Life Insurance

“People don’t buy life insurance because someone is going to die.  They buy it because others must go on living…”  Andy Gremel

The Gremel Group works with the wholesale marketplace to bring our clients custom tailored and competitive product solutions from the major insurance carriers.  Whether used to fund a business succession plan or a family estate plan, we have the products and underwriting experience required for any life insurance application.

Disability Income Insurance

Disability Insurance is perhaps the most important coverage a person will ever purchase.  From a financial perspective, a long term disability can be worse than a premature death because the insured is still living and generating significant expense.  The Gremel Group works with leading carriers to provide income protection coverage as well as business overhead expense and business Buy-Sell coverage.  Andy Gremel designed and implemented the Grand Rapids Bar Association Disability Income Insurance program.  The Gremel Group continues to provide disability insurance advice and counsel to attorneys and other professionals to this day.

Long Term Care Insurance

Long Term Care Insurance is coverage that will pay for assisted living, nursing home care or home health care in the event you are unable to care for yourself because of a chronic condition or disability.  According to the U.S. Department of Health and Human Services, 70% of those turning 65 will need some type of Long Term Care before they die.  The cost of care can bankrupt a family without proper planning.  The key is avoid waiting too long to address this issue.  We work with our clients to select products and carriers that fit within the budget and meet the needs of their families.

Estate Planning

Have you thought about everything and everyone that you will be leaving behind? Do you have special needs individuals in your family?  Who will make medical decisions for you if you are unable to act on your own behalf?  Do you have charitable intentions that are incomplete?  These are just a few reasons to talk with us about your Estate Plan.  Mr. Gremel is a member of the Probate and Estate Planning Section of the State Bar of Michigan who understands the need for proactive planning when it comes to managing one’s affairs.  Our network of practicing attorneys specializing in this area can be tapped to find the perfect fit for you and your family.  Anyone can sell you life insurance.  The key is having your coverage coordinated with the proper Estate Plan.

Health Insurance

Let’s face it.  Health Insurance is a major expense and the costs continue to rise.  Uninsured medical expenses are the number one cause of bankruptcy in the United States.  The Gremel Group represents the major health insurance carriers active in our region and we are also very active on the Market Place Exchange.  Your rates are the same whether you choose to implement through an agency or go it alone.  Why not have the experience of a professional health insurance agent to assist in designing coverage, shopping the marketplace and assisting with claims issues for the same price? We would be happy to help you with your medical insurance needs. If you or a family member prefer to pursue a quote on your own and learn more about the enrollment process with Health Sherpa, please click here.

Medicare Planning

For those people turning 65, health insurance coverage that coordinates with Medicare can be very confusing. We have the professional expertise, certifications, and products to help our clients navigate this potentially challenging segment of the insurance market. Our personal approach to educating and assisting eligible individuals in obtaining coverage is second to none. We believe it is critical to provide the tools to make informed, empowered decisions. Our Medicare Made Simple Guide is a great way to get started, along with completing and returning our fact finder form so we can better understand your coverage needs.

Please feel free to contact us by phone (616.560.8140) or email Tia@gremelgroup.com if you or your family and friends want to explore their options. Our advisory services are complimentary, plus we provide clients with year-round assistance with claims, annual network review and plan election assistance. We represent the carriers who can help you here in Michigan and in the warm weather locales of your choice.

Annuities

In addition to tax deferred growth, annuities are the only financial instrument that can guarantee you an income that cannot be outlived.  For this reason, annuities have a proper place in nearly every financial plan.  We work through a wholesale network that provides us access to the most competitive products offered by the most financially strong carriers.  Contact us if you would like to learn more or obtain an annuity quotation.

Short Term Medical Insurance

Are you between jobs or graduating from school and need health insurance?  The Gremel Group offers products designed specifically for these situations and we can often bind coverage on the same day we are contacted.  Don’t go uninsured.  Call us for a quotation. 

Home, Auto & Business

Looking for personal home, renters, pet, property, or auto insurance? 

For more than 30 years The Gremel Group has worked closely with the professionals at Glenn Morris and Associates to coordinate our clients’ insurance programs to meet their varying individual and commercial needs. We welcome the opportunity to help you coordinate your personal and commercial liability needs, or feel free to visit their website or call (616) 361-3400. Our Belmont and Grand Haven offices are located next to each other.