IUL agents in Michigan
33 verified specialists licensed to write in Michigan.
Michigan agents are licensed by the Department of Insurance and Financial Services. Michigan's auto insurance rules are unlike any other state's, and the Detroit and Grand Rapids markets differ sharply from the Upper Peninsula in provider access. The agents on this page hold an active Michigan license and can write for residents statewide.
License VerifiedLicensed since 2019My name is Amy Hernandez. I’ve been helping people with their insurance needs since 2019.
- Health
- Life
- Annuities
- +3 more
License VerifiedLicensed since 2014Insurance can feel complicated. My goal is to help you understand your options and feel confident about your next step.
- Health
- Life
- Annuities
- +3 more
License VerifiedLicensed since 2016I am a licensed Health/Life/Medicare Advisor in several states, serving individuals and families across the country.
- Life
- Final Expense
- Mortgage Protection
- +3 more
License VerifiedLicensed since 2026As an independent insurance broker, I work for one person only: you.
- Health
- Group Health Plans
- Life
- +3 more
License VerifiedLicensed since 2015I’m Daniel O’Connell, an independent health and life insurance broker based in Houston, Texas.
- Life
- Final Expense
- Medicare
- +3 more
License VerifiedLicensed since 2025- Health
- Annuities
- Life
- +4 more
License VerifiedLicensed since 2018- Life
- Final Expense
- Mortgage Protection
- +3 more
License VerifiedLicensed since 2016Garron T.
- Life
- Final Expense
- Mortgage Protection
- +3 more
License VerifiedLicensed since 2021**Optima Insurance Partners** is your trusted resource for insurance and employee benefits.
- Health
- Group Health Plans
- Life
- +2 more
License VerifiedLicensed since 2020Jesse Stamm is the founder of Optimum, an Orlando-based independent insurance agency serving families in all 50 states.
- IUL
- Life
- Final Expense
- +3 more
License VerifiedLicensed since 2022- IUL
- Life
- Final Expense
- +2 more
License VerifiedLicensed since 2021- Life
- Final Expense
- Mortgage Protection
- +3 more
License VerifiedLicensed since 2020At Fambuli Insurance Services, we believe insurance should start with a conversation—not a product.
- Life
- Final Expense
- Mortgage Protection
- +3 more
License VerifiedLicensed since 2017I could take this space to tell you all about me and why I love helping clients. But that’s probably not important to You.
- Life
- Final Expense
- Health
- +2 more
License VerifiedLicensed since 2021- Life
- Final Expense
- Mortgage Protection
- +3 more
License VerifiedLicensed since 2019As a mother, wife, and business owner, Patty understands the importance of protecting loved ones.
- Life
- Final Expense
- Mortgage Protection
- +3 more
License VerifiedLicensed since 2015- Life
- Final Expense
- Health
- +3 more
License VerifiedLicensed since 2023Licensed Life & health Insurance agent since 2023. Specializing in Medicare health, and ancillary products.
- Health
- Medicare
- Life
- +4 more
License VerifiedLicensed since 1990I spent 21 years in education and simultaneously had an insurance license for 30 years.
- Health
- Group Health Plans
- Life
- +4 more
License VerifiedLicensed since 2024- Health
- Group Health Plans
- Life
- +4 more
License VerifiedLicensed since 2020- Life
- Final Expense
- Mortgage Protection
- +3 more
License VerifiedHi, I’m Varonica Grills, a nationwide health, life, and annuity broker.
- Life
- Final Expense
- Mortgage Protection
- +3 more
Amanda Lunsford
Licensed in 34 states
License VerifiedLicensed since 2019Hello! My name is Amanda Lunsford and I would love to assist you with all of your Health, Life and Dental Insurance needs.
- Life
- Final Expense
- Mortgage Protection
- +2 more
- License VerifiedLicensed since 2018
Protecting your family, health, home, income, and financial future—without the insurance confusion.
- Health
- Group Health Plans
- Life
- +5 more
License VerifiedLicensed since 2018- Life
- Final Expense
- Mortgage Protection
- +2 more
- License VerifiedLicensed since 2024
I’m passionate about helping individuals and families find life, health, and Medicare coverage that fits their needs.
- Health
- Medicare
- Life
- +4 more
License Verified- Life
- Final Expense
- Mortgage Protection
- +4 more
License Verified- Life
- Final Expense
- Mortgage Protection
- +4 more
License Verified- Life
- Final Expense
- Health
- +1 more
- License Verified
- Life
- Final Expense
- Mortgage Protection
- +5 more
Indra Estivariz
Licensed in 16 states
License Verified- Life
- Final Expense
- Mortgage Protection
- +2 more
Jose Preciado
Licensed in 8 states
License Verified- IUL
- Life
- Final Expense
- +5 more
Melissa Lang
Licensed in 9 states
License Verified- Mortgage Protection
- Health
- Annuities
- +3 more
What IUL cover actually does
Indexed universal life is a kind of permanent life insurance. It is built to last your whole life as long as it stays funded, and it builds cash value you can borrow against.
Part of that cash value earns interest based on a market index. A floor means a bad year in the index does not reduce the interest credited, and a cap limits how much can be credited in a good year. Policy fees and the cost of insurance still come out of the cash value, so how the policy is funded matters.
Read the full IUL guide →