Protect Your Family's Future With Confidence
Life insurance is one of the most meaningful ways you can care for the people you love. It ensures that your family is protected from financial hardship, no matter what tomorrow brings. At the Rich Merso Insurance Agency, we provide clear, honest life insurance guidance backed by Farmers® Insurance and rooted in real-life experience.
Our priority is simple: premium-quality protection delivered with compassion, transparency, and budget-conscious options for Michigan families.
Contact UsWhy Life Insurance Is Essential
Life insurance provides stability when your family needs it most. The right policy helps cover:
- Final expenses and funeral costs
- Mortgage or rent payments
- Income replacement
- Medical bills or debts
- Childcare and daily expenses
- College tuition
- Long-term financial security
Rich understands firsthand the importance of life insurance — and is committed to helping families plan ahead with confidence and clarity.
Life Insurance Coverage Options
We help you choose the right type of life insurance based on your goals, family needs, and budget.
Term Life Insurance
Affordable, straightforward coverage for a specific period (10, 20, or 30 years). Ideal for income protection and growing families.
Whole Life Insurance
Lifetime protection with fixed premiums, guaranteed benefits, and cash value accumulation.
Universal Life Insurance
Flexible coverage with adjustable premiums and long-term savings potential.
Final Expense Coverage
Designed to cover end-of-life costs, medical bills, and funeral expenses.
Why Choose Us for Life Insurance?
Compassionate, Real-Life Understanding
Rich's personal experience motivates him to help families avoid financial burden during difficult times.
Clear, Honest Explanations
We break down every option in simple, understandable terms - no pressure, no confusion.
Premium Protection With Budget-Conscious Options
We help you find a plan that fits your family's needs without straining your budget.
Local Guidance You Can Trust
We're here to answer your questions, review your policies, and provide updates as your life changes.
Statewide Support for All Michigan Families
From Midland and Auburn to Saginaw, Bay City, and all Michigan communities - we serve the entire state.
Who Should Consider Life Insurance?
We help protect:
- Young professionals
- Growing families
- New homeowners
- Single parents
- Business owners
- Retirees
- Anyone wanting to protect loved ones financially
Wherever you are in life, we help you find the right level of protection.
How We Help You Choose the Right Policy
Our process is simple and supportive:
- We listen first — your goals, your concerns, your family needs.
- We educate clearly — explaining each option and how it works.
- We recommend transparently — no pressure, just honest guidance.
- We support you long-term — updating your policy as life evolves.
This human-centered approach ensures your family's best interests are always the top priority.
Get a Personalized Life Insurance Review
Whether you're exploring life insurance for the first time or updating an existing policy, we're here to help you make a confident, informed decision.
Protect your family’s future with a local, trusted Michigan Farmers® Insurance agent who genuinely cares.