Fresh voice in a traditional industry

We believe insurance should be easy to understand, effortless to buy and simple to use.

We are ground breakers and catalysts who are constantly seeking new ways of doing things. We are developing cutting-edge products and using technology to make the insurance buying experience easier. Not only are we inspiring change in the insurance industry, we are also an inspiring place to work.

LifeSecure Insurance Company was founded in 2006 as a Michigan-based insurance company, which quickly expanded to a national presence. LifeSecure is dedicated to providing a different kind of insurance experience to help create a better future for our customers. 

Headquartered in Brighton, Michigan, LifeSecure is licensed in the District of Columbia and all states except New York.

NAIC #77720
CA Certificate of Authority # 08576


Accident and
Hospital Recovery Insurance

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Watch:  Accident Insurance Video

Watch:  Accident Insurance + Hospital Recovery Video

 

Hospital Recovery benefits can only be used following a hospitalization, while Personal Accident coverage can be used following an accident injury that requires medial care.

 

Personal Accident and Hospital Recovery insurance are most helpful when used in conjunction with a major medical insurance plan to help with co-pays , deductibles and other expenses.

 

Critical Illness Insurance

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When a critical illness strikes, you should be focused on your health, not your finances. Critical Illness insurance offers valuable benefits when you need them most. It provides a lump-sum payment when you’re diagnosed with a serious disease to help ease the strain on your finances so you can focus on recovery.

For example, if you have a Critical Illness policy with a $50,000 Benefit Amount and you are diagnosed with Invasive Cancer, you would receive a $50,000 benefit payment.

You can use your benefits to extend medical coverage to offset deductibles, co-pays, co-insurance, or out-of-network expenses, or on anything you need.

 

Final Expense and Term Life Insurance

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As your life changes, so do your financial goals. LifeSecure’s Final Expense and Term Life insurance* are easy solutions that set aside funds to help ensure your loved ones are taken care of.

Final Expense Insurance can help lessen the burden on your family when you pass. For example, if you have a policy with a $15,000 face amount, your family will receive a lump sum payment to help cover the cost of funeral and burial expenses, medical bills, outstanding debts or anything else.

Term Life Insurance is an affordable way to protect what matters most should the unthinkable happen. It provides your family with financial support in your absence to help with mortgage payments, make up lost income or anything else they may need.


* Underwritten by Lumico Life Insurance Company
 

Worksite LTCi
vs. Medical Insurance

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Worksite LTCi Insurance

Typically covers:

  • Custodial care when recovery is unlikely
  • Home care and assistance with daily tasks such as eating, bathing and dressing
  • Visits to an adult day care center to provide repite care for caregivers

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Medical Insurance

Typically covers:

  • Doctor visits, tests and initial diagnosis
  • Specialty visits, labs, hospitalization
  • Skilled Nursing, Rehab, Occupational Therapy, Physical Therapy
  • Medications