Welcome to Michael S. Micheff & Associates:
Please take a few minutes to read the following information about what I’m able to offer you as a prospective, new, or existing client. I entered the insurance industry in early 1975 as a Prudential agent. As an Insurance Broker in today’s marketplace, I always keep my client’s best interest at the top of my list. Managing your insurance needs requires careful planning. I have teamed up with dedicated and honest professional insurance brokerage partners, contracted with the top insurance companies, and designed two websites to not only provide you with invaluable education, but also the ability to purchase coverage through the links provided. I am currently licensed to conduct sales of insurance in the states of Arizona, Illinois, Michigan, Ohio, South Carolina and Wisconsin.
Healthcare is today’s # 1 concern. Finding reasonably priced quality HEALTH INSURANCE is mine. I bring you the best in custom designed individual and group insurance. I’ve contracted with, Anthem, Arise, Blue Cross Blue Shield of AZ., IL., Cigna, Delta Dental, IHC Group, Mutual of Omaha of AZ, IL., MI., SC.,WI., Quartz, UnitedHealthCare, United Security Health & Casualty and WPS(Wisconsin Physician’s Service). These companies offer us the best available PPO (preferred provider organization), HMO (health maintenance organization) & HSA (health savings account) in the industry. I will design the appropriate plan for you, your dependents, and your business.
I am fully certified and offer my personal assistance in obtaining a subsidy (Premium Tax Credit) and Cost Sharing through the Federal Marketplace also known as “The Exchange”. I do this without charging a fee. Your premium would be the same whether you go direct to the Marketplace, the insurance company, or through a broker.
I offer assistance with plan selection and finding the premium that best fits your budget. I regularly place coverage with Blue Cross Blue Shield of Illinois. I will guide you and show you how to use each company’s Provider Finder to locate an in-network medical or dental provider. My goal is to make sure you don’t get back billed from an out-of-network provider.
I offer you one-stop shopping through my websites: www.EinsureYourself.Com(.Net) & www.EinsureYourTravel.Com(.Net). You can browse first and then contact me for personal assistance.
I offer both individual and group DENTAL & VISION plans. I’m contracted with Ameritas, Blue Cross Blue Shield, Cigna, Delta Dental, IHC Group, GPM, Mutual of Omaha, Nationwide, Renaissance (Morgan White Group), and UnitedHealthCare. The Vision plans that I offer to individuals include Davis, EyeMed and VSP.
I am certified in the Over-65 market for your MEDICARE SUPPLEMENT insurance needs. I represent Blue Cross/Blue Shield of Illinois and Mutual of Omaha and others. I’m confident that they will satisfy all of your insurance needs…In regards to Medicare (Part D) Prescription Drug Plans (PDP), I offer my assistance on how to use and select the best Medicare RX vendor by using: www.Medicare.gov. I also provide supplemental coverage for persons under age 65 who are covered by Medicare parts A and B. In regards to (Part C) Medicare Advantage plans, due to their limited nature, I do not recommend or offer them. Read my Simple Guide to Medicare as I see it ?
Regarding DISABILITY INSURANCE, please ponder the following: Your most important asset is not your home, your car, your jewelry or other possessions. It’s your ability to earn a living! Think about it: all of your plans for the future-your buying a home to putting your kids through college to building a retirement nest egg are based on the assumption you will continue to earn a paycheck until you retire. But what would happen if those checks stopped? That’s where disability insurance comes in. It provides an income to you and your family if you are unable to work because of illness or injury. If you plan for an unexpected interruption of income due to accident or sickness, you can ensure yourself peace of mind. Disability Income and/or Critical Illness insurance may be the solution to avoid financial disaster. If you’re a business owner, you have fixed business expenses that continue while you remain on disability. You can also purchase a Business Overhead Expense policy. Let’s talk and see what you qualify for.
I offer you the best in affordable term LIFE INSURANCE and permanent universal life, whole life, group life and accidental death benefit. I’ve contracted with AIG, American General, Banner, Genworth, Gerber, John Hancock, Legal & General, Lincoln National, Mass Mutual, MetLife, Midland National, Mutual of Omaha, North American Company for Life and Health Insurance, Ohio National, Oxford Life, Protective, Prudential, Transamerica, United Home Life These companies offer us a full array of rate guarantees to match your exact needs. They offer preferred health discounts, substantial non-smoker discounts, and preferred smoker discounts.
I can design a Life Insurance policy to fit any budget, accommodate any death benefit amount, and structure the exact amount of years that you would like to pay premiums for. I offer a universal life policy that has a level death benefit and no emphasis on cash value. It has a rider that guarantees the same level death benefit until age 100 when it becomes paid up and continues providing coverage until age 121 and the premium is guaranteed …
Through the use of Life Insurance, I can help you fund your buy and sell or stock redemption agreement, as well as all of your estate planning needs.
Think you can’t buy Life Insurance due to more serious health conditions? I have assembled a number of unique insurance companies that offer simplified issue term, whole life, and universal life policies. Depending on what you can qualify for, the full death benefit can begin from immediately to 2 years. They offer death benefits from $5,000 to $250,000. In addition, most of the companies do not require a para-medical examination or lab testing. These companies do ask medical questions !
If you are between ages 50 and 85, I offer a truly guaranteed last expense Death benefit from $1,000 to $25,000. No exams or medical questions asked. If Death occurs within the first two years, premiums plus 10% are refunded!
Long term care, whether received in a home care or nursing home setting, is another subject that is very important to address. As we age, LONG TERM CARE INSURANCE becomes more important. Who will pay for our future care? Who can we depend on to physically take care of us? I’ve teamed up with a couple of the most knowledgeable brokerage agencies in the Midwest to provide you with the products and knowledge necessary to bring you the latest in long term care insurance. Proper planning will allow you to take advantage of preferred health and couples’ discounts. Purchasing long term care early in life will result in lower premiums. I represent Genworth Life, John Hancock, Mutual of Omaha and Transamerica…
I continually strive to provide you with the best available products and service for all of your AUTO-HOME-BUSINESS insurance needs. Through my well-established Property and Casualty agency partners, I have access to the most reputable companies offering you the best coverage at competitive premiums. We will review your present coverage, discuss with you what your actual needs and concerns are, and find the best solutions for you. My partners and I, along with their staff deliver a very high level of service and responsiveness. We sell and service the following; Auto, Boat, Bonds, Business and Professional Liability, Homeowners, Legal, Liquor Liability, Property, Renters, Umbrella, and Worker Compensation. Please contact me when you receive your next renewal notice…
Regarding your PENSION needs, I believe in simplicity! I am not licensed to offer any investment type products as I do not hold a securities license. Instead, I offer you low risk; fixed and indexed annuities from a variety of insurance companies. They offer you a guaranteed rate of return and generate monthly income that you can’t outlive. Whether you have a certificate of deposit coming up for renewal, are contemplating retirement, need to roll over your present 401K or IRA plan, or need to take a required minimum distribution, please call me ? I will help you plan for your future. I represent American National, Great American, Guggenheim Life, North American, Ohio National, Oxford Life and Reliance Standard and others.
Please check out my continuously developing WEBSITES: www.EinsureYourself.Com securely links you to many of the major insurance companies for the online purchase of: Legal Shield, Identity Theft, Short Term & permanent Health, individual Dental and Vision insurance. www.EinsureYour Travel.Com, will link you to all types of Travel Medical and Trip Protection Travel insurance plans. In addition, many companies offer online applications, helpful information, and much more…There is also an education link to a not-for-profit life, long term care and health foundation.
In closing, I want to thank you for your loyalty and partnership throughout my insurance journey, some of you since the very beginning. I promise to continue bringing you the best that my industry has to offer and I will always be there for you in your time of need. Please don’t hesitate to contact me for any of your insurance-related questions, claims issues, and changes in general. Thanks for all of your referrals. As always, they’re deeply appreciated. I wish you a happy, well-balanced, and prosperous life. If you’re someone who enjoys fishing, please remember to practice catch, photo, and release – helping to preserve natural resources for our children…
Stay Well, Mike Micheff…
“IN TOUCH WITH YOUR REAL INSURANCE NEEDS SINCE 1975”