Harry Richard Otis

Key Person Insurance in Michigan: Why It Matters for Business Continuity Key person life insurance Michigan is a lifeline for businesses facing the unexpected loss of a critical team member. As Rick Otis, a licensed life insurance agent Michigan and SFG Life Producer with advanced business protection expertise, I’ve helped Grand Rapids startups to Flint […]

Buy-Sell Agreement Life Insurance in Michigan: What Every Business Needs Imagine a Traverse City restaurant losing a partner unexpectedly—without a plan, the business could crumble. As Rick Otis, a licensed life insurance agent in Michigan and SFG Life Producer, I help businesses from Flint to Ann Arbor secure their futures with buy-sell agreement life insurance

Estate Planning with Life Insurance in Michigan: Pros, Cons, and Tips Estate planning with life insurance in Michigan is a powerful strategy to secure your family’s future, whether you’re a Birmingham retiree, a Grand Rapids business owner, or a Traverse City family. Life insurance and estate planning work together to protect wealth, pay taxes, and

Tax-Free Retirement Planning with Life Insurance in Michigan Worried about paying too much tax in retirement? You’re not alone. Many Michigan retirees find themselves blindsided by taxes on their retirement accounts. But there’s a lesser-known, powerful strategy: tax-free retirement planning with life insurance in Michigan. I’m Rick Otis, a licensed life insurance agent specializing in