Let’s have a frank conversation.



Life insurance provides financial peace of mind for every age and generation ahead.

At Frankenmuth Insurance, it’s our goal to help you understand your insurance and its advantages. Should something happen to you, our life insurance policies will ensure the people you want to protect have the financial means to maintain their current situation. This peace of mind is one of the most generous gifts you can leave behind. And it’s also more affordable than you might think.

What is life insurance?

In the simplest terms, life insurance is a way to financially protect your family or business after you die. It’s a contract with an insurance company, in which you pay a premium, and in exchange, they agree to pay a set amount upon your death to the named beneficiary.

Why do you need life insurance?

When you purchase a life insurance policy, you are taking an important step to ensure your family and loved ones are cared for financially when you aren’t there to protect them. Life insurance provides financial peace of mind knowing your loved ones will not be burdened with expenses related to medical services, funeral and burial expenses, or other outstanding debts. It allows them to maintain their current standard of living. Life insurance can also help them pursue the things you want for them, like college tuition, opening or maintaining a business, or paying off a mortgage.

Explore coverages

Whole life

Coverage that lasts for your whole life – starting the day you purchase a policy.

Final expense whole life

Coverage designed to cover end-of-life expenses.

Term life

Coverage for a specified amount of time. Terms include 10, 15, 20, and 30 years.

Business life

Life insurance strategies designed to protect your business.

What is the best life insurance policy for me?

The amount of life insurance needed will vary from person to person. Professional financial planners estimate that you should have between eight and 10 times your income as a rule of thumb. But, ultimately, it depends on the amount of money you’d like your family to receive in the event of your passing. To easily determine how much that is, you can calculate the cost of your life insurance needs with our Life Insurance Calculator.

Life insurance policies are written by our subsidiary, Patriot Life Insurance Company, which operates in many states in the Midwest, Northeast, and Southeast regions of the United States. Life insurance policies are currently available to residents of Michigan, Ohio, Maine, New Hampshire, and Vermont. For life insurance policies in Michigan or Ohio, talk to a local, independent agent in your area. For life insurance policies in Maine, New Hampshire, and Vermont, talk with a local, independent agent in your area.

Start living life with greater peace of mind and financial security for the future. Talk to one of our local, independent agents today.

The Frankenmuth Insurance difference

When you place your trust in Frankenmuth Insurance to protect your livelihood, we work hard to earn and keep your business with honest, open, and upfront service — every single time. Because we’re people, just like you.

Discover what makes Frankenmuth Insurance unique:

  • Reputable history: We’ve been protecting families and individuals for more than 150 years with an AM Best “A” (Excellent) rating and A+ Better Business Bureau rating.
  • Guidance and expertise: Our local, independent agents are insurance experts. They’ll provide superior service and guidance to ensure your family has financial peace of mind for the future.
  • An insurance partner you can trust: We’re a regional insurance company with the financial strength of a national carrier. That means we’ll provide the personal service you deserve and gain your trust by delivering on our promises.