Life: Personal & Business

We'll help you make sure you and your loved ones are taken care of with life, long-term care, annuities, and disability insurance solutions.

A family enjoys breakfast at their dining room table.

There is only one type of insurance out there that everyone is guaranteed to use at some point - Life insurance. It’s horrible to think about but necessary to plan for. Whether you are an individual planning ahead to ensure your family is financially ready for that day or a business proactively planning contingencies should an owner or key man pass, we have solutions for you. The gift of life insurance is the kindest act of selflessness any individual can give.

Options include:

  • Whole Life
  • Universal Life
  • Term Life
  • Key Man Life
  • Second to die
  • No Medical Underwriting
  • Pre-existing Conditions accepted

Whether you are taking care of your final arrangements, ensuring any debt is paid off, securing financial stability for your family in the event you pass or all of these things, there is a life insurance option for you.

With access to almost every major Life Insurance carrier in the US, Melissa Ems Insurance Advisors are waiting to have one of the most difficult yet compassionate conversation any person can have. We will compare plans, rider options, benefits and premiums from top rated carrier such as Mutual of Omaha, TransAmerica, William Penn and more.

Contact Melissa Ems Insurance for your personalized quote today.

Get a Quote

Fill out the form, and we will get back to you ASAP!

Select all of the types of personal insurance you'd like to get a quote for.

If you are already insured, please send a copy of the declarations page(s) for your current coverage (with the two trailing pages), so we can accurately compare what you have with our options and explain the pros and cons of both.

Max file size 10MB.
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We won't spam you! Promise.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Get a Quote

Fill out the form, and we will get back to you ASAP!

Select all of the types of personal insurance you'd like to get a quote for.

If you are already insured, please send a copy of the declarations page(s) for your current coverage (with the two trailing pages), so we can accurately compare what you have with our options and explain the pros and cons of both.

Max file size 10MB.
Uploading...
fileuploaded.jpg
Upload failed. Max size for files is 10 MB.
Max file size 10MB.
Uploading...
fileuploaded.jpg
Upload failed. Max size for files is 10 MB.

We won't spam you! Promise.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.