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Peace of Mind Life Insurance Products in Jenison, MI & Surrounding Areas

Life insurance is a vital financial tool designed to provide peace of mind and security for you and your loved ones. At The Lukaart Agency, we understand that life is full of uncertainties, which is why we offer a variety of life insurance products tailored to meet your unique needs and budget. Serving Jenison, MI, and communities throughout Michigan, our goal is to help you protect your family’s future and financial well-being.

What Is Life Insurance & Why Is It Important?

Life insurance is a contract between you and an insurance company that pays a designated beneficiary a sum of money upon your death. This financial safety net can help cover expenses such as funeral costs, mortgage payments, education funding, and day-to-day living expenses. In essence, life insurance provides financial protection to your loved ones when they may need it most, helping to maintain their standard of living during difficult times.


Having life insurance is especially important if:

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You have dependents who rely on your income.

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You want to cover outstanding debts or mortgages.

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You wish to leave a financial legacy or support charitable causes.

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You want to secure your family’s financial future in case of unexpected events.

Types of Life Insurance We Offer

At The Lukaart Agency, we provide a range of life insurance products that give you flexible options to protect your family while fitting your budget and goals. Our experienced agents will help you understand each type and select the right coverage for your needs.

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Term Life Insurance

Term life insurance offers coverage for a specific period, such as 10, 20, or 30 years. It provides a death benefit if you pass away during the term of the policy. Term life insurance is often the most affordable option and is ideal for those seeking coverage to protect income during critical years, such as raising children or paying off a mortgage.

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Whole Life Insurance

Whole life insurance provides lifelong coverage as long as premiums are paid. This policy includes a cash value component that grows over time and can be borrowed against or withdrawn. It offers financial protection and a savings element, making it a popular choice for those seeking long-term security and estate planning opportunities.

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Universal Life Insurance

Universal life insurance is a flexible, permanent policy that combines a death benefit with a cash value account. Policyholders can adjust premium payments and death benefits over time to accommodate changing needs. This option is suitable for individuals wanting customizable coverage with the potential for cash value growth.

Other Specialized Life Insurance Options

Depending on your situation, we also offer additional life insurance products such as Guaranteed Issue life insurance, designed for those who may have difficulty qualifying for traditional policies, and Survivorship life insurance, which covers two lives and is often used for estate planning.

Why Choose The Lukaart Agency for Life Insurance?

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Personalized Service:  We take the time to understand your unique situation and goals to recommend the best life insurance solution for you.

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Trusted Expertise:  Our knowledgeable agents stay up-to-date with the latest insurance products and regulations in Michigan.

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Competitive Pricing:  We help you find affordable coverage options without compromising quality and protection.

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Local Commitment:  As a locally owned agency, we are dedicated to serving the Jenison and Michigan communities with integrity and care.

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Frequently Asked Questions About Life Insurance

  • What factors determine my life insurance premium?

    Your premium is influenced by several factors, including your age, health, lifestyle, the amount of coverage you choose, and the type of policy. Smoking status and pre-existing medical conditions can also affect your rates. Our agents will help you find the most affordable option based on your individual circumstances.

  • How much life insurance coverage do I need?

    The amount of coverage needed varies depending on your financial obligations, income, debts, and the needs of your dependents. A common rule of thumb is to have coverage that is 7 to 10 times your annual income, but we recommend a personalized consultation to determine the best amount for your specific situation.

  • What is the difference between term life and whole life insurance?

    Term life insurance provides coverage for a set period and pays a benefit only if you pass away during that term. It is usually more affordable. Whole life insurance offers lifelong protection, builds cash value over time, and typically has higher premiums but includes a savings component.

  • Can I change my life insurance policy if my needs change?

    Many life insurance policies, especially universal life, offer flexibility to adjust coverage amounts and premium payments as your life circumstances change. Term policies can sometimes be converted to permanent policies. Our agents will guide you on the options available to you.

  • When does life insurance pay out the death benefit?

    The death benefit is paid to your designated beneficiaries upon the insured person’s death, once the claim has been processed and approved by the insurance company. This payout can help cover expenses, debts, and future financial needs.

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Secure Your Family’s Future Today

Life insurance is one of the most important investments you can make for your family’s financial safety. Contact The Lukaart Agency today to learn more about our life insurance products and receive a personalized consultation. Let us help you find the right coverage to protect what matters most. Call us at 616-532-4090.