Want an experienced Group handling your insurance portfolio? With over 100 years of combined industry experience we have a vast array of product offerings to fit your needs.
“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.
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.
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? Let us help you with your medical insurance needs.
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 confusing segment of the insurance market. Our personal approach to educating and assisting seniors in obtaining coverage is second to none. Please contact us if you or your family members need help. We represent the carriers who can help you here in Michigan and also in the warm weather locales of your choice.
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.