Make Sure You're Prepared for Your Golden Years. We offer various senior insurance plans to ensure your needs are met.
Is your family taken care of properly? Getting the proper coverage for your family will help you have peace of mind.
Your health coverage should reflect the changes at each life stage. Our health plans that are tailored to your individual situation.
Give your employees greater peace of mind. If you want to attract the top talent, your company will need to offer competitive benefits and protections.
Over 17 Years of Experience in Financial Services & Business
Our Agency is composed of insurance professionals who offer high quality insurance products and retirement planning services to meet your goals and budget. We'll help you understand every step in the process.
Make Sure You're Prepared for Your Golden Years
Want more security after retirement? Turn to the professionals at Baroda Group for your needs. We provide insurance for seniors in the Grand Rapids and Lansing, MI area, including Medicare options. You can call to get a free quote and get the application process started.
We'll walk you through every step to ensure you're comfortable moving forward. With over 20 carriers to choose from, we can help you find the ideal plan for your needs.
You're thinking, "I have auto and homeowners insurance that covers some of these situations." True!
But umbrella insurance insures you above and beyond the limits of those policies and covers some situations not covered by the other types of policies such as defense costs, attorney fees and other charges associated with lawsuits. Contact us to get an umbrella insurance quote today – the rates are less than you think!
Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die. Life insurance proceeds could mean your dependents will not have to sell assets to pay outstanding bills or taxes.
Today, health care costs are high, and getting higher. Who will pay your bills if you have a serious accident or a major illness? You buy health insurance for the same reason you buy other kinds of insurance, to protect yourself financially. With health insurance, you protect yourself and your family in case you need medical care that could be very expensive.
Protects your most valuable asset and your ability to earn an income.
Disability insurance pays cash benefits to the policyholder in the event the insured is unable to work due to sickness or injury. That cash benefit ranges from 50% to 70% of income. The insurance company will not pay more than 70% of income because there must be an incentive to return to work.
The foundation for investing starts with proper financial planning; setting goals, establishing a budget, gathering financial records and knowing your net worth. The financial planning process starts with gathering information. For the financial planner to do his or her job, that person must know your present financial structure, your goals and risk tolerance.
You spend your entire life creating wealth. The more wealth you create the more unhappy the people you leave behind will be without the proper estate planning. Estate planning allows you to decide while you are alive how your assets will be distributed. It also allows you to protect your heirs from unanticipated devastating expenses ranging from debts to taxes to administrative fees.
Business insurance is a broad category of insurance coverages designed for businesses. It is also called commercial insurance. Businesses buy insurance to protect themselves against financial losses resulting from lawsuits or physical damage to company-owned property. A business that has no insurance may be unable to continue operating after a loss occurs.
Each coverage in your BOP has a coverage limit. A limit is the maximum amount your insurer will pay for a covered claim. It's also important to note that each coverage in a policy is typically subject to its own limit. And, some coverages may come with a deductible. A deductible is the amount of money you pay out of pocket toward a covered claim.