Mortgage Protection
Term life insurance that can pay off your home if you pass away, so your family can stay in the house. Many plans include living benefits for serious illness.
Learn about mortgage protection →Wayne, Michigan · Life Insurance · Final Expense · IUL · Medicare
Peace of mind for your family is only a phone call away.
We shop highly rated carriers that insure millions of Americans and explain your options in plain English, at your kitchen table or ours. No pressure, no cost for our help.
- Licensed in Michigan and additional states
Protecting what matters most
Final expense, life, and Medicare plans from the carriers Michigan families trust.
Peace of Mind
Highly rated, state-regulated carriers that insure millions are available at your fingertips.
We Listen
Clients told us what they like and dislike most about insurance. We listen and deliver.
Tailored Coverage
Experts in life and health insurance. We know what is available and what fits.
How we can help
Insurance for Michigan families at every stage of life
Final Expense
Whole life coverage from $5,000 to $50,000 to pay funeral, burial, or cremation costs so your family is not left with the bill. Many plans need no medical exam.
Quote final expense →Life Insurance
Term and whole life to protect your income, mortgage, and the people who depend on you. Coverage from $25,000 to $10 million.
Quote term life →Medicare
Medicare Supplements, Medicare Advantage, and Part D drug plans. We help you compare costs, doctors, and prescriptions before you enroll.
Quote Medicare Supplement →Hospital Indemnity
Cash paid directly to you for hospital stays, helping cover deductibles, copays, and everyday bills while you recover.
Ask about hospital plans →Instant insurance quoter
See your estimated rates in seconds
Choose a plan type, answer a few questions, and compare estimated monthly rates from our carriers.
We do not offer every plan available in your area. Currently we represent 5 organizations (Aetna, Humana, UnitedHealthcare, Molina Healthcare, and Devoted Health) which offer Medicare plans in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048), or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Rates shown are estimates for illustration only, based on typical pricing for your age, gender, and tobacco use. They are not an offer of coverage. Final premiums depend on underwriting, health history, plan availability in your area, and carrier approval. Michigan Benefit Services does not offer every plan available in your area. Contact 1-800-MEDICARE (TTY 1-877-486-2048) or Medicare.gov for information on all of your options.
Mortgage protection
Keep your family in the home you worked for.
Mortgage protection is term life insurance matched to your mortgage. If you pass away during the term, the policy pays a tax-free death benefit to your family, who can use it to pay off the mortgage, keep up payments, or cover other bills. The money goes to your family, not the bank, so they decide how to use it.
- Coverage matched to your loan: choose a 10, 15, 20, 25, or 30-year term to fit your mortgage
- Level premiums: your rate stays the same for the whole term
- Living benefits: many plans let you access part of the benefit for a terminal, chronic, or critical illness
- Return of premium options: some plans refund premiums if you outlive the term
- Simple approval: many plans need no medical exam
Mortgage protection is life insurance. It is not issued by or connected with your lender or any government agency. Benefits, riders, and availability vary by carrier, state, and underwriting.
Just bought a home?
Mortgage protection is worth a look if you:
- Have a spouse, children, or family who depend on your income
- Would leave your family unable to make the payments
- Want coverage that goes to your family, not the lender
- Want protection if you become seriously ill
- Recently bought, refinanced, or took out a home equity loan
Indexed Universal Life (IUL)
Lifetime protection with cash value that can grow.
An IUL is permanent life insurance that protects your family for life and builds cash value linked to a stock market index, such as the S&P 500, without investing directly in the market.
- Growth potential: cash value earns interest based on index performance, up to a cap
- Protection from losses: a 0% floor means market drops do not reduce credited interest below zero
- Tax advantages: cash value grows tax-deferred, and you may access it through policy loans and withdrawals
- Living benefits: many plans let you use part of the death benefit for chronic, critical, or terminal illness
- Flexible premiums: adjust what you pay as your life changes
IULs are not investments in the stock market. Caps, participation rates, fees, and charges apply. Policy loans and withdrawals reduce the cash value and death benefit and may cause the policy to lapse. Guarantees depend on the claims-paying ability of the issuing carrier. Ask for a carrier illustration for your exact numbers.
Is an IUL right for you?
An IUL can be a good fit if you:
- Want coverage that lasts your entire life
- Want tax-advantaged cash value you can access for retirement or emergencies
- Want to leave a tax-free benefit to your family
- Have already maxed out or want to supplement a 401(k) or IRA
- Are a business owner planning for key-person or buy-sell coverage
Medicare explained
Turning 65? Here is the simple version.
Medicare has four parts, and the choices can feel overwhelming. We sit down with you, review your doctors and prescriptions, and explain your options clearly before you choose.
Book a Free Medicare ReviewWe do not offer every plan available in your area. Currently we represent 5 organizations (Aetna, Humana, UnitedHealthcare, Molina Healthcare, and Devoted Health) which offer Medicare plans in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048), or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
- Part A
- Hospital insurance: inpatient stays, skilled nursing, and hospice.
- Part B
- Medical insurance: doctor visits, outpatient care, and preventive services.
- Part C
- Medicare Advantage: private plans that combine A and B, often with drug, dental, and vision benefits.
- Part D
- Prescription drug coverage offered by private insurance companies.
Plain-English guide
Term vs. whole life insurance
Term Life
- Covers you for a set period: 10, 20, or 30 years
- Lowest cost for the most coverage
- Ideal to protect a mortgage, income, or young family
- No cash value
Whole Life & Final Expense
- Covers you for your entire life
- Premiums never go up
- Builds cash value over time
- Ideal for funeral costs and leaving a legacy
Meet our principal
Ali El-Hallani
Principal & Licensed Insurance Professional · Life, Accident & Health · NPN 20524786
As the principal of Michigan Benefit Services and an independent insurance professional, I work for you, not for one insurance company. That means I can compare plans from many carriers and help you find coverage that fits your health, your budget, and your goals.
Our team of licensed insurance professionals serves families in Wayne, Westland, Dearborn, Dearborn Heights, Canton, Garden City, Inkster, Romulus, Taylor, and across Michigan from our office on South Wayne Road. Whether you are turning 65, protecting your family, or planning ahead for final expenses, we will take the time to listen and explain everything clearly.
Schedule a VisitState-regulated, highly rated companies
Carriers we represent
Featured Carrier
Polish Falcons of America, a fraternal benefit society offering whole life coverage to members and their families.
Careers
Join our team of insurance professionals.
Michigan Benefit Services is growing, and we are inviting licensed life and health insurance professionals, and motivated people ready to get licensed, to build a career with us.
- Top-level commissions on life, final expense, and health products
- Salary available for qualified team members
- Fresh, free leads so you can spend your time helping clients, not buying leads
- Street-level commissions on Medicare Advantage
- Contracts with highly rated carriers, training, and support from the principal
Contact us today
Call, text, or stop by the office.
Office: 734.827.9990
Email: michiganbenefitservice@yahoo.com
4884 South Wayne Road
Wayne, Michigan 48184