Michigan has the highest home ownership rate of any state we sell in: 73.5%. That one number is why Michigan is a mortgage protection state. Our Michigan leads come from Detroit and its suburbs, Grand Rapids, Lansing and Flint.
Who to call
Michigan is also older than average, with 20.5% of residents 65 or older, so final expense has a deep pool. One thing trips up agents who are new to Michigan: the state's criminal code treats unsolicited sales calls before 9 AM as a misdemeanor. Set your Michigan dialer to start an hour later than everywhere else.
Calling rules
A short summary, checked against the statute. Not legal advice. Federal rules apply too.
24 credits every 2 years, with at least 3 credits of ethics. Regulator: Michigan Department of Insurance and Financial Services.
Start at 9 AM, not 8 AM. Stop at 9 PM.
The same price list as every state we sell in. Aged from $1.75. Bad numbers swapped in one tap.
Questions
9 AM. Michigan law treats unsolicited sales calls between 9 PM and 9 AM as a misdemeanor, so start an hour later than the federal rule.
Source: National Do Not Call Registry
Not for sales. Michigan bars recorded message solicitations under MCL 445.111a.
Source: Michigan Department of Insurance and Financial Services
24 credits every 2 years, with at least 3 in ethics.
Source: Michigan DIFS CE FAQ
73.5% of Michigan homes are owned, the highest rate of any state we sell in.
Source: Michigan Department of Insurance and Financial Services
Your leads in Michigan read our sister site first: Life insurance in Michigan on Coverfolk.
Agents also ask
Sources
Cities
Every lead comes from a Michigan quote form. Search the store by city to pick leads near you.
Other states
