to three years. I always try for day-one coverage first. ### How is this different from regular life insurance? It's the same idea in a smaller package: a permanent policy with simple approval, meant for end-of-life costs rather than replacing decades of income. ## Who is Mckenzi Bassage? I'm Mckenzi Bassage, and I own Integrity Solutions Agency. Being independent means no company gets to tell me what to sell you. I work with families on two things: life insurance that protects the people counting on them, and annuities that turn savings into income they can't outlive. My job is to lay out the options in plain words and let you decide without anyone leaning on you. I'm based in Michigan and licensed in Alabama, California, Michigan, and North Carolina. Most of my clients and I never meet in person, since a phone call or a Zoom is usually all it takes. **Licenses & qualifications** - Licensed in: Alabama, California, Michigan, North Carolina - National Producer Number: 22226132 - Independent agency, not tied to one company - Contracted with 11 top-rated carriers **Why clients choose me** - Every carrier I carry gets quoted, not just one - Straight answers, and nobody pressures you - Quick quotes and a process I walk you through - I'm still your agent after the policy is issued ## What do clients say? A few notes from people I've helped sort this out. > “She lined up several companies for me and never once pushed. I actually understand my policy now, and I am paying less than I was.” - Maria S., Term life client > “Patient and completely straight with me. She told me one of the products I asked about was not right for my situation. That is when I knew I could trust her.” - David R., IUL & annuity client > “One short call and my family was covered. No pressure at any point. I have already sent two friends her way.” - Angela T., Final expense client ## Book a Free Consultation Pick a time that suits you. Bring your questions and we'll walk through the options together. If I'm not the right fit for what you need, I'll say so and point you somewhere better. Booking: https://calendly.com/mbassage-isa/30min ## Frequently asked questions Choose a topic. Plain answers, no jargon. ### Does it cost anything to work with you? No. The carrier you choose pays me, and your premium is exactly what it would be if you had gone straight to the company. What you get for free is someone comparing 11 of them instead of selling you one. ### How fast can I be covered? Some no-exam policies come back approved within a few days, occasionally the same day. Fully underwritten policies usually take two to six weeks. On our first call I can tell you which path fits your health and your timeline. ### Do I have to take a medical exam? Often not. Many of my carriers approve healthy applicants with no exam at all. When one is required it's free, takes about twenty minutes, and someone comes to your home to do it. ### I have life insurance at work. Is that enough? It's a good start, and it usually disappears the day you change jobs. Most group plans also cap out around one or two times your salary. A policy you own follows you anywhere. Send me what you have and I'll tell you honestly whether you already have enough. ### Where are you licensed? I'm licensed in Alabama, California, Michigan, and North Carolina, and I'm based in Michigan. Nearly everything we do happens by phone or on Zoom, so where you sit inside those states makes no difference. ## Ready to get this off your list? Book a free call and get straight answers. Nothing to fill out, nobody pressuring you, no obligation at the end. - Free 30-minute call - 11 carriers compared for you - $0 cost to work with me ## Contact - Email: mbassage.isa@gmail.com - Phone (call/text): (279) 289-6258 - Licensed in: California, Georgia, Texas - Book a call: https://calendly.com/mbassage-isa/30min --- Insurance products are offered through licensed insurance professionals. Product availability, features, and riders vary by state and carrier. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. This website provides general information only and is not financial, tax, or legal advice. Powered by [Launch Automation](https://launchautomation.ai/websites)