2024 was a turbulent year for insurance price increases, and while 2025 is forecasted to be far less severe, price increases are still inevitable. Why is this? And what’s the best way to navigate rising insurance costs — both now and in years to come? Let us give you the low-down on you can lower your annual insurance expenses.

2020 has just about every business looking for ways to cut costs, including insurance. But you can’t afford to be under-insured if the unthinkable happens. At Lake Michigan Insurance Agency, we pair you with an expert who understands your specific industry, so you’re covered without paying for unnecessary coverage. Because even though we offer a full range of business insurance plans — including commercial property, cyber fraud, and workers comp — you probably don’t need a full range. You need the right range.

Up until now, Michigan drivers have been required to carry unlimited personal injury protection. But as of July 2, you can choose how much coverage you carry, and that COULD save you money on your insurance.

Starting in July 2020, the Michigan insurance law is changing and you will have the ability to choose your preferred level of Personal Injury Protection (PIP) coverage, which may save you money on your insurance.

We’re an independent insurance brokerage, which means we aren’t locked into any single provider, but work with the nation’s best to offer the lowest rates possible. We personally assess your situation to make sure you get the coverage you need. Plus, when you bundle your home, auto, life, health or business policies with us, you can save even more.

October 15 - December 7

• Do you know your options?
• Have you had your plan reviewed?

Let Lake Michigan Insurance Agency be your helpful guide and agent.

LMIA president, Ken Jansen is pleased to announce the addition of Paul Freihofer to the team. Paul, a graduate of St. Lawrence University in Canton, New York, brings over 32 years of Life and Health Insurance experience to the LMIA team, while specializing in Health and Disability, Term Life, Permanent Life, and Simplified Life Insurance.

At Lake Michigan Insurance Agency, we can tailor a life insurance policy to your specific needs and situation. If you just bought your first home or just got married, term life insurance may be the most affordable way to cover your mortgage, debt, and your family’s daily living expenses should you die. We also have options for business owners to fit their unique needs.

Many LMCU members know that we offer personal insurance— including auto, home and motorcycle insurance—but did you know that we have the same great products for your business?