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Option Insurance Group is an independent Life and Health insurance agency based in Southfield, MI.

Business Income Protection Solutions

All business owners face serious risks to the stability of their businesses and financial well-being if they, or a key employee, become too sick or hurt to work without proper protection in place

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Group and Voluntary Benefits

Running a successful business takes time, strategy and hard work. You may find yourself designing or manufacturing products, working with vendors, helping customers or managing employees.

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Disability Insurance

Disability insurance is not ultimately about disability; it is about protecting a person’s or family’s financial future in the event of a disabling accident or sickness. If you are injured and off work for even three months, would you have enough in savings to cover your living expenses?

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Cash-Value Life Insurance

Cash-value life insurance is designed as a permanent form of life insurance that includes a death benefit component and a savings component. Cash-value savings can be accessed in many ways. With some types of policies, the cash value can be withdrawn.

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Long Term Care Insurance

Anyone who has had to provide care over a period of years will tell you that, without question, the overwhelming emotional and physical damage caused by providing that care took place at home. It had to and has to, because of the nature of extended care.

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Annuities were designed to be a reliable means of securing a steady cash flow for an individual during their retirement years and to alleviate fears of longevity risk or outliving one's assets.

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Medicare, Medicare Advantage, and Medigap. Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).

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Final Expense Insurance

Final Expense Insurance takes away the burden for those you care about. It covers the cost of your funeral expenses up to your desired limit. Final Expense insurance is really a very small life insurance policy, but it has much more flexibility and is more affordable than life insurance coverage.

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Term Life Insurance

Term Life Insurance. It would be great if we knew the date and time that we would pass away. Unfortunately, we do not. As a responsible citizen, you think of your family first, set a financial plan place in case they must survive without you.

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Children’s Whole Life Insurance

Children's Whole Life Insurance is whole life insurance protection that builds cash value to help your child or grandchild prepare for the future. The premiums never increase. You are the policy owner until the child reaches age 21, at which time the child becomes the policy owner.

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