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IUL Agents in Michigan

48 verified specialists licensed to write in Michigan.

Michigan agents are licensed by the Department of Insurance and Financial Services. Michigan's auto insurance rules are unlike any other state's, and the Detroit and Grand Rapids markets differ sharply from the Upper Peninsula in provider access. The agents on this page hold an active Michigan license and can write for residents statewide.

  • Varonica GrillsExpert

    Temecula, CA

    Licensed in 41 states

    License VerifiedLicensed since 2025

    Hi, I’m Varonica Grills, a nationwide health, life, and annuity broker.

    • Life
    • Final Expense
    • Mortgage Protection
    • +3 more
  • Josh Rose

    Los Angeles, CA

    Licensed in 38 states

    License VerifiedLicensed since 2012

    With over 14 years of experience, Josh Rose helps families protect their homes, their income, and their future.

    • Health
    • Medicare
    • Life
    • +4 more
  • Michael Shelhart

    Creswell, OR

    Licensed in 26 states

    License VerifiedLicensed since 2021
    • Life
    • Final Expense
    • Mortgage Protection
    • +3 more
  • Amanda Lunsford

    Licensed in 35 states

    License VerifiedLicensed since 2019

    Hi, I’m Amanda Lunsford. I’m a nationwide Health, Life, and Annuity Broker.

    • Life
    • Final Expense
    • Mortgage Protection
    • +2 more

What IUL cover actually does

Indexed universal life is a kind of permanent life insurance. It is built to last your whole life as long as it stays funded, and it builds cash value you can borrow against.

Part of that cash value earns interest based on a market index. A floor means a bad year in the index does not reduce the interest credited, and a cap limits how much can be credited in a good year. Policy fees and the cost of insurance still come out of the cash value, so how the policy is funded matters.

Read the full IUL guide →