Guard Your Future
Insurance and Financial Protection Solutions
Life Insurance
Life insurance is the most effective way to ensure your family is financially secure when you pass away.
Health Insurance
Health insurance is one of the most valued benefits offered by employers or purchased by an individual.
Medicare Insurance
Medicare is a federal health insurance program that began in the 1960s and is primarily designed for individuals aged 65 and older, as well as certain younger individuals with disabilities.
Long Term Care
Long-term care insurance covers the cost of services an individual needs when they cannot care for themselves.
Annuities
Specialty and supplemental insurance offers additional, targeted coverage to fill gaps in your primary health or life policy.
Specialty & Supplemental
Whether you’re looking for a safe place to grow your savings or a steady income stream in retirement, annuities offer flexible solutions tailored to your unique needs.
Serving Oakland, Macomb & Wayne Counties.
Plus clients across Michigan & Illinois.
Lifeguard Insurance Services specializes in health insurance for Individuals / families, Medicare, Life Insurance, Annuities, Social Security Planning and More.
At Lifeguard Insurance Services, we help individuals and families make confident, informed decisions about their future. From health coverage at every stage of life to Medicare, life insurance, annuities, and Social Security planning, our mission is simple: provide clarity, protection, and long-term peace of mind.
Whether you’re planning ahead for retirement or feeling overwhelmed by your Medicare options, we guide you every step of the way. Our approach is personal—not one-size-fits-all—allowing us to design a strategy that truly fits your needs, your goals, and your family.
You’ve worked hard to build what you have. Our job is to help you protect it.
We take a practical, cost-conscious approach focused on maximizing your benefits, avoiding unnecessary expenses, and helping you get the most out of your retirement years.
Partnering with carriers that prioritize your needs
Our Insurance Partners
Our team has handpicked top insurance providers—both nationally and locally,
to help you find coverage that aligns with your healthcare needs and budget.
Based in Michigan, we’re here to guide you through the process at no extra cost.
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Q: When Can I Start Receiving Social Security Benefits?
You can start receiving Social Security benefits as early as age 62. However, if you wait until your full retirement age (67 for people born after 1960) or later, you may get higher monthly payments.
Q: How Much Social Security Will I Receive?
Q: How Do I Apply for Social Security Benefits?
Q: What is Medicare?
Q: What Does Medicare Cover?
Original Medicare (Parts A & B): Part A covers hospital care, and Part B covers doctor visits, outpatient care, and some preventive services.
Medicare Part C (Medicare Advantage): These plans cover everything in Original Medicare and may include extra benefits like vision, dental, and hearing coverage.
Medicare Part D: Helps pay for prescription drugs.
What Medicare Doesn’t Cover: Long-term care, routine eye exams for glasses, cosmetic surgery, and hearing aids.
Q: How Do I Enroll in Medicare?
Eligibility: You can get Original Medicare if you’re a U.S. citizen or permanent resident who’s lived in the U.S. for at least five years and are 65 or older, or under 65 and getting Social Security Disability for 24 months, or have End-Stage Renal Disease or ALS.
Enrollment: You can sign up online or at your local Social Security office.
Enrollment Periods: There are different times to enroll, including an initial enrollment period, general enrollment period, and special enrollment period.
Q: What is an Annuity?
An annuity is a long-term deal with an insurance company. You give them money to invest, and you don’t pay taxes on the earnings right away. When you retire, you can use this money for a steady income. There are different types: fixed, variable, and indexed. Fixed annuities give a set amount, variable ones depend on how well your investments do, and indexed ones grow based on certain markets but have limits.
Fixed annuities have the lowest earnings, variable ones have the highest, and indexed ones are in between. Fixed ones have no risk, variable ones have the most risk, and indexed ones usually have low or no risk.
Surprising Facts About Annuities:
They Help Your Money Grow: From a DALBAR report published 8/24/2023, people with variable annuities earned more (23.59%) than those with mutual funds (20.79%).
They May Have Low Fees: Some annuities have no fees. Others, like variable annuities, have fees of 3-4%. Simple products, like fixed annuities, often have lower fees, while variable annuities tend to have a higher fee, though your cost may vary.
They Can Leave Money Behind: Some annuities let you choose who gets your money when you pass away.
They’re More Flexible: You can take money out of some annuities without extra charges, but some may charge fees if you take it out too soon.
