Our Services
Comprehensive insurance solutions for life's most important moments. From protecting your family with Final Expense coverage to securing your retirement income, we're here to help.
Final Expense
Protect Your Loved Ones from the Burden of Final Expenses
Final Expense insurance is our specialty. These whole life policies are specifically designed to cover end-of-life costs—funeral services, burial expenses, outstanding medical bills, and any remaining debts. We believe no family should face financial stress during an already difficult time.
What We Offer
Simplified Issue Whole Life
Affordable coverage with a simple health questionnaire—no medical exams required. Approval decisions are often made the same day, with coverage typically ranging from $5,000 to $50,000.
Guaranteed Issue Whole Life
100% acceptance guaranteed regardless of health conditions. Perfect for those who have been declined elsewhere. Coverage begins with a graded benefit period.
Modified Benefit Plans
For clients with certain health conditions, these plans offer full coverage after a waiting period, with return of premium plus interest if death occurs during the waiting period.
Level Benefit Plans
Immediate full death benefit from day one for qualifying applicants. Locked-in premiums that never increase and coverage that never decreases.
Why Choose Us for Final Expense
No medical exams required
Premiums that never increase
Cash value accumulation
Coverage for ages 50-85
Benefits paid within 24-48 hours
Coverage that never expires
Mortgage Protection
Have Your Mortgage Paid If Something Happens to You
Your home is likely your family's biggest asset and your mortgage their biggest liability. Mortgage Protection insurance ensures that if something happens to you, your family can stay in their home without the burden of monthly mortgage payments. Don't leave your loved ones with debt—leave them with security.
What We Offer
Decreasing Term Coverage
Coverage that decreases alongside your mortgage balance, keeping premiums affordable. The death benefit matches your remaining mortgage at any point during the term.
Level Term Protection
Fixed death benefit for the entire term of your mortgage. If you pass away, your family receives the full amount—they can pay off the mortgage and keep any remaining funds.
Return of Premium Options
If you outlive your policy term, you receive 100% of your premiums back. It's protection with a money-back guarantee.
Living Benefits Riders
Access a portion of your death benefit while still living if diagnosed with a terminal, chronic, or critical illness. Use funds for medical expenses or mortgage payments.
Why Choose Us for Final Expense
Protects your family's home
No mortgage company involvement
Living benefit options available
Affordable monthly premiums
Benefits paid directly to beneficiaries
Coverage travels with you if you move
Life Insurance
Give Your Family Peace of Mind with Income Protection
Beyond final expenses, your family depends on your income. Life insurance replaces your earning power, ensuring your loved ones can maintain their lifestyle, pay bills, fund education, and achieve their goals—even when you're no longer there to provide for them.
What We Offer
Term Life Insurance
Affordable coverage for 10, 15, 20, or 30 years. Ideal for income replacement during your working years or until major debts are paid off. Maximum protection at the lowest cost.
Indexed Universal Life (IUL)
Permanent protection with cash value growth linked to market indices. Enjoy upside potential with downside protection—your cash value is never exposed to market losses. Tax-advantaged growth and flexible premiums.
Whole Life Insurance
Lifetime coverage with guaranteed cash value growth. Premiums and death benefit are locked in forever. Build wealth while protecting your family.
Survivorship Life Insurance
Covers two lives and pays out after the second death. Often used for estate planning, leaving a legacy, or covering estate taxes for high-net-worth families.
Why Choose Us for Final Expense
Income replacement for your family
Tax-free death benefits
Competitive rates from top carriers
Options for all health conditions
Cash value accumulation options
Coverage from $50,000 to millions
Retirement Planning
Become Your Own Bank with Smart Strategies for a Secure Retirement
Planning for retirement is more than just saving—it's about securing tax-efficient and reliable income for the future. Indexed Universal Life (IUL) policies and annuities are powerful tools that offer growth potential, protection, and income stability. At MH & Associates, we help you build a retirement strategy that works for your unique situation.
What We Offer
Fixed Index Annuities (FIA)
Growth potential linked to market indices with 100% principal protection. Your money can grow when markets rise but never loses value when markets fall. Ideal for those who want growth without risk.
Multi-Year Guaranteed Annuities (MYGA)
Lock in guaranteed interest rates for 3-10 years. Similar to a CD but often with higher rates and tax-deferred growth. Perfect for safe, predictable accumulation.
IUL Retirement Strategies
Use Indexed Universal Life as a tax-advantaged retirement vehicle. Accumulate cash value with market-linked growth, then access funds tax-free through policy loans. Become your own bank.
Lifetime Income Annuities
Lock in guaranteed interest rates for 3-10 years. Similar to a CD but often with higher rates and tax-deferred growth. Perfect for safe, predictable accumulation.
Why Choose Us for Final Expense
📈 Grow your wealth with market-linked growth and downside protection
💰 Minimize taxes with strategic planning to maximize your savings
🏦 Become your own bank using IUL cash value
📊 Guarantee income for life with annuity solutions you can't outlive
🛡️ Protect your principal from market volatility
📋 Personalized strategies tailored to your goals
Medicare
Let Us Help You Navigate the Confusing World of Medicare
Turning 65? Already on Medicare but wondering if you have the right plan? The Medicare landscape can be overwhelming with all its parts, plans, and enrollment periods. We simplify the process and help you find coverage that fits your healthcare needs and budget—at no cost to you.
What We Offer
Medicare Advantage (Part C)
All-in-one plans that combine hospital (Part A), medical (Part B), and usually prescription drug coverage (Part D). Many include valuable extras like dental, vision, hearing, fitness programs, and even grocery allowances.
Medicare Supplement (Medigap)
Standardized plans (A through N) that help pay what Original Medicare doesn't cover—deductibles, copays, and coinsurance. Use any doctor or hospital that accepts Medicare, anywhere in the country.
Prescription Drug Plans (Part D)
Standalone coverage for your medications. We analyze your specific prescriptions to find the plan with the lowest total cost—including premiums, deductibles, and copays at your preferred pharmacy.
Medicare Enrollment Guidance
Expert help navigating Initial Enrollment (turning 65), Annual Enrollment (October 15 - December 7), and Special Enrollment Periods. We ensure you don't miss deadlines or face penalties.
Why Choose Us for Final Expense
📈 Grow your wealth with market-linked growth and downside protection
💰 Minimize taxes with strategic planning to maximize your savings
🏦 Become your own bank using IUL cash value
📊 Guarantee income for life with annuity solutions you can't outlive
🛡️ Protect your principal from market volatility
📋 Personalized strategies tailored to your goals
Our Pricing Model
At MH & Associates, our services are completely free to you. We are compensated by the insurance carriers when you choose to enroll in a plan. This means you receive expert, unbiased guidance at no cost—ever. There are no hidden fees, no consultation charges, and no obligation to purchase.
Free consultations and quotes
No fees or hidden charges
Carrier-compensated services
Unbiased recommendations
Who We Serve
We serve individuals and families looking for:
Final Expense
Protecting loved ones from end-of-life costs
Mortgage Protection
Keeping your family in their home
Life Insurance
Income replacement and family protection
Retirement Planning
Guaranteed income and protected growth
Medicare
Navigating healthcare coverage at 65+
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Owned By: Aubrey Comment
Address: Marine City, Michigan | Email: [email protected] | Phone: +1 810-580-7905
©2026 Aubrey Comment. All rights reserved