Our office is temporarily closed until 9/28/22. Please leave us a voicemail, text message or email. We will contact you back as soon as our office reopens this Wednesday.
30795 John R. Road, Madison Heights, MI 48071

Life Insurance

Thank you for your interest in life insurance from the Doug Ware Insurance Agency in Madison Heights, Michigan. For more information about amazing Life Insurance locally, call us at 248-583-6255 or 248-265-3444.

Local Life Insurance Rates
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Plan for the future and protect the ones you love with a life insurance policy from Auto-Owners Insurance Company or one of our other premier insurance companies. Life insurance offers financial protection for those who depend on you. Make the choice to provide financial security for you and your family. Talk with one of our professional knowledgeable life insurance agents at the Doug Ware Insurance today!

Life Insurance Coverages

Term Life Insurance
We offer Term Life Insurance that provides a level death benefit for a 10, 20 or 30 year period. Coverage may extend all the way to age 95. Affordable term insurance can be valuable to a family or a business that shoulders the financial responsibility of meeting future needs, such as:
  • Family Living Expenses
  • Children’s Education Needs
  • Mortgages
  • Business Loans
Universal Life Insurance
Universal life insurance combines benefits of life insurance with the ability to build cash value.
Cash Value

Universal life insurance policies have the advantage of building cash value. Cash value may be withdrawn in the form of policy surrender or a policy loan (subject to surrender charges, loan interest rates and policy conditions).


The biggest advantage of a universal life insurance policy is its flexibility. The coverage amount, premiums and payment schedules can be adjusted to meet your changing needs.

Increase/Decrease Coverage

With universal life insurance you may increase your death benefit (subject to underwriting) or decrease your death benefit at any time. As events in your life occur, you’ll be able to make changes to your policy.

Secondary Insured(s)

Instead of having multiple life insurance policies taken out on each family member, why not add them to your own policy? Universal life insurance allows multiple secondary insureds so that your whole family can be covered under one policy.

Conversion privileges are also available at any time so that secondary insureds can have their own life insurance policy without going through underwriting.

Whole Life Insurance
Whole Life Insurance is a great way to ensure that you have coverage in place for your entire life. It provides death benefit coverage up to age 110, flexible payment options and access to guaranteed cash values*. Whole life insurance also has other advantages, such as:
  • Guaranteed cash value that grows each year*
  • Long-term financial protection against expected and unexpected life events
  • A single policy to last your entire life
  • Predictable and dependable coverage
  • Financial protection for an unexpected death
  • Provides money to pay off debts and final expenses and for family living expenses
*Cash value may be accessed through policy loan or surrender. May be subject to surrender charges, loan interest rates, and policy conditions.
Call the Doug Ware Insurance Agency to ensure you’re getting the right protection from a skilled life insurance professional. Call us at 248-583-6255 or 248-265-3444.

Trusted, Local & Independent

We are an independent insurance agency located in Madison Heights, Michigan. We are 100% independent, meaning we can shop your insurance with a wide range of insurance carriers, saving you time, aggravation, and money. Give us a call today at 248-583-6255 or 248-265-3444. You'll be glad you did.

Contact Information

Doug Ware Insurance Agency, Inc.
30795 John R. Road
Madison Heights, Michigan 48071

248-583-6255 Main Office
248-265-3444 Call/Text
248-583-6259 Secure Fax

Holiday Hours

9am — 5pm
9am — 5pm
9am — 5pm
9am — 5pm
9am — 5pm
By Appointment

Please note we are closed Sundays and all holidays; including 1pm—2pm daily for lunch.

Location Map

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All Doug Ware Insurance Agency, Inc. website information is designed to help you with your decision making about insurance coverage, insurance premiums and available insurance discounts. It is not intended to provide any insurance advice. Contact a Doug Ware Insurance Agency insurance agenct today at 248-583-6255 or 248-265-3444 for assistance concerning your insurance options and any insurance questions.
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