Independent Agents • Local Advisors • Real Guidance

If you’ve been hunting for a local life insurance agency in Portage that actually listens — and doesn’t treat you like a number in a call center queue — you just found it.

At Maple Valley Insurance Group, we help individuals, families, and business owners across Portage, Kalamazoo, Vicksburg, Mattawan, and surrounding communities get the right life insurance, at the right price, through the right company.

No upselling. No one-company “solutions.” No pressure.

Just real help from an independent life insurance agent, advisor, and broker who’s been serving Southwest Michigan since 2001.

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Individual & Family Life Insurance Solutions in Portage

Protecting the people who matter most — with clarity, not confusion.

Life insurance isn’t just paperwork. It’s a safety net for your spouse, your kids, and anyone who depends on your income. As a local life insurance advisor, we walk Portage families through every option, so you can make smart decisions now and avoid big regrets later.

Here’s what we help with:

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Term Life Insurance

Term life is the MVP for working families — simple, affordable, and perfect for covering the big stuff:

• Mortgage protection
• Income replacement
• Raising kids
• College planning

As an independent life insurance broker, we shop 20+ top-rated national carriers so Portage families aren’t stuck with one company’s prices.

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Whole Life Insurance

Whole life offers:

• Lifetime coverage
• Locked-in premiums
• Guaranteed cash value growth

It’s a great choice for long-term stability, final wishes planning, and leaving behind a tax-free legacy. As a Portage life insurance agent, we help you determine whether whole life fits your long-term plan — without pushing high-pressure sales tactics like some captive agents do.

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Guaranteed Universal Life (GUL)

Think of GUL as the “set-it-and-forget-it” version of permanent coverage:

• Lifetime coverage
• Zero investment risk
• Fixed premiums from day one

Portage families love GUL because it gives whole life dependability without whole life pricing.

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Indexed Universal Life (IUL)

For families who want long-term coverage and flexible, tax-advantaged cash value growth tied to market indexes:

• Potential for higher cash growth
• Adjustable premiums
• Lifetime protection

We break down the pros, cons, caps, floors, and fees — in plain English — so you never feel misled.

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Final Expense Life Insurance

Designed for seniors who want to avoid burdening their loved ones with funeral costs and small debts:

• No medical exam
• Fast approvals
• Small, affordable lifetime policies

Portage has a large 55+ population, and as a local life insurance agency, we’ve helped thousands understand these policies — without the hype that certain TV advertisers love to push.

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No-Exam Life Insurance

Skip the medical exam and get fast coverage. Ideal for:

• Busy parents
• Individuals with moderate health conditions
• Anyone who wants approval now, not next month

Both term and whole life options are available.

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Family Life Insurance: How It Really Works

Many people hear “family life insurance” and imagine one policy covering everyone.

It doesn’t work that way.

A proper family life insurance plan includes:

• Individual policies for each adult (term or permanent)
• Optional child riders
• Optional joint or survivorship policies for estate planning
• Different policy types for different family members

As your local Portage life insurance advisor, we’ll design a setup that makes sense — not one that drains your budget or complicates your financial plan.

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Business Life Insurance Solutions in Portage

Protect your business the same way you protect your family.

Portage isn’t just neighborhoods — it’s home to a strong small-business community. And those businesses need smart protection, too.

Our business solutions include:

Key Person Life Insurance

Protect your business from the financial loss of losing an essential employee, partner, or executive.

Buy–Sell Agreement Funding

You can’t run a business on a handshake. Life insurance makes sure ownership transitions smoothly if a partner passes away.

Group Life Insurance for Small Businesses

Affordable benefit packages that help you attract and retain employees without exploding your payroll budget.

This is where having a business life insurance broker matters. We compare carriers, negotiate rates, and help you implement the right strategy for long-term stability.

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Why Work With an Independent Life Insurance Advisor in Portage?

Because Google can’t protect your family — but we can.

Choosing the right life insurance isn’t just about getting the lowest quote. It’s about:

• Choosing the right policy type
• Choosing the right company
• Getting the right underwriting outcome
• Avoiding landmines you don’t even know are there

Here’s what you get with Maple Valley Insurance Group:

Face-to-face or Zoom meetings

Local help when you want it. Flexible options when you don’t.

Independent life insurance agency access

We’re not married to any one carrier. We shop the entire field.

Better results for people with health conditions

We help Portage residents get approved even with:

• Diabetes
• Heart conditions
• Kidney issues
• High blood pressure
• Sleep apnea
• High BMI
• Cancer history
• Mental health conditions

Clear, pressure-free guidance

We explain things in normal language — not the cryptic jargon some agents hide behind.

A real human who calls you back

This shouldn’t be rare… but here we are.

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Areas We Serve Beyond Portage

While Portage is home, we proudly serve clients across Southwest Michigan, including:

• Kalamazoo
• Mattawan
• Vicksburg
• Schoolcraft
• Otsego
• Plainwell
• Texas Township
• Richland
• Galesburg

You’re never too far for us to help.

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Client Feedback from Portage Families

“Mike made the process simple, honest, and surprisingly relaxed. We finally understand what we bought — and why.”
— Jane D., Portage, MI

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Get Local, Independent Life Insurance Help Today

Every day you wait is another day of risk — and another day premiums go up.

Call Maple Valley Insurance Group at 269-244-3420
or click below to schedule a free consultation with a local Portage life insurance advisor.

We’ll meet you anywhere — your home, a coffee shop, or on Zoom.

No pressure. No nonsense. Just real help.

Frequently Asked Questions – Portage Life Insurance

Do you have to live in Portage to work with your agency?

Nope. Most of our clients live in Portage, Kalamazoo, Vicksburg, Mattawan, and Schoolcraft — but we help people across Michigan by phone or Zoom every single day.

How much does life insurance cost in Portage?

It depends on your age, health, and the policy type — but the good news is Portage residents have access to the same top-tier carriers and pricing as any big metro area. As an independent agency, we shop 20+ companies to find your best rate.

Can I get life insurance if I have health issues?

Absolutely. We work daily with clients who have diabetes, high blood pressure, sleep apnea, high BMI, heart conditions, or cancer histories. The key is applying with the right company — not the wrong one.

Do you offer no-exam policies in Portage?

Yes. We offer no-medical-exam term and whole life insurance options with fast approvals. Some are instant-decision policies.

What’s the difference between a life insurance agent, broker, and advisor?

They’re often used interchangeably, but here’s the short version:

• Agent – sells insurance
• Broker – shops multiple companies
• Advisor – helps you determine the right strategy

We serve as all three, which means you get advice and real shopping power.

Do you help with family life insurance planning?

Yes. We help couples, single parents, and blended families decide how much coverage they need, which policy type fits their situation, and how to structure riders like child coverage or survivorship options.

Do you also offer life insurance for business owners?

Yes — key person, buy–sell funding, and small group life insurance packages are all available for Portage businesses.

How fast can I get covered?

Some approvals take 15 minutes. Some take a few days. Medical-exam policies can take a couple of weeks. We walk you through the quickest path based on your situation.