Trusted coverage from Capitol Insurance Group in Lansing, Michigan.
Life Insurance
Overview
Life insurance is about protecting the people who depend on you. Capitol Insurance Group helps Lansing-area families and business owners find the right type and amount of coverage to secure their financial future, no matter what happens.
We work with multiple life insurance carriers to offer term, whole, and universal life options. Our specialist, Tom Castillo, provides a free needs analysis to help you determine exactly how much coverage makes sense for your situation.
Why Choose an Independent Agent
Life insurance products vary significantly between carriers in terms of pricing, underwriting criteria, and policy features. An independent agent can shop multiple companies to find the best fit for your health profile, budget, and long-term goals — something a captive agent simply can't do.
Common Coverage Options
✓Term Life (10, 20, 30 Year)
✓Whole Life
✓Universal Life
✓Final Expense / Burial
✓Key Person Insurance
✓Buy-Sell Agreement Funding
✓Disability Income
✓Group Life Benefits
Frequently Asked Questions
A common rule of thumb is 10-12 times your annual income, but the right amount depends on your debts, dependents, future obligations like college costs, and your spouse's income. We provide a free needs analysis to calculate your specific number.
Term life covers you for a set period (10-30 years) and is the most affordable option. Whole life provides permanent coverage with a cash value component but costs more. We help you decide which fits your goals and budget.
Yes. Different carriers have different underwriting guidelines, and some specialize in higher-risk applicants. As an independent agency, we can shop your case to find the most favorable terms available.
Even single individuals may benefit from life insurance to cover debts, fund a business succession plan, or lock in low rates while they're young and healthy. We can help you evaluate whether it makes sense.