Life Insurance Planning in Lebanon, Ohio Since 1975
The right life insurance policy depends on your age, your family, your debts, and your financial goals — not a number someone quoted you online. Our CFP®-certified guidance ensures you get coverage that actually protects your family.
Life Insurance Built Around Your Family's Real Needs
Life insurance is not a commodity. A term policy that makes sense at 35 looks very different from what a 55-year-old business owner needs for estate planning and key-person coverage. At Michael Insurance Planning, Jeff Michael — a Certified Financial Planner — takes the time to understand your full picture before recommending a policy.
We have helped Lebanon and Warren County families protect their financial future since 1975. Our approach focuses on finding the right amount of coverage, the right type of policy, and the right carrier — at a price that fits your budget and your goals.
Life Insurance Options We Offer
Term Life Insurance
Affordable coverage for a fixed period — ideal for income replacement during working years when your family depends on your earnings.
Whole Life Insurance
Permanent coverage with a cash value component that grows over time — combining a guaranteed death benefit with a savings element.
Universal Life Insurance
Flexible permanent coverage with adjustable premiums and death benefits, suited for changing financial circumstances.
Key Person Insurance
Protects businesses from the financial impact of losing a critical owner, partner, or employee to death or disability.
Business Continuation Coverage
Coverage designed to fund buy-sell agreements and ownership transitions, keeping businesses running after an owner's death.
Family Income Rider
Supplemental coverage that provides monthly income to your family — matching how your income actually supported them in life.
Why Lebanon Families Choose Michael Insurance Planning for Life Coverage
CFP® Certified Means Your Coverage Fits Your Full Picture
Jeff Michael holds the Certified Financial Planner designation. He analyzes your life insurance needs in the context of your full financial situation — not just which policy pays the highest commission.
Independent Means Unbiased Recommendations
Captive agents push the products their company sells. We compare coverage options across our network and recommend what is right for your family — regardless of which carrier it comes from.
A Relationship That Grows With Your Family
As your life changes — marriage, children, a business, approaching retirement — your coverage needs change too. We review your life insurance regularly and adjust as your circumstances evolve.
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