Life Insurance and Long Term Care
Choose The Right Coverage

Life Insurance

Zimmer and Associates knows that all policies are not created equal nor are the insurance companies that stand behind your policies. It is our job to find the best protection and value that suits your individual needs. 

We are an independent agency so we work with multiple companies to see what policy is best for you at the best price. 

The right life insurance policy lives alongside you, giving you options for protection and opportunities to grow as your life changes and priorities shift.It can help you protect your loved ones, keep your hard-earned savings secure, provide supplemental income when you need it, and help reduce your taxes.

The types of life insurance
policies we offer include:

You can apply for a term life insurance policy lasting up to 40 years. Premiums are locked in for the life of the policy, and you may convert to permanent coverage at a later date.If you need life insurance quickly, we can get a policy that can go into effect on the same day. This also means we can get you insurance with no-medical exam. That is not a misprint, physical, blood draw, or urine sample.

These policies are life insurance and investment products rolled into one.If you want life insurance that won’t die before you do, consider a whole life insurance policy. It’s the most common form of permanent life insurance. Whole life insurance is a type of permanent life insurance that offers lifelong coverage and level premiums, which means you’ll pay the same amount each month. These policies double as investment products. When you pay your premium, a portion is invested to give your policy a cash value, which grows at a fixed rate set by your insurer — typically 1.5% to 3.5%, according to Consumer Reports. This sets whole life insurance apart from other permanent policies, which don’t guarantee returns. Once you’ve accumulated enough cash value, you can start taking out loans against your policy. And when you die, your beneficiaries will receive a tax-free payout.

is a type of permanent life insurance that pays interest based on the movements of the stock market. It’s a subset of universal life which means policyholders can change payments and benefits as needed.
The cash accounts tied to an indexed universal life policy can grow quickly, but they can also see years without any growth. Eventually, you may even grow the account to the point you can stop making premium payments.
All of these benefits come with risks. Indexed universal life is complex, subject to shifting fees, returns and benefits.

If you need life insurance that lasts your lifetime, builds cash value and offers flexibility in payments and benefits, universal life could be the right choice. Unlike term life, universal life insurance doesn’t expire — it covers you until death. And unlike whole life, you’ll earn market-based interest on your cash value account. With more control comes more responsibility. If that doesn’t sound like a burden to you, universal life can be a good choice.

Variable life insurance is a type of permanent life insurance with a flexible death benefit — the amount paid when you die.

Variable universal life insurance, often called VUL, has a similar flexibility in its death benefit, while also offering adjustable premium payments.

Both types of insurance rely on mutual fund-like investments that you choose. That means more risk and more potential for growth compared with other permanent insurance options, like whole life or universal life .Like all permanent life insurance, variable life and variable universal life policies come with a cash account funded by premium payments. You send in a check, your cost of insurance and other fees are taken out and the rest is deposited in your cash account.

With any “variable” policy, you’ll be able to invest that cash as you see fit — with some limitations. Your insurance company will let you know your options, and then you can choose based on your investment strategy.

If these investments do well, you’ll increase the death benefit payable to your beneficiaries when you die. If not, the insurer will pay any minimum guaranteed death benefit, as long as you’ve made all your required premium payments. Keep in mind, variable universal products often don’t come with a guaranteed death benefit.

If you’re thinking about buying either variable version of life insurance, make sure to understand the risks and policy structures before making a purchase.

Long Term Care Insurance

Life Insurance with Asset Based LTC Benefits
A staggering 70% of the population will need some form of long term care. The average cost for a long term care facility is approximately $5,000 a month and the average stay in a facility is 2 years. This equates to the average person will spend $120,000 in long term care. If you are married then you double that number, so now the household cost is $240,000. How do you protect yourself from this risk?

Long Term Care Insurance can be purchased for a single person or two people with benefits available for both. Premiums can never increase and your benefits cannot change. Since it is built on life insurance, your policy’s death benefit goes to your beneficiaries if you don’t use it for long-term care. What does this mean to you? These life insurance policies are written where if you do not go into a long term care facility, it is a life insurance policy so you are not wasting money on a policy you won’t ever use. Either you pass away and it is a life insurance policy, or you use the Long Term Care aspect of the policy and it pays the bills for all your long term care needs.

When you cannot perform two of the following activities of daily living: bathing, dressing, eating, continence, toileting, transferring or if you have cognitive impairment (such as Alzheimer’s disease)
You can choose protection for a specific number of months or get extended, guaranteed lifetime benefits as an option.A broad range of qualifying long-term care expenses means you can receive care in your home, use adult day care facilities or stay at a nursing home or assisted living facility. Covered care also includes qualifying hospice care, respite care, caregiver training and supportive equipment.

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Why Choose Us

We Provide Answers To The What If's in Life.

Not only do we have insurance products, but we can also advise you about any financial needs you may have. This can range from individual planning like social security planning, or how to manage your personal 401k.

Lastly, we can take care of you business owners as well. We can set you up with employee benefits that will reduce employee turnover and increase the number of job applications and also get you higher quality applicants. These benefits can range from Group Health Insurance, Group Life and Disability, and 401k plans.

There is an insurance agency on every corner, of every main road, in every town. So what makes us different? We don’t just give you the same cookie cutter Health Insurance, Life insurance, or Medicare Supplement, for everyone who walks in the door. We meet with you and learn what is most important to you, THEN personalize the product that satisfies those needs. Having over 60 years of knowledge and an established culture of excellent customer service, it proves Zimmer and Associates Insurance is a top tier company that will not leave you disappointed.

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Questions & Answers

Ask yourself This...

There are many questions our clients have asked over the years and we love to hear from them, if you have any questions please look to your right or below to see if they may be answered already. 

If not, please reach out to us as we would be more than happy to answer any question or concern you may have. 

That’s the most important question to our team.

Our team needs to know where you are to help you get where you want to go.

There’s rarely one way to get from Point A to Point B. We provide the pros and cons for each scenario and helps you make a retirement income plan for your individual situation. Our team gives you the tools. It’s your job to make the decisions.

Everything leads up to this point. You have to execute on what you agreed on with our team or nothing happens. We will encourage you to follow through, stick to your retirement income plan, and keep making progress toward your goals.

Change is constant. As times evolve, so might your needs. Our team will work with you to update your retirement income plan as needed, to analyze new information, and to make sure you’re happy with your services and products.

Allow Us To Help

Reach out.

We’re standing by to listen to your dreams, to evaluate and create, or even reimagine a plan so you feel like you’re doing everything you can to reach the goals you deserve.

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Reese Location

9839 Saginaw St Reese, MI 48757

Contact Us



Contact Us

Reese Location

9839 Saginaw St Reese, MI 48757

Contact Us