Expect the best, but prepare for the worst with insurance

Community Life Agency: Your Shield Against Life's Uncertainties

We simplify the insurance process, provide customized coverage that perfectly aligns with your unique requirements, and protect what matters most. Trust us to be your shield against life's uncertainties.

6 Major benefits of working with an independent agent

We work with multiple insurance companies.

We work with different insurance companies that offer a wide variety of coverage options and price points


We are licensed professionals

We are licensed experts and can explain the complexities of insurance in simple terms, helping you make smart decisions


We work for you and will be your advocate

We are your agent and your advocate working with the insurance company on your behalf


We offer a wide variety of insurance solutions

We offer one-stop shopping we can often meet all of your insurance needs as we work with multiple insurance companies


We are your lifelong consultants

We are connected for a lifetime and we are happy to periodically review your coverage

Quality service and expert care for your insurance needs at Community Life Agency

Welcome to Community Life Agency! We are your go-to source for life insurance and mortgage protection. Our focus is on providing you with the best protection for your personal and financial future. Trust us to be your partner in securing a bright and secure tomorrow.

At Community Life Agency, we believe in building long-lasting relationships with our clients. We understand that insurance can be confusing, so we've made it our mission to simplify the process and provide you with the coverage you need. Our team of experts is dedicated to helping you find the right solutions to fit your unique needs.

We are proud to partner with only the top-rated insurance carriers in the industry. This ensures you receive the best coverage backed by a reputable and reliable company. In addition, our advisors are knowledgeable, experienced, and committed to providing you with the personalized attention and service you deserve.

At Community Life Agency, we are committed to excellence in everything we do. We aim to ensure you have the protection you need, so you can focus on what matters - living your life to the fullest. So why wait? Get in touch with us today, and let us help you secure your future.

We are experienced, reliable and professional.

Experience the difference with Community Life Agency - where our commitment to quality service and expert care sets us apart. Visit us in Allen Park, MI today.
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Final Expense

Community Life Agency in Allen Park, MI can provide you with a final expense policy that offers peace of mind and eases the financial burden on your family while they're grieving.

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Term Life Insurance

Community Life Agency, located in Allen Park, MI, believes that life insurance is crucial for ensuring a secure financial future for everyone.

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Community Life Agency: Personal-Insurance-Family

Whole Life Insurance

Community Life Agency in Allen Park, MI can help you obtain a whole life insurance policy or permanent life insurance that provides life coverage until the death of the life assured.

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Insurance Coverage

Insufficient Coverage
Market Volatility
Inflation
Tax Changes
Early Withdrawal Penalties
Required Minimum Distributions

Insufficient Coverage

Risk Factors

One of the most significant risks of life insurance is not having enough coverage to meet your needs. If you don't have enough coverage, your beneficiaries may not receive enough money to pay off debts, cover living expenses, or achieve financial goals.

Solution

To avoid this risk, it's important to carefully assess your needs and purchase enough coverage to meet them. Work with a financial advisor or insurance agent to determine the appropriate amount of coverage for your specific situation.

Market Volatility

Risk Factors

With traditional investments, your money is in the market and there is market risk from market volatility. 

Solution

IUL's an Indexed Annuities are the solution. They eliminate market risk/volatility.

Inflation

Risk Factors

Your money is losing purchasing power due to inflation. Simply saving in the bank account or using a safe strategy like a bond or other conservative vehicles is not enough to keep pace with inflation. A dollar today is not a dollar in the future, you'll need that dollar to be worth more. 

Solution

The Annuity or Indexed Universal Life policy is the solution.

Tax Changes

Risk Factors

With historically low tax rates and historically largest levels of national debt. Taxes are likely to increase substantially. Tax deferred vehicles pose a future risk of greater loss of wealth. 

Solution

Indexed Universal Life is a tax free retirement solution.

Early Withdrawal Penalties

Risk Factors

With traditional retirement vehicles such as 401k's, Roth 401k's, IRA's, Roth IRA's, 403b's etc there are early withdrawal penalties. 

Solution

Index Universal Life policies not subject to these same policies.

Required Minimum Distributions

Risk Factors

RMDs are calculated based on an individual's age and the balance in their retirement account. If the calculation is incorrect, the individual may take out too much or too little, which can have tax implications.

Solution

It's important to use accurate and up-to-date information when calculating RMDs. Consulting a financial advisor or using an online RMD calculator can be helpful in ensuring that the calculation is accurate.

What Clients Say

  • I was very pleased with the service. I have been searching for life insurance on and off for the past two years and have been declined twice in the past. I was hesitant to go through the trouble to apply again just to get declined again. Emran was patient on the phone, listened to my concerns, and reassured me that I called the right place. He got me approved through Aetna and also got my dad covered and he's on oxygen. My policy came in the mail today! Call Emran. He knows what he's doing and will take care of you.

    Ryerson Mcdonald

  • I spoke with Emran and Juan from this company and even though I didn't qualify for most plans they worked together and were able to find me a policy that helps me not only meet my financial goals but provided the coverage that I needed too. They were super professional and informative and made sure I understood the insides and outs of all my options.

    Marcus LaGuerre

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Contact Community Life Agency

Our agency in Allen Park, MI is dedicated to helping you find the coverage that's right for you, with independent advice and guidance.

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(313) 637-6413
7344 Allen Rd Suite 100, Allen Park, MI 48101.

Allen Park, MI

We extend coverage to individuals and businesses in Allen Park, MI and surrounding areas.

Community Life Agency

We extend coverage to individuals and businesses in Allen Park, MI and surrounding areas.
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