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 properly with an updated 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

At The Gremel Group, we believe it is critical to provide our clients with the tools necessary to make informed, empowered decisions across the full spectrum of health insurance options — regardless of age or circumstances.

For those turning 65, health insurance coverage that coordinates with Medicare is essential.  The Medicare system most likely is an unfamiliar option, and it can be confusing.

Consequently, in 2025, The Gremel Group expanded our long-term relationship with Platinum Benefits Advisors, a Michigan-based leader in Medicare and Individual Health Insurance consulting services.  Our expanded collaborative partnership enables us to best leverage Platinum Benefit’s collective production power to negotiate the most advantageous carrier contracts and competitive rates while delivering best-in-class services for our clients. 

Furthermore, for those Gremel Group clients who have enjoyed working with our former team member, Tia Huyser-Nielsen, they can continue doing so, as Tia transitioned to Platinum Benefit Advisors as part of this strategic alliance.  While Tia provides personalized, one-on-one guidance, she is supported by the experienced team at Platinum Benefit Advisors, ensuring clients always have access to the resources, expertise, and long-term support they deserve.

Feel free to give us a call (616-874-2200) to set up an appointment with Platinum Benefits or connect using this https://form.jotform.com/261605003254041 .

For our Gremel Group clients interested in hosting Medicare seminars, webinars, or 1:1 sessions for team members nearing the 65 year eligibility window, feel free to call us directly (616-874-2200) and we will make the arrangements for you.  Also, feel free to share our Medicare Made Simple guide with your team members. 

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. 

Life Settlements

Life Settlements allow individual and business policy owners to sell unwanted or unaffordable life insurance policies for a lump sum that is much higher than the cash surrender value.  This transforms an illiquid dormant asset into vital cash that can be redirected into better financial use.  The Gremel Group has close relationships with multiple parties in the settlement market and we can offer advanced planning that meets the challenges involved in unique business and estate planning situations.

Home & Auto

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

For more than 40 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.