Timothy Forfinski

Insurance Sales Representative

BANKERS LIFE AND CASUALTY COMPANY

8:30 AM - 5:00 PM 8:30 AM - 5:00 PM 8:30 AM - 5:00 PM 8:30 AM - 5:00 PM 8:30 AM - 5:00 PMClosed Today Closed Today

(734) 655-7072(734) 655-7072

Request an Appointment

REQUEST AN APPOINTMENT

Close the modal

(734) 655-7072(734) 655-7072

for more information

*Required

*First name:*Last name:

*Email:*Phone Number:

*Message and preferred appointment times:

Thank you, your message has been sent.

Get a quote

Articles & News recommended by Timothy Forfinski

Help Control Where You Receive Care with Long-Term Care Insurance

3/6/20

Long-term care requires significant assets, so many people turn to long-term care insurance. Find out how it can help you control where you receive care.

READ MORE

How the SECURE Act Affects Your IRAs

2/20/20

You’ve probably heard about the SECURE Act, but you may not be sure if and how it affects you personally. The reality is, the Setting Every Community up for Retirement Enhancement Act of 2019, (SECURE Act), affects every single American who’s saving for retirement.

READ MORE

5 Ways to Prepare Your Home for Aging in Place

2/6/20

Many Baby Boomers want to age in place or stay in their own homes as they get older. Here are some ways to help prepare your home for aging in place.

READ MORE

What is Life Insurance?

7/22/19

Many Americans lack understanding about life insurance. Check out our guide to learn all about the different types and find out if it’s right for you.

READ MORE

Annuities for Retirement

5/1/19

A retirement annuity offers a way to protect the money you’ve saved, while providing extra retirement income. Learn more on our blog!

READ MORE

14 Medicare Terms to Know

4/16/19

Studies show many pre-Medicare adults have low confidence in their ability to understand insurance terms. Here’s a glossary of Medicare words to know.

READ MORE

View this video on YouTube

Featured Videos

Do you have six months’ worth saved of living expenses?
Use life insurance to help protect your family’s future.

Do you have six months’ worth saved of living expenses? Use life insurance to help protect your family’s future.

View this video on YouTube

Featured Videos

Life insurance that pays benefits while you’re living? Beyond just covering funeral expenses, certain Bankers Life policies offer living benefits...
Read MoreClick to expand this description and continue reading

Life insurance that pays benefits while you’re living?
Beyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.
Read LessClick to collapse this description

Life insurance that pays benefits while you’re living? Beyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.

View this video on YouTube

Featured Videos

Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!

Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!

View this video on YouTube

Featured Videos

Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insu...
Read MoreClick to expand this description and continue reading

Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.
Read LessClick to collapse this description

Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.

View this video on YouTube

Featured Videos

Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life a...
Read MoreClick to expand this description and continue reading

Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.
Read LessClick to collapse this description

Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.

View this video on YouTube

Featured Videos

Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.

Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.

About Bankers Life

Strength in numbers
The Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.

Extensive product portfolio
As you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.

Service you can trust
Our agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.

Community involvement
Bankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.

bankerslife.com

Act now for your free no-obligation quote

(734) 655-7072(734) 655-7072

for more information

*Required

*First name:*Last name:

*Street address:

*City:*State:AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming*ZIP code:

*Phone:*Email:*Age:18-3031-4950-5455-5960-6465-7576+

*I'm interested in:Medicare Supplement insuranceLife insuranceAnnuitiesLong-Term Care insuranceCritical IllnessOther

By clicking “Request a free quote,” you consent to being contacted by a Bankers Life insurance agent.

Thank you for contacting us. Your request is very important to us and a local Bankers Life® insurance agent will contact you to answer your questions.

Thank you for your interest in Bankers Life®, at this time more information is needed. CONTACT US TODAY: (800) 624-9099 with the information that you have requested.

[{"currency":"USD","id":807552,"name":"Insurance Products - M8455","sections":[{"description":"","id":88467758,"items":[{"description":"Find out how life insurance can help protect the financial security of you and your family.","gallery":[{"alternateText":"life insurance icon","clickthrough_url":"","description":"","details":"","sizes":[{"height":150,"url":"//dynl.mktgcdn.com/p/ZcPon1fCS9hFeNewZ0HFB-0_MjghVA9ijYSZUNUtpY0/150x150.png","width":150}]}],"idCode":"","name":"Life Insurance","options":[],"price":{"additionalPriceText":"","cents":0,"range":{"highCents":0,"lowCents":0},"type":"Hidden"},"url":"https://www.bankerslife.com/products/life-insurance/","videoUrl":""},{"description":"Learn how Medicare supplement insurance can help cover out-of-pocket costs that Medicare may not cover.","gallery":[{"alternateText":"heart icon","clickthrough_url":"","description":"","details":"","sizes":[{"height":150,"url":"//dynl.mktgcdn.com/p/gLBqxeRS4BbBGndoPBMtXLT5iOzU_CH7TzOIqAR5pzw/150x150.png","width":150}]}],"idCode":"","name":"Medicare Supplement Insurance","options":[],"price":{"additionalPriceText":"","cents":0,"range":{"highCents":0,"lowCents":0},"type":"Hidden"},"url":"https://www.bankerslife.com/products/medicare-supplement-insurance/","videoUrl":""},{"description":"Find out how long-term care insurance can help provide financial security in the event of an unexpected long-term illness.","gallery":[{"alternateText":"Doctor icon","clickthrough_url":"","description":"","details":"","sizes":[{"height":150,"url":"//dynl.mktgcdn.com/p/QSdLM9SneHZkydciL7io4kTZGYYm7FCaXg0P83bem3k/150x150.png","width":150}]}],"idCode":"","name":"Long-term Care Insurance","options":[],"price":{"additionalPriceText":"","cents":0,"range":{"highCents":0,"lowCents":0},"type":"Hidden"},"url":"https://www.bankerslife.com/products/long-term-care-insurance/","videoUrl":""},{"description":"Learn how an annuity can help protect and grow your retirement savings.","gallery":[{"alternateText":"graph icon","clickthrough_url":"","description":"","details":"","sizes":[{"height":150,"url":"//dynl.mktgcdn.com/p/jpAoTETtFzyK7hiTZrpm9lrsZZgfyQNVhd04VAVkrKI/150x150.png","width":150}]}],"idCode":"","name":"Annuities","options":[],"price":{"additionalPriceText":"","cents":0,"range":{"highCents":0,"lowCents":0},"type":"Hidden"},"url":"https://www.bankerslife.com/products/annuities/","videoUrl":""}],"name":"Insurance Products"}],"title":"Insurance Products","type":"ProductList"},{"currency":"USD","id":1331121,"name":"Insurance Products - S8502","sections":[{"description":"","id":162239921,"items":[],"name":"Insurance Products"}],"title":"Insurance Products","type":"ProductList"}]

[]

[]

[]

[{"address1":"13602 Merriman Rd","address2":"","addressVisible":false,"androidAppUrl":"","associations":[],"attire":"UNSPECIFIED","brands":[],"city":"Livonia","cityLatitude":42.397285,"cityLongitude":-83.373703,"closed":false,"closedDate":0,"corporateCode":"QE801","country":"US","countryName":"United States","customByName":{"2nd Address 1":null,"2nd Address 2":null,"2nd City":null,"2nd Country Code":null,"2nd State":null,"2nd Zip Code":null,"AR License Number":null,"About Description":null,"Active on Pages":true,"Additional FA Only Requirements":null,"Agent":true,"Agent First Name":"Timothy","Agent ID":null,"Agent Last Name":"Sutton","Alert Banner Background Color":null,"Alert Banner CTA Text":null,"Alert Banner CTA URL":null,"Alert Banner Date Posted":null,"Alert Banner Font Color":null,"Alert Banner Text":null,"Alert Banner Title":null,"Article Dates":["3/6/20","2/20/20","2/6/20","7/22/19","5/1/19","4/16/19"],"Articles":[{"alternateText":"women-with-long-term-care-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/help-control-where-you-receive-care-with-long-term-care-insurance/","description":"Help Control Where You Receive Care with Long-Term Care Insurance","details":"Long-term care requires significant assets, so many people turn to long-term care insurance. Find out how it can help you control where you receive care.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/196x108.jpg","width":196}]},{"alternateText":"SECURE-Act-helps-grow-IRAs","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/how-the-secure-act-affects-your-iras/","description":"How the SECURE Act Affects Your IRAs","details":"You’ve probably heard about the SECURE Act, but you may not be sure if and how it affects you personally. The reality is, the Setting Every Community up for Retirement Enhancement Act of 2019, (SECURE Act), affects every single American who’s saving for retirement.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/196x108.jpg","width":196}]},{"alternateText":"senior-in-home-prepared-for-aging-in-place","clickthrough_url":"https://www.bankerslife.com/insights/life-events/5-ways-prepare-your-home-for-aging-in-place/","description":"5 Ways to Prepare Your Home for Aging in Place","details":"Many Baby Boomers want to age in place or stay in their own homes as they get older. Here are some ways to help prepare your home for aging in place.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/196x108.jpg","width":196}]},{"alternateText":"family-with-life-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/what-is-life-insurance/","description":"What is Life Insurance?","details":"Many Americans lack understanding about life insurance. Check out our guide to learn all about the different types and find out if it’s right for you.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/196x108.jpg","width":196}]},{"alternateText":"family-with-retirement-annuity","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/about-annuities-for-retirement/","description":"Annuities for Retirement","details":"A retirement annuity offers a way to protect the money you’ve saved, while providing extra retirement income. Learn more on our blog!","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/196x108.jpg","width":196}]},{"alternateText":"couples-researching-medicare","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/14-medicare-terms-know/","description":"14 Medicare Terms to Know","details":"Studies show many pre-Medicare adults have low confidence in their ability to understand insurance terms. Here’s a glossary of Medicare words to know.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/196x108.jpg","width":196}]}],"Associated Locations":null,"Benefits":null,"Branch Email":null,"Branch ID":"3164","Branch Name":null,"Branch-Agent linked location":null,"Business Name Field":null,"CA License Number":null,"Comparison":null,"Contract Date":null,"Core CTA text":null,"Direct Dial Phone Number":null,"Exempt from Agent ETL":null,"Exempt from ETL":null,"FAQ Answer 4":"Bankers Life offers life insurance, Medicare supplement insurance and Medicare Advantage insurance, long-term care insurance, supplemental health insurance, as well as annuity products.","FAQ Answer 5":"Call us at \u003ca href=\"tel:888-991-4225\"\u003e(888) 991-4225\u003c/a\u003e, or submit a request via our \u003ca href=\"https://www.bankerslife.com/contact-us/get-a-quote/\"\u003ewebsite\u003c/a\u003e.","FAQ Answer 6":"An annuity is a financial vehicle designed to help you accumulate money for retirement or turn your retirement savings into an income stream.","FAQ Answer 7":"If someone depends on you financially, you likely need life insurance.  The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Representatives (FR) and Investment Advisors (IA) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FR and/or IA is permitted to open a client account or provide investment services, we determine if the FR and/or IA is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Hero Image SAP":null,"Hero Text":null,"Investment Advisor":null,"Licensed In":null,"Linked Entities":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":null,"Locator Zip Codes":[],"Medicare Description":null,"NM License Number":null,"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.\n\n\u003cstrong\u003eCommunity involvement\u003c/strong\u003e\nBankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.","Pages - Agent About Section Link":"https://www.bankerslife.com","Pages - Agent About Section Link Text":"bankerslife.com","Pages - Agent About Section Title":"About Bankers Life","Pages - Agent About section photo":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":297,"url":"//dynl.mktgcdn.com/p/8hCSx7l6lOM_SD4gRMu5d7eSwO2blVV3xEO-1eKojpI/365x297.jpg","width":365},{"height":159,"url":"//dynl.mktgcdn.com/p/8hCSx7l6lOM_SD4gRMu5d7eSwO2blVV3xEO-1eKojpI/196x159.jpg","width":196}]},"Pages - Agent Bankers Life Designations":null,"Pages - Agent Business Philosophy":null,"Pages - Agent CTA 1 Text":"Request an Appointment","Pages - Agent CTA 2 Text":"Get a quote","Pages - Agent Community Involvement":"Michigan American Legion, Veteran USMC","Pages - Agent Coursework":null,"Pages - Agent Education":"BA, Michigan State University Economics, Wayne State University, Economic (Graduate Program)","Pages - Agent Event Section Title":null,"Pages - Agent FA Designations":null,"Pages - Agent FA Philosophy":null,"Pages - Agent Headshot":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":1500,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/1500x1500.jpg","width":1500},{"height":619,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/619x619.jpg","width":619},{"height":450,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/450x450.jpg","width":450},{"height":195,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/195x195.jpg","width":195}]},"Pages - Agent Insurance Designations":null,"Pages - Agent Languages":null,"Pages - Agent LinkedIn":null,"Pages - Agent Military Services":null,"Pages - Agent Products 1 Header":"Featured Insurance Products","Pages - Agent Products 1 disclosures":null,"Pages - Agent Products 2 Header":"Financial Services","Pages - Agent Products 2 disclosures":null,"Pages - Agent Quote CTA text":"Request a Free Quote","Pages - Agent Quote CTA url":null,"Pages - Agent Quote Disclaimer Text":null,"Pages - Agent Quote Form Phone text":"for more information","Pages - Agent Quote Form Title":null,"Pages - Agent Residence":"Wife, Rebecca. Son, Lucas","Pages - Agent States Licensed":"MI","Pages - Agent Title":null,"Pages - Agent Title 1":"Insurance Sales Representative","Pages - Agent Title 1 Company":"BANKERS LIFE AND CASUALTY COMPANY","Pages - Agent Title 2":null,"Pages - Agent information section header":"Meet Timothy Sutton","Pages - Agent other locations":null,"Pages - Agent previous work experience":null,"Pages - Agent year - FA":null,"Pages - Agent year - Insurance Agent":"2020","Pages - Agent year joined":"2020","Pages - FA or IAR Designation":null,"Pages - Hearsay":false,"Pages - Hearsay Workspace ID (GroupID)":null,"Pages - Notification Banner":null,"Pages - Video Section":[{"description":"Do you have six months’ worth saved of living expenses?\nUse life insurance to help protect your family’s future.","youtubeId":"2TyUYOTe2Mw"},{"description":"Life insurance that pays benefits while you’re living?\nBeyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.","youtubeId":"S8vb85RFTZw"},{"description":"Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!","youtubeId":"jDdA2kC0a_w"},{"description":"Find out how life insurance can be an important aspect of retirement planning.  Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.","youtubeId":"jOk9Eoo2yWg"},{"description":"Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.","youtubeId":"VRKF32I7v8o"},{"description":"Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.","youtubeId":"Acsjj0a-M1I"}],"Pages URL":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/timothy-sutton","Parts of Medicare":null,"Profile Type":[],"Recognition Banner":null,"Recognition Date":null,"Recognition Text":null,"Reporting Office":null,"Reviews CTA":null,"State License Numbers":null,"Table":null,"Table Description":null,"Table Disclaimer":null,"Table Heading":null,"Territory":null,"Title":null,"Videos":null},"description":"With a history dating back to 1879, Bankers Life provides a broad selection of life insurance and health insurance products designed especially for Americans who are near or in retirement. With more than 260 offices across the country, our more than 4,200 insurance agents/producers live and work in the communities they serve. Our agents/producers take the time to get to know you as their customers, listen to your needs and values, and are dedicated to helping you meet your goals for a secure retirement. Get to know Bankers Life - and learn why our more than 1.5 million customers trust us to help protect their financial future, ensuring a healthier and rewarding retirement. The Bankers Life brand is a part of CNO Financial Group, Inc., whose companies provide insurance solutions that help protect the health and retirement needs of working Americans and retirees.","displayAddress":"","distance":"0.00","dropoffLatitude":0,"dropoffLongitude":0,"emails":["timothy.sutton@bankerslife.com"],"externalReviews":{},"facebookCta":{"indeterminate":false,"timestamp":202009092110387640,"type":"CALL_NOW","value":"(734) 655-7056","valueVersion":[]},"facebookPageUrl":"","fax":"","feedbackUrl":"","gallery":[],"hours":{"additionalText":"","days":[{"day":"MONDAY","intervals":[{"end":1700,"start":830}]},{"day":"TUESDAY","intervals":[{"end":1700,"start":830}]},{"day":"WEDNESDAY","intervals":[{"end":1700,"start":830}]},{"day":"THURSDAY","intervals":[{"end":1700,"start":830}]},{"day":"FRIDAY","intervals":[{"end":1700,"start":830}]},{"day":"SATURDAY","intervals":[]},{"day":"SUNDAY","intervals":[]}],"holidayHours":[]},"id":17437779,"instagramHandle":"","iosAppUrl":"","keywords":[],"labels":[107413,107590,107629,108742],"languages":[],"latitude":42.38164046328046,"linkedLocations":{},"listings":{"bing":{"placeId":"","url":"http://www.bing.com/maps?ss=ypid.YN873x8111181007875413373\u0026mkt=en-US"},"foursquare":{"placeId":"","url":"https://foursquare.com/venue/5f513beefd62f1095b2426a0"},"googleMyBusiness":{"placeId":"ChIJdyHed2izJIgR40DiqcGTY2Q","url":"https://maps.google.com/maps?cid=7233787886475296995"}},"locale":"en","logo":"","logoAlternateText":"","longitude":-83.3521337404928,"mealsServed":[],"name":"Timothy Sutton, Bankers Life Agent","paymentMethod":[],"phone":"(734) 655-7056","phones":[{"number":"7346557056","type":"MAIN"},{"number":"7345253754","type":"ALTERNATE"}],"pickupLatitude":0,"pickupLongitude":0,"postalCode":"48150","priceRange":0,"primaryLocale":"en","products":[],"profileLocale":"en","reviews":{},"routableLatitude":42.38128086156166,"routableLongitude":-83.35310335905169,"services":[],"specialOffer":{"description":"","url":""},"specialties":[],"state":"MI","stateName":"Michigan","sublocality":"","twitterHandle":"","types":["LOCATION"],"tz":"America/Detroit","uber":{"clientId":"","linkText":"","tripBrandingDescription":"","tripBrandingText":"","tripBrandingUrl":"","url":"https://m.uber.com/ul/?action=setPickup\u0026client_id=KXQcwoj2Zb8ymDzKgVgbIaDE5iAE_TAj\u0026dropoff%5Bformatted_address%5D=13602%20Merriman%20Rd%2C%20Livonia%2C%20MI\u0026dropoff%5Blatitude%5D=42.38128086156166\u0026dropoff%5Blongitude%5D=-83.35310335905169\u0026dropoff%5Bnickname%5D=Timothy%20Sutton%2C%20Bankers%20Life%20Agent\u0026pickup=my_location","wrappedUrl":"http://a.gotoloc.com/uber/F3UmTK2HXGk"},"url":"mi/livonia/13602-merriman-rd/timothy-sutton","urls":{"external":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/timothy-sutton","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/timothy-sutton"}},"utcOffsets":[{"offset":-14400,"start":1583650800},{"offset":-18000,"start":1604210400},{"offset":-14400,"start":1615705200}],"videos":[],"walkingLatitude":0,"walkingLongitude":0,"website":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/timothy-sutton","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/timothy-sutton"},"yearEstablished":""},{"address1":"13602 Merriman Rd","address2":"","addressVisible":false,"androidAppUrl":"","associations":[],"attire":"UNSPECIFIED","brands":[],"city":"Livonia","cityLatitude":42.397285,"cityLongitude":-83.373703,"closed":false,"closedDate":0,"corporateCode":"QF959","country":"US","countryName":"United States","customByName":{"2nd Address 1":null,"2nd Address 2":null,"2nd City":null,"2nd Country Code":null,"2nd State":null,"2nd Zip Code":null,"AR License Number":null,"About Description":null,"Active on Pages":true,"Additional FA Only Requirements":null,"Agent":true,"Agent First Name":"Kimberly","Agent ID":null,"Agent Last Name":"Burgos","Alert Banner Background Color":null,"Alert Banner CTA Text":null,"Alert Banner CTA URL":null,"Alert Banner Date Posted":null,"Alert Banner Font Color":null,"Alert Banner Text":null,"Alert Banner Title":null,"Article Dates":["3/6/20","2/20/20","2/6/20","7/22/19","5/1/19","4/16/19"],"Articles":[{"alternateText":"women-with-long-term-care-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/help-control-where-you-receive-care-with-long-term-care-insurance/","description":"Help Control Where You Receive Care with Long-Term Care Insurance","details":"Long-term care requires significant assets, so many people turn to long-term care insurance. Find out how it can help you control where you receive care.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/196x108.jpg","width":196}]},{"alternateText":"SECURE-Act-helps-grow-IRAs","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/how-the-secure-act-affects-your-iras/","description":"How the SECURE Act Affects Your IRAs","details":"You’ve probably heard about the SECURE Act, but you may not be sure if and how it affects you personally. The reality is, the Setting Every Community up for Retirement Enhancement Act of 2019, (SECURE Act), affects every single American who’s saving for retirement.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/196x108.jpg","width":196}]},{"alternateText":"senior-in-home-prepared-for-aging-in-place","clickthrough_url":"https://www.bankerslife.com/insights/life-events/5-ways-prepare-your-home-for-aging-in-place/","description":"5 Ways to Prepare Your Home for Aging in Place","details":"Many Baby Boomers want to age in place or stay in their own homes as they get older. Here are some ways to help prepare your home for aging in place.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/196x108.jpg","width":196}]},{"alternateText":"family-with-life-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/what-is-life-insurance/","description":"What is Life Insurance?","details":"Many Americans lack understanding about life insurance. Check out our guide to learn all about the different types and find out if it’s right for you.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/196x108.jpg","width":196}]},{"alternateText":"family-with-retirement-annuity","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/about-annuities-for-retirement/","description":"Annuities for Retirement","details":"A retirement annuity offers a way to protect the money you’ve saved, while providing extra retirement income. Learn more on our blog!","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/196x108.jpg","width":196}]},{"alternateText":"couples-researching-medicare","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/14-medicare-terms-know/","description":"14 Medicare Terms to Know","details":"Studies show many pre-Medicare adults have low confidence in their ability to understand insurance terms. Here’s a glossary of Medicare words to know.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/196x108.jpg","width":196}]}],"Associated Locations":null,"Benefits":null,"Branch Email":null,"Branch ID":"3164","Branch Name":null,"Branch-Agent linked location":null,"Business Name Field":null,"CA License Number":null,"Comparison":null,"Contract Date":null,"Core CTA text":null,"Direct Dial Phone Number":null,"Exempt from Agent ETL":null,"Exempt from ETL":null,"FAQ Answer 4":"Bankers Life offers life insurance, Medicare supplement insurance and Medicare Advantage insurance, long-term care insurance, supplemental health insurance, as well as annuity products.","FAQ Answer 5":"Call us at \u003ca href=\"tel:888-991-4225\"\u003e(888) 991-4225\u003c/a\u003e, or submit a request via our \u003ca href=\"https://www.bankerslife.com/contact-us/get-a-quote/\"\u003ewebsite\u003c/a\u003e.","FAQ Answer 6":"An annuity is a financial vehicle designed to help you accumulate money for retirement or turn your retirement savings into an income stream.","FAQ Answer 7":"If someone depends on you financially, you likely need life insurance.  The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Representatives (FR) and Investment Advisors (IA) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FR and/or IA is permitted to open a client account or provide investment services, we determine if the FR and/or IA is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Hero Image SAP":null,"Hero Text":null,"Investment Advisor":null,"Licensed In":null,"Linked Entities":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":null,"Locator Zip Codes":[],"Medicare Description":null,"NM License Number":null,"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.\n\n\u003cstrong\u003eCommunity involvement\u003c/strong\u003e\nBankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.","Pages - Agent About Section Link":"https://www.bankerslife.com","Pages - Agent About Section Link Text":"bankerslife.com","Pages - Agent About Section Title":"About Bankers Life","Pages - Agent About section photo":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":223,"url":"//dynl.mktgcdn.com/p/acFfnvbuheK1VrC08pYWlQ2iploCch8GXBDF9Vi7aGM/196x223.png","width":196}]},"Pages - Agent Bankers Life Designations":null,"Pages - Agent Business Philosophy":null,"Pages - Agent CTA 1 Text":"Request an Appointment","Pages - Agent CTA 2 Text":"Get a quote","Pages - Agent Community Involvement":null,"Pages - Agent Coursework":null,"Pages - Agent Education":null,"Pages - Agent Event Section Title":null,"Pages - Agent FA Designations":null,"Pages - Agent FA Philosophy":null,"Pages - Agent Headshot":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":1500,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/1500x1500.jpg","width":1500},{"height":619,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/619x619.jpg","width":619},{"height":450,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/450x450.jpg","width":450},{"height":195,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/195x195.jpg","width":195}]},"Pages - Agent Insurance Designations":null,"Pages - Agent Languages":null,"Pages - Agent LinkedIn":null,"Pages - Agent Military Services":null,"Pages - Agent Products 1 Header":"Featured Insurance Products","Pages - Agent Products 1 disclosures":null,"Pages - Agent Products 2 Header":"Financial Services","Pages - Agent Products 2 disclosures":null,"Pages - Agent Quote CTA text":"Request a Free Quote","Pages - Agent Quote CTA url":null,"Pages - Agent Quote Disclaimer Text":null,"Pages - Agent Quote Form Phone text":"for more information","Pages - Agent Quote Form Title":null,"Pages - Agent Residence":null,"Pages - Agent States Licensed":null,"Pages - Agent Title":null,"Pages - Agent Title 1":"Insurance Sales Representative","Pages - Agent Title 1 Company":"BANKERS LIFE AND CASUALTY COMPANY","Pages - Agent Title 2":null,"Pages - Agent information section header":"Meet Kimberly Burgos","Pages - Agent other locations":null,"Pages - Agent previous work experience":null,"Pages - Agent year - FA":null,"Pages - Agent year - Insurance Agent":null,"Pages - Agent year joined":null,"Pages - FA or IAR Designation":null,"Pages - Hearsay":false,"Pages - Hearsay Workspace ID (GroupID)":null,"Pages - Notification Banner":null,"Pages - Video Section":[{"description":"Do you have six months’ worth saved of living expenses?\nUse life insurance to help protect your family’s future.","youtubeId":"2TyUYOTe2Mw"},{"description":"Life insurance that pays benefits while you’re living?\nBeyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.","youtubeId":"S8vb85RFTZw"},{"description":"Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!","youtubeId":"jDdA2kC0a_w"},{"description":"Find out how life insurance can be an important aspect of retirement planning.  Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.","youtubeId":"jOk9Eoo2yWg"},{"description":"Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.","youtubeId":"VRKF32I7v8o"},{"description":"Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.","youtubeId":"Acsjj0a-M1I"}],"Pages URL":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/kimberly-burgos","Parts of Medicare":null,"Profile Type":[],"Recognition Banner":null,"Recognition Date":null,"Recognition Text":null,"Reporting Office":null,"Reviews CTA":null,"State License Numbers":null,"Table":null,"Table Description":null,"Table Disclaimer":null,"Table Heading":null,"Territory":null,"Title":null,"Videos":null},"description":"With a history dating back to 1879, Bankers Life provides a broad selection of life insurance and health insurance products designed especially for Americans who are near or in retirement. With more than 260 offices across the country, our more than 4,200 insurance agents/producers live and work in the communities they serve. Our agents/producers take the time to get to know you as their customers, listen to your needs and values, and are dedicated to helping you meet your goals for a secure retirement. Get to know Bankers Life - and learn why our more than 1.5 million customers trust us to help protect their financial future, ensuring a healthier and rewarding retirement. The Bankers Life brand is a part of CNO Financial Group, Inc., whose companies provide insurance solutions that help protect the health and retirement needs of working Americans and retirees.","displayAddress":"","distance":"0.00","dropoffLatitude":0,"dropoffLongitude":0,"emails":["kimberly.burgos@bankerslife.com"],"externalReviews":{},"facebookCta":{"indeterminate":false,"timestamp":202009092110589310,"type":"CALL_NOW","value":"(734) 655-7081","valueVersion":[]},"facebookPageUrl":"","fax":"","feedbackUrl":"","gallery":[],"hours":{"additionalText":"","days":[{"day":"MONDAY","intervals":[{"end":1700,"start":830}]},{"day":"TUESDAY","intervals":[{"end":1700,"start":830}]},{"day":"WEDNESDAY","intervals":[{"end":1700,"start":830}]},{"day":"THURSDAY","intervals":[{"end":1700,"start":830}]},{"day":"FRIDAY","intervals":[{"end":1700,"start":830}]},{"day":"SATURDAY","intervals":[]},{"day":"SUNDAY","intervals":[]}],"holidayHours":[]},"id":17438787,"instagramHandle":"","iosAppUrl":"","keywords":[],"labels":[107413,107592,107629,108742],"languages":[],"latitude":42.38163846292525,"linkedLocations":{},"listings":{"bing":{"placeId":"","url":"http://www.bing.com/maps?ss=ypid.YN873x14785322452048358764\u0026mkt=en-US"},"foursquare":{"placeId":"","url":"https://foursquare.com/venue/5f51074402d4d8360b647dd0"},"googleMyBusiness":{"placeId":"ChIJt-5D1FuzJIgR-YXt5x8Qb0w","url":"https://maps.google.com/maps?cid=5507638598518539769"}},"locale":"en","logo":"","logoAlternateText":"","longitude":-83.35212703497027,"mealsServed":[],"name":"Kimberly Burgos, Bankers Life Agent","paymentMethod":[],"phone":"(734) 655-7081","phones":[{"number":"7346557081","type":"MAIN"},{"number":"7345253754","type":"ALTERNATE"}],"pickupLatitude":0,"pickupLongitude":0,"postalCode":"48150","priceRange":0,"primaryLocale":"en","products":[],"profileLocale":"en","reviews":{},"routableLatitude":42.381313060747104,"routableLongitude":-83.35308774042376,"services":[],"specialOffer":{"description":"","url":""},"specialties":[],"state":"MI","stateName":"Michigan","sublocality":"","twitterHandle":"","types":["LOCATION"],"tz":"America/Detroit","uber":{"clientId":"","linkText":"","tripBrandingDescription":"","tripBrandingText":"","tripBrandingUrl":"","url":"https://m.uber.com/ul/?action=setPickup\u0026client_id=KXQcwoj2Zb8ymDzKgVgbIaDE5iAE_TAj\u0026dropoff%5Bformatted_address%5D=13602%20Merriman%20Rd%2C%20Livonia%2C%20MI\u0026dropoff%5Blatitude%5D=42.381313060747104\u0026dropoff%5Blongitude%5D=-83.35308774042376\u0026dropoff%5Bnickname%5D=Kimberly%20Burgos%2C%20Bankers%20Life%20Agent\u0026pickup=my_location","wrappedUrl":"http://a.gotoloc.com/uber/F3UmTKKHU2c"},"url":"mi/livonia/13602-merriman-rd/kimberly-burgos","urls":{"external":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/kimberly-burgos","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/kimberly-burgos"}},"utcOffsets":[{"offset":-14400,"start":1583650800},{"offset":-18000,"start":1604210400},{"offset":-14400,"start":1615705200}],"videos":[],"walkingLatitude":0,"walkingLongitude":0,"website":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/kimberly-burgos","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/kimberly-burgos"},"yearEstablished":""},{"address1":"13602 Merriman Rd","address2":"","addressVisible":false,"androidAppUrl":"","associations":[],"attire":"UNSPECIFIED","brands":[],"city":"Livonia","cityLatitude":42.397285,"cityLongitude":-83.373703,"closed":false,"closedDate":0,"corporateCode":"H2337","country":"US","countryName":"United States","customByName":{"2nd Address 1":null,"2nd Address 2":null,"2nd City":null,"2nd Country Code":null,"2nd State":null,"2nd Zip Code":null,"AR License Number":null,"About Description":null,"Active on Pages":true,"Additional FA Only Requirements":null,"Agent":true,"Agent First Name":"Duane","Agent ID":null,"Agent Last Name":"Rolaff","Alert Banner Background Color":null,"Alert Banner CTA Text":null,"Alert Banner CTA URL":null,"Alert Banner Date Posted":null,"Alert Banner Font Color":null,"Alert Banner Text":null,"Alert Banner Title":null,"Article Dates":["3/6/20","2/20/20","2/6/20","7/22/19","5/1/19","4/16/19"],"Articles":[{"alternateText":"women-with-long-term-care-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/help-control-where-you-receive-care-with-long-term-care-insurance/","description":"Help Control Where You Receive Care with Long-Term Care Insurance","details":"Long-term care requires significant assets, so many people turn to long-term care insurance. Find out how it can help you control where you receive care.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/196x108.jpg","width":196}]},{"alternateText":"SECURE-Act-helps-grow-IRAs","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/how-the-secure-act-affects-your-iras/","description":"How the SECURE Act Affects Your IRAs","details":"You’ve probably heard about the SECURE Act, but you may not be sure if and how it affects you personally. The reality is, the Setting Every Community up for Retirement Enhancement Act of 2019, (SECURE Act), affects every single American who’s saving for retirement.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/196x108.jpg","width":196}]},{"alternateText":"senior-in-home-prepared-for-aging-in-place","clickthrough_url":"https://www.bankerslife.com/insights/life-events/5-ways-prepare-your-home-for-aging-in-place/","description":"5 Ways to Prepare Your Home for Aging in Place","details":"Many Baby Boomers want to age in place or stay in their own homes as they get older. Here are some ways to help prepare your home for aging in place.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/196x108.jpg","width":196}]},{"alternateText":"family-with-life-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/what-is-life-insurance/","description":"What is Life Insurance?","details":"Many Americans lack understanding about life insurance. Check out our guide to learn all about the different types and find out if it’s right for you.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/196x108.jpg","width":196}]},{"alternateText":"family-with-retirement-annuity","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/about-annuities-for-retirement/","description":"Annuities for Retirement","details":"A retirement annuity offers a way to protect the money you’ve saved, while providing extra retirement income. Learn more on our blog!","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/196x108.jpg","width":196}]},{"alternateText":"couples-researching-medicare","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/14-medicare-terms-know/","description":"14 Medicare Terms to Know","details":"Studies show many pre-Medicare adults have low confidence in their ability to understand insurance terms. Here’s a glossary of Medicare words to know.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/196x108.jpg","width":196}]}],"Associated Locations":null,"Benefits":null,"Branch Email":null,"Branch ID":"3164","Branch Name":null,"Branch-Agent linked location":null,"Business Name Field":null,"CA License Number":null,"Comparison":null,"Contract Date":null,"Core CTA text":null,"Direct Dial Phone Number":null,"Exempt from Agent ETL":null,"Exempt from ETL":null,"FAQ Answer 4":"Bankers Life offers life insurance, Medicare supplement insurance and Medicare Advantage insurance, long-term care insurance, supplemental health insurance, as well as annuity products.","FAQ Answer 5":"Call us at \u003ca href=\"tel:888-991-4225\"\u003e(888) 991-4225\u003c/a\u003e, or submit a request via our \u003ca href=\"https://www.bankerslife.com/contact-us/get-a-quote/\"\u003ewebsite\u003c/a\u003e.","FAQ Answer 6":"An annuity is a financial vehicle designed to help you accumulate money for retirement or turn your retirement savings into an income stream.","FAQ Answer 7":"If someone depends on you financially, you likely need life insurance.  The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Representatives (FR) and Investment Advisors (IA) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FR and/or IA is permitted to open a client account or provide investment services, we determine if the FR and/or IA is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Hero Image SAP":null,"Hero Text":null,"Investment Advisor":null,"Licensed In":null,"Linked Entities":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":null,"Locator Zip Codes":[],"Medicare Description":null,"NM License Number":null,"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.\n\n\u003cstrong\u003eCommunity involvement\u003c/strong\u003e\nBankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.","Pages - Agent About Section Link":"https://www.bankerslife.com","Pages - Agent About Section Link Text":"bankerslife.com","Pages - Agent About Section Title":"About Bankers Life","Pages - Agent About section photo":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":223,"url":"//dynl.mktgcdn.com/p/acFfnvbuheK1VrC08pYWlQ2iploCch8GXBDF9Vi7aGM/196x223.png","width":196}]},"Pages - Agent Bankers Life Designations":null,"Pages - Agent Business Philosophy":null,"Pages - Agent CTA 1 Text":"Request an Appointment","Pages - Agent CTA 2 Text":"Get a quote","Pages - Agent Community Involvement":null,"Pages - Agent Coursework":null,"Pages - Agent Education":null,"Pages - Agent Event Section Title":null,"Pages - Agent FA Designations":null,"Pages - Agent FA Philosophy":null,"Pages - Agent Headshot":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":1500,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/1500x1500.jpg","width":1500},{"height":619,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/619x619.jpg","width":619},{"height":450,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/450x450.jpg","width":450},{"height":195,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/195x195.jpg","width":195}]},"Pages - Agent Insurance Designations":null,"Pages - Agent Languages":null,"Pages - Agent LinkedIn":null,"Pages - Agent Military Services":null,"Pages - Agent Products 1 Header":"Featured Insurance Products","Pages - Agent Products 1 disclosures":null,"Pages - Agent Products 2 Header":"Financial Services","Pages - Agent Products 2 disclosures":null,"Pages - Agent Quote CTA text":"Request a Free Quote","Pages - Agent Quote CTA url":null,"Pages - Agent Quote Disclaimer Text":null,"Pages - Agent Quote Form Phone text":"for more information","Pages - Agent Quote Form Title":null,"Pages - Agent Residence":null,"Pages - Agent States Licensed":null,"Pages - Agent Title":null,"Pages - Agent Title 1":"Insurance Sales Representative","Pages - Agent Title 1 Company":"BANKERS LIFE AND CASUALTY COMPANY","Pages - Agent Title 2":null,"Pages - Agent information section header":"Meet Duane Rolaff","Pages - Agent other locations":null,"Pages - Agent previous work experience":null,"Pages - Agent year - FA":null,"Pages - Agent year - Insurance Agent":null,"Pages - Agent year joined":null,"Pages - FA or IAR Designation":null,"Pages - Hearsay":false,"Pages - Hearsay Workspace ID (GroupID)":null,"Pages - Notification Banner":null,"Pages - Video Section":[{"description":"Do you have six months’ worth saved of living expenses?\nUse life insurance to help protect your family’s future.","youtubeId":"2TyUYOTe2Mw"},{"description":"Life insurance that pays benefits while you’re living?\nBeyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.","youtubeId":"S8vb85RFTZw"},{"description":"Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!","youtubeId":"jDdA2kC0a_w"},{"description":"Find out how life insurance can be an important aspect of retirement planning.  Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.","youtubeId":"jOk9Eoo2yWg"},{"description":"Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.","youtubeId":"VRKF32I7v8o"},{"description":"Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.","youtubeId":"Acsjj0a-M1I"}],"Pages URL":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/duane-rolaff","Parts of Medicare":null,"Profile Type":[],"Recognition Banner":null,"Recognition Date":null,"Recognition Text":null,"Reporting Office":null,"Reviews CTA":null,"State License Numbers":null,"Table":null,"Table Description":null,"Table Disclaimer":null,"Table Heading":null,"Territory":null,"Title":null,"Videos":null},"description":"With a history dating back to 1879, Bankers Life provides a broad selection of life insurance and health insurance products designed especially for Americans who are near or in retirement. With more than 260 offices across the country, our more than 4,200 insurance agents/producers live and work in the communities they serve. Our agents/producers take the time to get to know you as their customers, listen to your needs and values, and are dedicated to helping you meet your goals for a secure retirement. Get to know Bankers Life - and learn why our more than 1.5 million customers trust us to help protect their financial future, ensuring a healthier and rewarding retirement. The Bankers Life brand is a part of CNO Financial Group, Inc., whose companies provide insurance solutions that help protect the health and retirement needs of working Americans and retirees.","displayAddress":"","distance":"0.00","dropoffLatitude":0,"dropoffLongitude":0,"emails":["duane.rolaff@bankerslife.com"],"externalReviews":{},"facebookCta":{"indeterminate":false,"timestamp":202009092110589170,"type":"CALL_NOW","value":"(734) 655-7057","valueVersion":[]},"facebookPageUrl":"","fax":"","feedbackUrl":"","gallery":[],"hours":{"additionalText":"","days":[{"day":"MONDAY","intervals":[{"end":1700,"start":830}]},{"day":"TUESDAY","intervals":[{"end":1700,"start":830}]},{"day":"WEDNESDAY","intervals":[{"end":1700,"start":830}]},{"day":"THURSDAY","intervals":[{"end":1700,"start":830}]},{"day":"FRIDAY","intervals":[{"end":1700,"start":830}]},{"day":"SATURDAY","intervals":[]},{"day":"SUNDAY","intervals":[]}],"holidayHours":[]},"id":17438634,"instagramHandle":"","iosAppUrl":"","keywords":[],"labels":[107413,107592,107629,108742],"languages":[],"latitude":42.38164132047847,"linkedLocations":{},"listings":{"bing":{"placeId":"","url":"http://www.bing.com/maps?ss=ypid.YN873x14672952836715635120\u0026mkt=en-US"},"foursquare":{"placeId":"","url":"https://foursquare.com/venue/5f5126be9059060d8f64b3d2"},"googleMyBusiness":{"placeId":"ChIJGYPsrP-zJIgRDTYKd0vS7gM","url":"https://maps.google.com/maps?cid=283395048132457997"}},"locale":"en","logo":"","logoAlternateText":"","longitude":-83.35211785916007,"mealsServed":[],"name":"Duane Rolaff, Bankers Life Agent","paymentMethod":[],"phone":"(734) 655-7057","phones":[{"number":"7346557057","type":"MAIN"},{"number":"7345253754","type":"ALTERNATE"}],"pickupLatitude":0,"pickupLongitude":0,"postalCode":"48150","priceRange":0,"primaryLocale":"en","products":[],"profileLocale":"en","reviews":{},"routableLatitude":42.38132431632031,"routableLongitude":-83.35309284213699,"services":[],"specialOffer":{"description":"","url":""},"specialties":[],"state":"MI","stateName":"Michigan","sublocality":"","twitterHandle":"","types":["LOCATION"],"tz":"America/Detroit","uber":{"clientId":"","linkText":"","tripBrandingDescription":"","tripBrandingText":"","tripBrandingUrl":"","url":"https://m.uber.com/ul/?action=setPickup\u0026client_id=KXQcwoj2Zb8ymDzKgVgbIaDE5iAE_TAj\u0026dropoff%5Bformatted_address%5D=13602%20Merriman%20Rd%2C%20Livonia%2C%20MI\u0026dropoff%5Blatitude%5D=42.38132431632031\u0026dropoff%5Blongitude%5D=-83.35309284213699\u0026dropoff%5Bnickname%5D=Duane%20Rolaff%2C%20Bankers%20Life%20Agent\u0026pickup=my_location","wrappedUrl":"http://a.gotoloc.com/uber/F3UmTKKGWGQ"},"url":"mi/livonia/13602-merriman-rd/duane-rolaff","urls":{"external":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/duane-rolaff","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/duane-rolaff"}},"utcOffsets":[{"offset":-14400,"start":1583650800},{"offset":-18000,"start":1604210400},{"offset":-14400,"start":1615705200}],"videos":[],"walkingLatitude":0,"walkingLongitude":0,"website":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/duane-rolaff","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/duane-rolaff"},"yearEstablished":""},{"address1":"13602 Merriman Rd","address2":"","addressVisible":false,"androidAppUrl":"","associations":[],"attire":"UNSPECIFIED","brands":[],"city":"Livonia","cityLatitude":42.397285,"cityLongitude":-83.373703,"closed":false,"closedDate":0,"corporateCode":"Z7111","country":"US","countryName":"United States","customByName":{"2nd Address 1":null,"2nd Address 2":null,"2nd City":null,"2nd Country Code":null,"2nd State":null,"2nd Zip Code":null,"AR License Number":null,"About Description":null,"Active on Pages":true,"Additional FA Only Requirements":null,"Agent":true,"Agent First Name":"Ashley","Agent ID":null,"Agent Last Name":"Smith","Alert Banner Background Color":null,"Alert Banner CTA Text":null,"Alert Banner CTA URL":null,"Alert Banner Date Posted":null,"Alert Banner Font Color":null,"Alert Banner Text":null,"Alert Banner Title":null,"Article Dates":["3/6/20","2/20/20","2/6/20","7/22/19","5/1/19","4/16/19"],"Articles":[{"alternateText":"women-with-long-term-care-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/help-control-where-you-receive-care-with-long-term-care-insurance/","description":"Help Control Where You Receive Care with Long-Term Care Insurance","details":"Long-term care requires significant assets, so many people turn to long-term care insurance. Find out how it can help you control where you receive care.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/196x108.jpg","width":196}]},{"alternateText":"SECURE-Act-helps-grow-IRAs","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/how-the-secure-act-affects-your-iras/","description":"How the SECURE Act Affects Your IRAs","details":"You’ve probably heard about the SECURE Act, but you may not be sure if and how it affects you personally. The reality is, the Setting Every Community up for Retirement Enhancement Act of 2019, (SECURE Act), affects every single American who’s saving for retirement.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/196x108.jpg","width":196}]},{"alternateText":"senior-in-home-prepared-for-aging-in-place","clickthrough_url":"https://www.bankerslife.com/insights/life-events/5-ways-prepare-your-home-for-aging-in-place/","description":"5 Ways to Prepare Your Home for Aging in Place","details":"Many Baby Boomers want to age in place or stay in their own homes as they get older. Here are some ways to help prepare your home for aging in place.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/196x108.jpg","width":196}]},{"alternateText":"family-with-life-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/what-is-life-insurance/","description":"What is Life Insurance?","details":"Many Americans lack understanding about life insurance. Check out our guide to learn all about the different types and find out if it’s right for you.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/196x108.jpg","width":196}]},{"alternateText":"family-with-retirement-annuity","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/about-annuities-for-retirement/","description":"Annuities for Retirement","details":"A retirement annuity offers a way to protect the money you’ve saved, while providing extra retirement income. Learn more on our blog!","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/196x108.jpg","width":196}]},{"alternateText":"couples-researching-medicare","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/14-medicare-terms-know/","description":"14 Medicare Terms to Know","details":"Studies show many pre-Medicare adults have low confidence in their ability to understand insurance terms. Here’s a glossary of Medicare words to know.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/196x108.jpg","width":196}]}],"Associated Locations":null,"Benefits":null,"Branch Email":null,"Branch ID":"3164","Branch Name":null,"Branch-Agent linked location":null,"Business Name Field":null,"CA License Number":null,"Comparison":null,"Contract Date":null,"Core CTA text":null,"Direct Dial Phone Number":null,"Exempt from Agent ETL":null,"Exempt from ETL":null,"FAQ Answer 4":"Bankers Life offers life insurance, Medicare supplement insurance and Medicare Advantage insurance, long-term care insurance, supplemental health insurance, as well as annuity products.","FAQ Answer 5":"Call us at \u003ca href=\"tel:888-991-4225\"\u003e(888) 991-4225\u003c/a\u003e, or submit a request via our \u003ca href=\"https://www.bankerslife.com/contact-us/get-a-quote/\"\u003ewebsite\u003c/a\u003e.","FAQ Answer 6":"An annuity is a financial vehicle designed to help you accumulate money for retirement or turn your retirement savings into an income stream.","FAQ Answer 7":"If someone depends on you financially, you likely need life insurance.  The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Representatives (FR) and Investment Advisors (IA) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FR and/or IA is permitted to open a client account or provide investment services, we determine if the FR and/or IA is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Hero Image SAP":null,"Hero Text":null,"Investment Advisor":null,"Licensed In":null,"Linked Entities":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":null,"Locator Zip Codes":[],"Medicare Description":null,"NM License Number":null,"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.\n\n\u003cstrong\u003eCommunity involvement\u003c/strong\u003e\nBankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.","Pages - Agent About Section Link":"https://www.bankerslife.com","Pages - Agent About Section Link Text":"bankerslife.com","Pages - Agent About Section Title":"About Bankers Life","Pages - Agent About section photo":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":223,"url":"//dynl.mktgcdn.com/p/acFfnvbuheK1VrC08pYWlQ2iploCch8GXBDF9Vi7aGM/196x223.png","width":196}]},"Pages - Agent Bankers Life Designations":null,"Pages - Agent Business Philosophy":null,"Pages - Agent CTA 1 Text":"Request an Appointment","Pages - Agent CTA 2 Text":"Get a quote","Pages - Agent Community Involvement":null,"Pages - Agent Coursework":null,"Pages - Agent Education":null,"Pages - Agent Event Section Title":null,"Pages - Agent FA Designations":null,"Pages - Agent FA Philosophy":null,"Pages - Agent Headshot":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":1500,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/1500x1500.jpg","width":1500},{"height":619,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/619x619.jpg","width":619},{"height":450,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/450x450.jpg","width":450},{"height":195,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/195x195.jpg","width":195}]},"Pages - Agent Insurance Designations":null,"Pages - Agent Languages":null,"Pages - Agent LinkedIn":null,"Pages - Agent Military Services":null,"Pages - Agent Products 1 Header":"Featured Insurance Products","Pages - Agent Products 1 disclosures":null,"Pages - Agent Products 2 Header":"Financial Services","Pages - Agent Products 2 disclosures":null,"Pages - Agent Quote CTA text":"Request a Free Quote","Pages - Agent Quote CTA url":null,"Pages - Agent Quote Disclaimer Text":null,"Pages - Agent Quote Form Phone text":"for more information","Pages - Agent Quote Form Title":null,"Pages - Agent Residence":null,"Pages - Agent States Licensed":null,"Pages - Agent Title":null,"Pages - Agent Title 1":"Insurance Sales Representative","Pages - Agent Title 1 Company":"BANKERS LIFE AND CASUALTY COMPANY","Pages - Agent Title 2":null,"Pages - Agent information section header":"Meet Ashley Smith","Pages - Agent other locations":null,"Pages - Agent previous work experience":null,"Pages - Agent year - FA":null,"Pages - Agent year - Insurance Agent":null,"Pages - Agent year joined":null,"Pages - FA or IAR Designation":null,"Pages - Hearsay":false,"Pages - Hearsay Workspace ID (GroupID)":null,"Pages - Notification Banner":null,"Pages - Video Section":[{"description":"Do you have six months’ worth saved of living expenses?\nUse life insurance to help protect your family’s future.","youtubeId":"2TyUYOTe2Mw"},{"description":"Life insurance that pays benefits while you’re living?\nBeyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.","youtubeId":"S8vb85RFTZw"},{"description":"Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!","youtubeId":"jDdA2kC0a_w"},{"description":"Find out how life insurance can be an important aspect of retirement planning.  Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.","youtubeId":"jOk9Eoo2yWg"},{"description":"Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.","youtubeId":"VRKF32I7v8o"},{"description":"Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.","youtubeId":"Acsjj0a-M1I"}],"Pages URL":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/ashley-smith","Parts of Medicare":null,"Profile Type":[],"Recognition Banner":null,"Recognition Date":null,"Recognition Text":null,"Reporting Office":null,"Reviews CTA":null,"State License Numbers":null,"Table":null,"Table Description":null,"Table Disclaimer":null,"Table Heading":null,"Territory":null,"Title":null,"Videos":null},"description":"With a history dating back to 1879, Bankers Life provides a broad selection of life insurance and health insurance products designed especially for Americans who are near or in retirement. With more than 260 offices across the country, our more than 4,200 insurance agents/producers live and work in the communities they serve. Our agents/producers take the time to get to know you as their customers, listen to your needs and values, and are dedicated to helping you meet your goals for a secure retirement. Get to know Bankers Life - and learn why our more than 1.5 million customers trust us to help protect their financial future, ensuring a healthier and rewarding retirement. The Bankers Life brand is a part of CNO Financial Group, Inc., whose companies provide insurance solutions that help protect the health and retirement needs of working Americans and retirees.","displayAddress":"","distance":"0.00","dropoffLatitude":0,"dropoffLongitude":0,"emails":["ashley.smith@bankerslife.com"],"externalReviews":{},"facebookCta":{"indeterminate":false,"timestamp":202009092110164970,"type":"CALL_NOW","value":"(734) 655-7049","valueVersion":[]},"facebookPageUrl":"","fax":"","feedbackUrl":"","gallery":[],"hours":{"additionalText":"","days":[{"day":"MONDAY","intervals":[{"end":1700,"start":830}]},{"day":"TUESDAY","intervals":[{"end":1700,"start":830}]},{"day":"WEDNESDAY","intervals":[{"end":1700,"start":830}]},{"day":"THURSDAY","intervals":[{"end":1700,"start":830}]},{"day":"FRIDAY","intervals":[{"end":1700,"start":830}]},{"day":"SATURDAY","intervals":[]},{"day":"SUNDAY","intervals":[]}],"holidayHours":[]},"id":17437345,"instagramHandle":"","iosAppUrl":"","keywords":[],"labels":[107413,107590,107629,108742],"languages":[],"latitude":42.38163287907041,"linkedLocations":{},"listings":{"bing":{"placeId":"","url":"http://www.bing.com/maps?ss=ypid.YN873x4733002714235351164\u0026mkt=en-US"},"foursquare":{"placeId":"","url":"https://foursquare.com/venue/5f513c4779041665141cff2c"},"googleMyBusiness":{"placeId":"ChIJx4h5TKOzJIgRQz5TamJGjYY","url":"https://maps.google.com/maps?cid=9695482961303125571"}},"locale":"en","logo":"","logoAlternateText":"","longitude":-83.35214065792647,"mealsServed":[],"name":"Ashley Smith, Bankers Life Agent","paymentMethod":[],"phone":"(734) 655-7049","phones":[{"number":"7346557049","type":"MAIN"},{"number":"7345253754","type":"ALTERNATE"}],"pickupLatitude":0,"pickupLongitude":0,"postalCode":"48150","priceRange":0,"primaryLocale":"en","products":[],"profileLocale":"en","reviews":{},"routableLatitude":42.3813225992006,"routableLongitude":-83.3530837388952,"services":[],"specialOffer":{"description":"","url":""},"specialties":[],"state":"MI","stateName":"Michigan","sublocality":"","twitterHandle":"","types":["LOCATION"],"tz":"America/Detroit","uber":{"clientId":"","linkText":"","tripBrandingDescription":"","tripBrandingText":"","tripBrandingUrl":"","url":"https://m.uber.com/ul/?action=setPickup\u0026client_id=KXQcwoj2Zb8ymDzKgVgbIaDE5iAE_TAj\u0026dropoff%5Bformatted_address%5D=13602%20Merriman%20Rd%2C%20Livonia%2C%20MI\u0026dropoff%5Blatitude%5D=42.3813225992006\u0026dropoff%5Blongitude%5D=-83.3530837388952\u0026dropoff%5Bnickname%5D=Ashley%20Smith%2C%20Bankers%20Life%20Agent\u0026pickup=my_location","wrappedUrl":"http://a.gotoloc.com/uber/F3UmTK2DX2U"},"url":"mi/livonia/13602-merriman-rd/ashley-smith","urls":{"external":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/ashley-smith","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/ashley-smith"}},"utcOffsets":[{"offset":-14400,"start":1583650800},{"offset":-18000,"start":1604210400},{"offset":-14400,"start":1615705200}],"videos":[],"walkingLatitude":0,"walkingLongitude":0,"website":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/ashley-smith","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/ashley-smith"},"yearEstablished":""},{"address1":"13602 Merriman Rd","address2":"","addressVisible":false,"androidAppUrl":"","associations":[],"attire":"UNSPECIFIED","brands":[],"city":"Livonia","cityLatitude":42.397285,"cityLongitude":-83.373703,"closed":false,"closedDate":0,"corporateCode":"Z8359","country":"US","countryName":"United States","customByName":{"2nd Address 1":null,"2nd Address 2":null,"2nd City":null,"2nd Country Code":null,"2nd State":null,"2nd Zip Code":null,"AR License Number":null,"About Description":null,"Active on Pages":true,"Additional FA Only Requirements":null,"Agent":true,"Agent First Name":"Lloyd","Agent ID":null,"Agent Last Name":"Howell","Alert Banner Background Color":null,"Alert Banner CTA Text":null,"Alert Banner CTA URL":null,"Alert Banner Date Posted":null,"Alert Banner Font Color":null,"Alert Banner Text":null,"Alert Banner Title":null,"Article Dates":["3/6/20","2/20/20","2/6/20","7/22/19","5/1/19","4/16/19"],"Articles":[{"alternateText":"women-with-long-term-care-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/help-control-where-you-receive-care-with-long-term-care-insurance/","description":"Help Control Where You Receive Care with Long-Term Care Insurance","details":"Long-term care requires significant assets, so many people turn to long-term care insurance. Find out how it can help you control where you receive care.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/196x108.jpg","width":196}]},{"alternateText":"SECURE-Act-helps-grow-IRAs","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/how-the-secure-act-affects-your-iras/","description":"How the SECURE Act Affects Your IRAs","details":"You’ve probably heard about the SECURE Act, but you may not be sure if and how it affects you personally. The reality is, the Setting Every Community up for Retirement Enhancement Act of 2019, (SECURE Act), affects every single American who’s saving for retirement.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/196x108.jpg","width":196}]},{"alternateText":"senior-in-home-prepared-for-aging-in-place","clickthrough_url":"https://www.bankerslife.com/insights/life-events/5-ways-prepare-your-home-for-aging-in-place/","description":"5 Ways to Prepare Your Home for Aging in Place","details":"Many Baby Boomers want to age in place or stay in their own homes as they get older. Here are some ways to help prepare your home for aging in place.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/196x108.jpg","width":196}]},{"alternateText":"family-with-life-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/what-is-life-insurance/","description":"What is Life Insurance?","details":"Many Americans lack understanding about life insurance. Check out our guide to learn all about the different types and find out if it’s right for you.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/196x108.jpg","width":196}]},{"alternateText":"family-with-retirement-annuity","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/about-annuities-for-retirement/","description":"Annuities for Retirement","details":"A retirement annuity offers a way to protect the money you’ve saved, while providing extra retirement income. Learn more on our blog!","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/196x108.jpg","width":196}]},{"alternateText":"couples-researching-medicare","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/14-medicare-terms-know/","description":"14 Medicare Terms to Know","details":"Studies show many pre-Medicare adults have low confidence in their ability to understand insurance terms. Here’s a glossary of Medicare words to know.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/196x108.jpg","width":196}]}],"Associated Locations":null,"Benefits":null,"Branch Email":null,"Branch ID":"3164","Branch Name":null,"Branch-Agent linked location":null,"Business Name Field":null,"CA License Number":null,"Comparison":null,"Contract Date":null,"Core CTA text":null,"Direct Dial Phone Number":null,"Exempt from Agent ETL":null,"Exempt from ETL":null,"FAQ Answer 4":"Bankers Life offers life insurance, Medicare supplement insurance and Medicare Advantage insurance, long-term care insurance, supplemental health insurance, as well as annuity products.","FAQ Answer 5":"Call us at \u003ca href=\"tel:888-991-4225\"\u003e(888) 991-4225\u003c/a\u003e, or submit a request via our \u003ca href=\"https://www.bankerslife.com/contact-us/get-a-quote/\"\u003ewebsite\u003c/a\u003e.","FAQ Answer 6":"An annuity is a financial vehicle designed to help you accumulate money for retirement or turn your retirement savings into an income stream.","FAQ Answer 7":"If someone depends on you financially, you likely need life insurance.  The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Representatives (FR) and Investment Advisors (IA) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FR and/or IA is permitted to open a client account or provide investment services, we determine if the FR and/or IA is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Hero Image SAP":null,"Hero Text":null,"Investment Advisor":null,"Licensed In":null,"Linked Entities":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":null,"Locator Zip Codes":[],"Medicare Description":null,"NM License Number":null,"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.\n\n\u003cstrong\u003eCommunity involvement\u003c/strong\u003e\nBankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.","Pages - Agent About Section Link":"https://www.bankerslife.com","Pages - Agent About Section Link Text":"bankerslife.com","Pages - Agent About Section Title":"About Bankers Life","Pages - Agent About section photo":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":223,"url":"//dynl.mktgcdn.com/p/acFfnvbuheK1VrC08pYWlQ2iploCch8GXBDF9Vi7aGM/196x223.png","width":196}]},"Pages - Agent Bankers Life Designations":null,"Pages - Agent Business Philosophy":null,"Pages - Agent CTA 1 Text":"Request an Appointment","Pages - Agent CTA 2 Text":"Get a quote","Pages - Agent Community Involvement":null,"Pages - Agent Coursework":null,"Pages - Agent Education":null,"Pages - Agent Event Section Title":null,"Pages - Agent FA Designations":null,"Pages - Agent FA Philosophy":null,"Pages - Agent Headshot":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":1500,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/1500x1500.jpg","width":1500},{"height":619,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/619x619.jpg","width":619},{"height":450,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/450x450.jpg","width":450},{"height":195,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/195x195.jpg","width":195}]},"Pages - Agent Insurance Designations":null,"Pages - Agent Languages":null,"Pages - Agent LinkedIn":null,"Pages - Agent Military Services":null,"Pages - Agent Products 1 Header":"Featured Insurance Products","Pages - Agent Products 1 disclosures":null,"Pages - Agent Products 2 Header":"Financial Services","Pages - Agent Products 2 disclosures":null,"Pages - Agent Quote CTA text":"Request a Free Quote","Pages - Agent Quote CTA url":null,"Pages - Agent Quote Disclaimer Text":null,"Pages - Agent Quote Form Phone text":"for more information","Pages - Agent Quote Form Title":null,"Pages - Agent Residence":null,"Pages - Agent States Licensed":null,"Pages - Agent Title":null,"Pages - Agent Title 1":"Insurance Sales Representative","Pages - Agent Title 1 Company":"BANKERS LIFE AND CASUALTY COMPANY","Pages - Agent Title 2":null,"Pages - Agent information section header":"Meet Lloyd Howell","Pages - Agent other locations":null,"Pages - Agent previous work experience":null,"Pages - Agent year - FA":null,"Pages - Agent year - Insurance Agent":null,"Pages - Agent year joined":null,"Pages - FA or IAR Designation":null,"Pages - Hearsay":false,"Pages - Hearsay Workspace ID (GroupID)":null,"Pages - Notification Banner":null,"Pages - Video Section":[{"description":"Do you have six months’ worth saved of living expenses?\nUse life insurance to help protect your family’s future.","youtubeId":"2TyUYOTe2Mw"},{"description":"Life insurance that pays benefits while you’re living?\nBeyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.","youtubeId":"S8vb85RFTZw"},{"description":"Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!","youtubeId":"jDdA2kC0a_w"},{"description":"Find out how life insurance can be an important aspect of retirement planning.  Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.","youtubeId":"jOk9Eoo2yWg"},{"description":"Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.","youtubeId":"VRKF32I7v8o"},{"description":"Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.","youtubeId":"Acsjj0a-M1I"}],"Pages URL":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/lloyd-howell","Parts of Medicare":null,"Profile Type":[],"Recognition Banner":null,"Recognition Date":null,"Recognition Text":null,"Reporting Office":null,"Reviews CTA":null,"State License Numbers":null,"Table":null,"Table Description":null,"Table Disclaimer":null,"Table Heading":null,"Territory":null,"Title":null,"Videos":null},"description":"With a history dating back to 1879, Bankers Life provides a broad selection of life insurance and health insurance products designed especially for Americans who are near or in retirement. With more than 260 offices across the country, our more than 4,200 insurance agents/producers live and work in the communities they serve. Our agents/producers take the time to get to know you as their customers, listen to your needs and values, and are dedicated to helping you meet your goals for a secure retirement. Get to know Bankers Life - and learn why our more than 1.5 million customers trust us to help protect their financial future, ensuring a healthier and rewarding retirement. The Bankers Life brand is a part of CNO Financial Group, Inc., whose companies provide insurance solutions that help protect the health and retirement needs of working Americans and retirees.","displayAddress":"","distance":"0.00","dropoffLatitude":0,"dropoffLongitude":0,"emails":["lloyd.howell@bankerslife.com"],"externalReviews":{},"facebookCta":{"indeterminate":false,"timestamp":202009092111057190,"type":"CALL_NOW","value":"(734) 655-7048","valueVersion":[]},"facebookPageUrl":"","fax":"","feedbackUrl":"","gallery":[],"hours":{"additionalText":"","days":[{"day":"MONDAY","intervals":[{"end":1700,"start":830}]},{"day":"TUESDAY","intervals":[{"end":1700,"start":830}]},{"day":"WEDNESDAY","intervals":[{"end":1700,"start":830}]},{"day":"THURSDAY","intervals":[{"end":1700,"start":830}]},{"day":"FRIDAY","intervals":[{"end":1700,"start":830}]},{"day":"SATURDAY","intervals":[]},{"day":"SUNDAY","intervals":[]}],"holidayHours":[]},"id":17438925,"instagramHandle":"","iosAppUrl":"","keywords":[],"labels":[107413,107592,107629,108742],"languages":[],"latitude":42.38162595356395,"linkedLocations":{},"listings":{"bing":{"placeId":"","url":"http://www.bing.com/maps?ss=ypid.YN873x10697812068568158213\u0026mkt=en-US"},"foursquare":{"placeId":"","url":"https://foursquare.com/venue/5f51042f28e7782931fba4ac"},"googleMyBusiness":{"placeId":"ChIJqQD306OzJIgRYO327w2flNQ","url":"https://maps.google.com/maps?cid=15318043114803228000"}},"locale":"en","logo":"","logoAlternateText":"","longitude":-83.35213842126186,"mealsServed":[],"name":"Lloyd Howell, Bankers Life Agent","paymentMethod":[],"phone":"(734) 655-7048","phones":[{"number":"7346557048","type":"MAIN"},{"number":"7345253754","type":"ALTERNATE"}],"pickupLatitude":0,"pickupLongitude":0,"postalCode":"48150","priceRange":0,"primaryLocale":"en","products":[],"profileLocale":"en","reviews":{},"routableLatitude":42.38133668726276,"routableLongitude":-83.353063783372,"services":[],"specialOffer":{"description":"","url":""},"specialties":[],"state":"MI","stateName":"Michigan","sublocality":"","twitterHandle":"","types":["LOCATION"],"tz":"America/Detroit","uber":{"clientId":"","linkText":"","tripBrandingDescription":"","tripBrandingText":"","tripBrandingUrl":"","url":"https://m.uber.com/ul/?action=setPickup\u0026client_id=KXQcwoj2Zb8ymDzKgVgbIaDE5iAE_TAj\u0026dropoff%5Bformatted_address%5D=13602%20Merriman%20Rd%2C%20Livonia%2C%20MI\u0026dropoff%5Blatitude%5D=42.38133668726276\u0026dropoff%5Blongitude%5D=-83.353063783372\u0026dropoff%5Bnickname%5D=Lloyd%20Howell%2C%20Bankers%20Life%20Agent\u0026pickup=my_location","wrappedUrl":"http://a.gotoloc.com/uber/F3UmTKKJWWU"},"url":"mi/livonia/13602-merriman-rd/lloyd-howell","urls":{"external":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/lloyd-howell","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/lloyd-howell"}},"utcOffsets":[{"offset":-14400,"start":1583650800},{"offset":-18000,"start":1604210400},{"offset":-14400,"start":1615705200}],"videos":[],"walkingLatitude":0,"walkingLongitude":0,"website":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/lloyd-howell","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/lloyd-howell"},"yearEstablished":""},{"address1":"13602 Merriman Rd","address2":"","addressVisible":false,"androidAppUrl":"","associations":[],"attire":"UNSPECIFIED","brands":[],"city":"Livonia","cityLatitude":42.397285,"cityLongitude":-83.373703,"closed":false,"closedDate":0,"corporateCode":"P6354","country":"US","countryName":"United States","customByName":{"2nd Address 1":null,"2nd Address 2":null,"2nd City":null,"2nd Country Code":null,"2nd State":null,"2nd Zip Code":null,"AR License Number":null,"About Description":null,"Active on Pages":true,"Additional FA Only Requirements":null,"Agent":true,"Agent First Name":"Joseph","Agent ID":null,"Agent Last Name":"Sheridan","Alert Banner Background Color":null,"Alert Banner CTA Text":null,"Alert Banner CTA URL":null,"Alert Banner Date Posted":null,"Alert Banner Font Color":null,"Alert Banner Text":null,"Alert Banner Title":null,"Article Dates":["3/6/20","2/20/20","2/6/20","7/22/19","5/1/19","4/16/19"],"Articles":[{"alternateText":"women-with-long-term-care-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/help-control-where-you-receive-care-with-long-term-care-insurance/","description":"Help Control Where You Receive Care with Long-Term Care Insurance","details":"Long-term care requires significant assets, so many people turn to long-term care insurance. Find out how it can help you control where you receive care.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/196x108.jpg","width":196}]},{"alternateText":"SECURE-Act-helps-grow-IRAs","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/how-the-secure-act-affects-your-iras/","description":"How the SECURE Act Affects Your IRAs","details":"You’ve probably heard about the SECURE Act, but you may not be sure if and how it affects you personally. The reality is, the Setting Every Community up for Retirement Enhancement Act of 2019, (SECURE Act), affects every single American who’s saving for retirement.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/196x108.jpg","width":196}]},{"alternateText":"senior-in-home-prepared-for-aging-in-place","clickthrough_url":"https://www.bankerslife.com/insights/life-events/5-ways-prepare-your-home-for-aging-in-place/","description":"5 Ways to Prepare Your Home for Aging in Place","details":"Many Baby Boomers want to age in place or stay in their own homes as they get older. Here are some ways to help prepare your home for aging in place.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/196x108.jpg","width":196}]},{"alternateText":"family-with-life-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/what-is-life-insurance/","description":"What is Life Insurance?","details":"Many Americans lack understanding about life insurance. Check out our guide to learn all about the different types and find out if it’s right for you.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/196x108.jpg","width":196}]},{"alternateText":"family-with-retirement-annuity","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/about-annuities-for-retirement/","description":"Annuities for Retirement","details":"A retirement annuity offers a way to protect the money you’ve saved, while providing extra retirement income. Learn more on our blog!","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/196x108.jpg","width":196}]},{"alternateText":"couples-researching-medicare","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/14-medicare-terms-know/","description":"14 Medicare Terms to Know","details":"Studies show many pre-Medicare adults have low confidence in their ability to understand insurance terms. Here’s a glossary of Medicare words to know.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/196x108.jpg","width":196}]}],"Associated Locations":null,"Benefits":null,"Branch Email":null,"Branch ID":"3164","Branch Name":null,"Branch-Agent linked location":null,"Business Name Field":null,"CA License Number":null,"Comparison":null,"Contract Date":null,"Core CTA text":null,"Direct Dial Phone Number":7346557046,"Exempt from Agent ETL":null,"Exempt from ETL":null,"FAQ Answer 4":"Bankers Life offers life insurance, Medicare supplement insurance and Medicare Advantage insurance, long-term care insurance, supplemental health insurance, as well as annuity products.","FAQ Answer 5":"Call us at \u003ca href=\"tel:888-991-4225\"\u003e(888) 991-4225\u003c/a\u003e, or submit a request via our \u003ca href=\"https://www.bankerslife.com/contact-us/get-a-quote/\"\u003ewebsite\u003c/a\u003e.","FAQ Answer 6":"An annuity is a financial vehicle designed to help you accumulate money for retirement or turn your retirement savings into an income stream.","FAQ Answer 7":"If someone depends on you financially, you likely need life insurance.  The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Representatives (FR) and Investment Advisors (IA) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FR and/or IA is permitted to open a client account or provide investment services, we determine if the FR and/or IA is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Hero Image SAP":null,"Hero Text":null,"Investment Advisor":null,"Licensed In":null,"Linked Entities":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":330,"url":"//dynl.mktgcdn.com/p/RSsC8YF0NcE1mMSr2e7RZva4sE8fXekG0m39OlGeNVw/290x330.png","width":290},{"height":223,"url":"//dynl.mktgcdn.com/p/RSsC8YF0NcE1mMSr2e7RZva4sE8fXekG0m39OlGeNVw/196x223.png","width":196}]},"Locator Zip Codes":[],"Medicare Description":null,"NM License Number":null,"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.\n\n\u003cstrong\u003eCommunity involvement\u003c/strong\u003e\nBankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.","Pages - Agent About Section Link":"https://www.bankerslife.com","Pages - Agent About Section Link Text":"bankerslife.com","Pages - Agent About Section Title":"About Bankers Life","Pages - Agent About section photo":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":223,"url":"//dynl.mktgcdn.com/p/acFfnvbuheK1VrC08pYWlQ2iploCch8GXBDF9Vi7aGM/196x223.png","width":196}]},"Pages - Agent Bankers Life Designations":"President's Honor Circle","Pages - Agent Business Philosophy":"Helping my clients protect their financial security as they plan for retirement is important to me. I recognize that my clients' needs and priorities change over time, and I am dedicated to being there to serve them with integrity every step of the way.","Pages - Agent CTA 1 Text":"Request an Appointment","Pages - Agent CTA 2 Text":"Get a quote","Pages - Agent Community Involvement":"Canton Soccer Club, Canton Building Authority, Alzheimer's Association, Wounded Warriors","Pages - Agent Coursework":null,"Pages - Agent Education":null,"Pages - Agent Event Section Title":null,"Pages - Agent FA Designations":null,"Pages - Agent FA Philosophy":"Dedicated to helping clients with their financial goals as they prepare for retirement. Seeking to be a trusted advisor in providing solutions that are in the best interest of the clients I serve.","Pages - Agent Headshot":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":200,"url":"//dynl.mktgcdn.com/p/bvi2zeV0ute0Rqt38pMe1Hl5_oRL0C2P6NUP3H_ktrM/154x200.jpg","width":154}]},"Pages - Agent Insurance Designations":"Certified Long Term Care","Pages - Agent Languages":null,"Pages - Agent LinkedIn":null,"Pages - Agent Military Services":null,"Pages - Agent Products 1 Header":"Featured Insurance Products","Pages - Agent Products 1 disclosures":null,"Pages - Agent Products 2 Header":"Financial Services","Pages - Agent Products 2 disclosures":null,"Pages - Agent Quote CTA text":"Request a Free Quote","Pages - Agent Quote CTA url":null,"Pages - Agent Quote Disclaimer Text":null,"Pages - Agent Quote Form Phone text":"for more information","Pages - Agent Quote Form Title":null,"Pages - Agent Residence":"Proud husband, father of three children, and two grandchildren.","Pages - Agent States Licensed":"MI,OH","Pages - Agent Title":"UNIT SUPERVISOR - INSURANCE SALES REPRESENTATIVE, BANKERS LIFE AND CASUALTY COMPANY","Pages - Agent Title 1":"UNIT SUPERVISOR - INSURANCE SALES REPRESENTATIVE","Pages - Agent Title 1 Company":"BANKERS LIFE AND CASUALTY COMPANY","Pages - Agent Title 2":"Financial Representative, Bankers Life Securities, Inc.","Pages - Agent information section header":"Meet Joseph Sheridan","Pages - Agent other locations":null,"Pages - Agent previous work experience":null,"Pages - Agent year - FA":"2015","Pages - Agent year - Insurance Agent":null,"Pages - Agent year joined":null,"Pages - FA or IAR Designation":"FA","Pages - Hearsay":false,"Pages - Hearsay Workspace ID (GroupID)":null,"Pages - Notification Banner":null,"Pages - Video Section":[{"description":"Do you have six months’ worth saved of living expenses?\nUse life insurance to help protect your family’s future.","youtubeId":"2TyUYOTe2Mw"},{"description":"Life insurance that pays benefits while you’re living?\nBeyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.","youtubeId":"S8vb85RFTZw"},{"description":"Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!","youtubeId":"jDdA2kC0a_w"},{"description":"Find out how life insurance can be an important aspect of retirement planning.  Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.","youtubeId":"jOk9Eoo2yWg"},{"description":"Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.","youtubeId":"VRKF32I7v8o"},{"description":"Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.","youtubeId":"Acsjj0a-M1I"}],"Pages URL":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/joseph-sheridan","Parts of Medicare":null,"Profile Type":[],"Recognition Banner":null,"Recognition Date":null,"Recognition Text":null,"Reporting Office":null,"Reviews CTA":null,"State License Numbers":null,"Table":null,"Table Description":null,"Table Disclaimer":null,"Table Heading":null,"Territory":"NE","Title":null,"Videos":null},"description":"With a history dating back to 1879, Bankers Life provides a broad selection of life insurance and health insurance products designed especially for Americans who are near or in retirement. With more than 260 offices across the country, our more than 4,200 insurance agents/producers live and work in the communities they serve. Our agents/producers take the time to get to know you as their customers, listen to your needs and values, and are dedicated to helping you meet your goals for a secure retirement. Get to know Bankers Life - and learn why our more than 1.5 million customers trust us to help protect their financial future, ensuring a healthier and rewarding retirement. The Bankers Life brand is a part of CNO Financial Group, Inc., whose companies provide insurance solutions that help protect the health and retirement needs of working Americans and retirees.","displayAddress":"","distance":"0.00","dropoffLatitude":0,"dropoffLongitude":0,"emails":["joseph.sheridan@bankerslife.com"],"externalReviews":{},"facebookCta":{"indeterminate":false,"timestamp":201903082233120920,"type":"CALL_NOW","value":"(734) 210-0026","valueVersion":[]},"facebookPageUrl":"https://www.facebook.com/BankersLifeJosephSheridan/","fax":"","feedbackUrl":"","gallery":[{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":200,"url":"//dynl.mktgcdn.com/p/bvi2zeV0ute0Rqt38pMe1Hl5_oRL0C2P6NUP3H_ktrM/154x200.jpg","width":154}]}],"hours":{"additionalText":"","days":[{"day":"MONDAY","intervals":[{"end":1700,"start":900}]},{"day":"TUESDAY","intervals":[{"end":1700,"start":900}]},{"day":"WEDNESDAY","intervals":[{"end":1700,"start":900}]},{"day":"THURSDAY","intervals":[{"end":1700,"start":900}]},{"day":"FRIDAY","intervals":[{"end":1700,"start":900}]},{"day":"SATURDAY","intervals":[]},{"day":"SUNDAY","intervals":[]}],"holidayHours":[]},"id":11856533,"instagramHandle":"","iosAppUrl":"","keywords":["Life Insurance","Long Term Care","Annuity","Medicare Supplement","Supplemental Health"],"labels":[58806,59517,62428,59460,59638,60330,65934,59988,60329,68544,74840,76478,81042,85692,97308,100606],"languages":[],"latitude":42.381624868948215,"linkedLocations":{},"listings":{"bing":{"placeId":"","url":"https://www.bing.com/maps?ss=ypid.YN873x6911729519467705681"},"facebook":{"placeId":"","url":"https://www.facebook.com/398151047417651"},"foursquare":{"placeId":"","url":"http://foursquare.com/venue/5cacc8e186f4cc002c76a5a2"},"googleMyBusiness":{"placeId":"ChIJm2tR1XGzJIgRobnwSv_Tyig","url":"https://maps.google.com/maps?cid=2939394800240081313"}},"locale":"en","logo":"//dynl.mktgcdn.com/p/mJ1NBbw6SdPsHLPbdK2-pqZKk4iw8E0y3IGGcCmuaRk/500x500.png","logoAlternateText":"","longitude":-83.3521476325023,"mealsServed":[],"name":"Joseph Sheridan, Bankers Life Agent and Bankers Life Securities Financial Representative","paymentMethod":[],"phone":"(734) 210-0026","phones":[{"number":"7342100026","type":"MAIN"},{"number":"7345253754","type":"ALTERNATE"}],"pickupLatitude":0,"pickupLongitude":0,"postalCode":"48150","priceRange":0,"primaryLocale":"en","products":[],"profileLocale":"en","reviews":{},"routableLatitude":42.38133141730316,"routableLongitude":-83.35306372067481,"services":[],"specialOffer":{"description":"","url":""},"specialties":[],"state":"MI","stateName":"Michigan","sublocality":"","twitterHandle":"","types":["LOCATION"],"tz":"America/Detroit","uber":{"clientId":"","linkText":"","tripBrandingDescription":"","tripBrandingText":"","tripBrandingUrl":"","url":"https://m.uber.com/ul/?action=setPickup\u0026client_id=KXQcwoj2Zb8ymDzKgVgbIaDE5iAE_TAj\u0026dropoff%5Bformatted_address%5D=13602%20Merriman%20Rd%2C%20Livonia%2C%20MI\u0026dropoff%5Blatitude%5D=42.38133141730316\u0026dropoff%5Blongitude%5D=-83.35306372067481\u0026dropoff%5Bnickname%5D=Joseph%20Sheridan%2C%20Bankers%20Life%20Agent%20and%20Bankers%20Life%20Securities%20Financial%20Representative\u0026pickup=my_location","wrappedUrl":"http://a.gotoloc.com/uber/F3MqSqyFWGM"},"url":"mi/livonia/13602-merriman-rd/joseph-sheridan","urls":{"external":{"displayUrl":"http://bankerslife.com","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/joseph-sheridan"}},"utcOffsets":[{"offset":-14400,"start":1583650800},{"offset":-18000,"start":1604210400},{"offset":-14400,"start":1615705200}],"videos":[],"walkingLatitude":0,"walkingLongitude":0,"website":{"displayUrl":"http://bankerslife.com","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/joseph-sheridan"},"yearEstablished":""},{"address1":"13602 Merriman Rd","address2":"","addressVisible":false,"androidAppUrl":"","associations":[],"attire":"UNSPECIFIED","brands":[],"city":"Livonia","cityLatitude":42.397285,"cityLongitude":-83.373703,"closed":false,"closedDate":0,"corporateCode":"QG997","country":"US","countryName":"United States","customByName":{"2nd Address 1":null,"2nd Address 2":null,"2nd City":null,"2nd Country Code":null,"2nd State":null,"2nd Zip Code":null,"AR License Number":null,"About Description":null,"Active on Pages":true,"Additional FA Only Requirements":null,"Agent":true,"Agent First Name":"Lucretia","Agent ID":null,"Agent Last Name":"Sain","Alert Banner Background Color":null,"Alert Banner CTA Text":null,"Alert Banner CTA URL":null,"Alert Banner Date Posted":null,"Alert Banner Font Color":null,"Alert Banner Text":null,"Alert Banner Title":null,"Article Dates":["3/6/20","2/20/20","2/6/20","7/22/19","5/1/19","4/16/19"],"Articles":[{"alternateText":"women-with-long-term-care-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/help-control-where-you-receive-care-with-long-term-care-insurance/","description":"Help Control Where You Receive Care with Long-Term Care Insurance","details":"Long-term care requires significant assets, so many people turn to long-term care insurance. Find out how it can help you control where you receive care.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/196x108.jpg","width":196}]},{"alternateText":"SECURE-Act-helps-grow-IRAs","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/how-the-secure-act-affects-your-iras/","description":"How the SECURE Act Affects Your IRAs","details":"You’ve probably heard about the SECURE Act, but you may not be sure if and how it affects you personally. The reality is, the Setting Every Community up for Retirement Enhancement Act of 2019, (SECURE Act), affects every single American who’s saving for retirement.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/196x108.jpg","width":196}]},{"alternateText":"senior-in-home-prepared-for-aging-in-place","clickthrough_url":"https://www.bankerslife.com/insights/life-events/5-ways-prepare-your-home-for-aging-in-place/","description":"5 Ways to Prepare Your Home for Aging in Place","details":"Many Baby Boomers want to age in place or stay in their own homes as they get older. Here are some ways to help prepare your home for aging in place.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/196x108.jpg","width":196}]},{"alternateText":"family-with-life-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/what-is-life-insurance/","description":"What is Life Insurance?","details":"Many Americans lack understanding about life insurance. Check out our guide to learn all about the different types and find out if it’s right for you.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/196x108.jpg","width":196}]},{"alternateText":"family-with-retirement-annuity","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/about-annuities-for-retirement/","description":"Annuities for Retirement","details":"A retirement annuity offers a way to protect the money you’ve saved, while providing extra retirement income. Learn more on our blog!","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/196x108.jpg","width":196}]},{"alternateText":"couples-researching-medicare","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/14-medicare-terms-know/","description":"14 Medicare Terms to Know","details":"Studies show many pre-Medicare adults have low confidence in their ability to understand insurance terms. Here’s a glossary of Medicare words to know.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/196x108.jpg","width":196}]}],"Associated Locations":null,"Benefits":null,"Branch Email":null,"Branch ID":"3164","Branch Name":null,"Branch-Agent linked location":null,"Business Name Field":null,"CA License Number":null,"Comparison":null,"Contract Date":null,"Core CTA text":null,"Direct Dial Phone Number":null,"Exempt from Agent ETL":null,"Exempt from ETL":null,"FAQ Answer 4":"Bankers Life offers life insurance, Medicare supplement insurance and Medicare Advantage insurance, long-term care insurance, supplemental health insurance, as well as annuity products.","FAQ Answer 5":"Call us at \u003ca href=\"tel:888-991-4225\"\u003e(888) 991-4225\u003c/a\u003e, or submit a request via our \u003ca href=\"https://www.bankerslife.com/contact-us/get-a-quote/\"\u003ewebsite\u003c/a\u003e.","FAQ Answer 6":"An annuity is a financial vehicle designed to help you accumulate money for retirement or turn your retirement savings into an income stream.","FAQ Answer 7":"If someone depends on you financially, you likely need life insurance.  The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Representatives (FR) and Investment Advisors (IA) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FR and/or IA is permitted to open a client account or provide investment services, we determine if the FR and/or IA is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Hero Image SAP":null,"Hero Text":null,"Investment Advisor":null,"Licensed In":null,"Linked Entities":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":null,"Locator Zip Codes":[],"Medicare Description":null,"NM License Number":null,"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.\n\n\u003cstrong\u003eCommunity involvement\u003c/strong\u003e\nBankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.","Pages - Agent About Section Link":"https://www.bankerslife.com","Pages - Agent About Section Link Text":"bankerslife.com","Pages - Agent About Section Title":"About Bankers Life","Pages - Agent About section photo":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":223,"url":"//dynl.mktgcdn.com/p/acFfnvbuheK1VrC08pYWlQ2iploCch8GXBDF9Vi7aGM/196x223.png","width":196}]},"Pages - Agent Bankers Life Designations":null,"Pages - Agent Business Philosophy":null,"Pages - Agent CTA 1 Text":"Request an Appointment","Pages - Agent CTA 2 Text":"Get a quote","Pages - Agent Community Involvement":null,"Pages - Agent Coursework":null,"Pages - Agent Education":null,"Pages - Agent Event Section Title":null,"Pages - Agent FA Designations":null,"Pages - Agent FA Philosophy":null,"Pages - Agent Headshot":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":1500,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/1500x1500.jpg","width":1500},{"height":619,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/619x619.jpg","width":619},{"height":450,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/450x450.jpg","width":450},{"height":195,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/195x195.jpg","width":195}]},"Pages - Agent Insurance Designations":null,"Pages - Agent Languages":null,"Pages - Agent LinkedIn":null,"Pages - Agent Military Services":null,"Pages - Agent Products 1 Header":"Featured Insurance Products","Pages - Agent Products 1 disclosures":null,"Pages - Agent Products 2 Header":"Financial Services","Pages - Agent Products 2 disclosures":null,"Pages - Agent Quote CTA text":"Request a Free Quote","Pages - Agent Quote CTA url":null,"Pages - Agent Quote Disclaimer Text":null,"Pages - Agent Quote Form Phone text":"for more information","Pages - Agent Quote Form Title":null,"Pages - Agent Residence":null,"Pages - Agent States Licensed":null,"Pages - Agent Title":null,"Pages - Agent Title 1":"Insurance Sales Representative","Pages - Agent Title 1 Company":"BANKERS LIFE AND CASUALTY COMPANY","Pages - Agent Title 2":null,"Pages - Agent information section header":"Meet Lucretia Sain","Pages - Agent other locations":null,"Pages - Agent previous work experience":null,"Pages - Agent year - FA":null,"Pages - Agent year - Insurance Agent":null,"Pages - Agent year joined":null,"Pages - FA or IAR Designation":null,"Pages - Hearsay":false,"Pages - Hearsay Workspace ID (GroupID)":null,"Pages - Notification Banner":null,"Pages - Video Section":[{"description":"Do you have six months’ worth saved of living expenses?\nUse life insurance to help protect your family’s future.","youtubeId":"2TyUYOTe2Mw"},{"description":"Life insurance that pays benefits while you’re living?\nBeyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.","youtubeId":"S8vb85RFTZw"},{"description":"Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!","youtubeId":"jDdA2kC0a_w"},{"description":"Find out how life insurance can be an important aspect of retirement planning.  Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.","youtubeId":"jOk9Eoo2yWg"},{"description":"Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.","youtubeId":"VRKF32I7v8o"},{"description":"Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.","youtubeId":"Acsjj0a-M1I"}],"Pages URL":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/lucretia-sain","Parts of Medicare":null,"Profile Type":[],"Recognition Banner":null,"Recognition Date":null,"Recognition Text":null,"Reporting Office":null,"Reviews CTA":null,"State License Numbers":null,"Table":null,"Table Description":null,"Table Disclaimer":null,"Table Heading":null,"Territory":null,"Title":null,"Videos":null},"description":"With a history dating back to 1879, Bankers Life provides a broad selection of life insurance and health insurance products designed especially for Americans who are near or in retirement. With more than 260 offices across the country, our more than 4,200 insurance agents/producers live and work in the communities they serve. Our agents/producers take the time to get to know you as their customers, listen to your needs and values, and are dedicated to helping you meet your goals for a secure retirement. Get to know Bankers Life - and learn why our more than 1.5 million customers trust us to help protect their financial future, ensuring a healthier and rewarding retirement. The Bankers Life brand is a part of CNO Financial Group, Inc., whose companies provide insurance solutions that help protect the health and retirement needs of working Americans and retirees.","displayAddress":"","distance":"0.00","dropoffLatitude":0,"dropoffLongitude":0,"emails":["lucretia.sain@bankerslife.com"],"externalReviews":{},"facebookCta":{"indeterminate":false,"timestamp":202009092111480070,"type":"CALL_NOW","value":"(734) 655-7052","valueVersion":[]},"facebookPageUrl":"","fax":"","feedbackUrl":"","gallery":[],"hours":{"additionalText":"","days":[{"day":"MONDAY","intervals":[{"end":1700,"start":830}]},{"day":"TUESDAY","intervals":[{"end":1700,"start":830}]},{"day":"WEDNESDAY","intervals":[{"end":1700,"start":830}]},{"day":"THURSDAY","intervals":[{"end":1700,"start":830}]},{"day":"FRIDAY","intervals":[{"end":1700,"start":830}]},{"day":"SATURDAY","intervals":[]},{"day":"SUNDAY","intervals":[]}],"holidayHours":[]},"id":17439353,"instagramHandle":"","iosAppUrl":"","keywords":[],"labels":[107413,107593,107629,108742],"languages":[],"latitude":42.38162897190716,"linkedLocations":{},"listings":{"bing":{"placeId":"","url":"http://www.bing.com/maps?ss=ypid.YN873x12270687447406607931\u0026mkt=en-US"},"foursquare":{"placeId":"","url":"https://foursquare.com/venue/5f51281a9a7326766e2c4cd8"},"googleMyBusiness":{"placeId":"ChIJA5ji3myzJIgR2BObq5gY3oc","url":"https://maps.google.com/maps?cid=9790289683943199704"}},"locale":"en","logo":"","logoAlternateText":"","longitude":-83.35215788037394,"mealsServed":[],"name":"Lucretia Sain, Bankers Life Agent","paymentMethod":[],"phone":"(734) 655-7052","phones":[{"number":"7346557052","type":"MAIN"},{"number":"7345253754","type":"ALTERNATE"}],"pickupLatitude":0,"pickupLongitude":0,"postalCode":"48150","priceRange":0,"primaryLocale":"en","products":[],"profileLocale":"en","reviews":{},"routableLatitude":42.38127778616853,"routableLongitude":-83.35310096545771,"services":[],"specialOffer":{"description":"","url":""},"specialties":[],"state":"MI","stateName":"Michigan","sublocality":"","twitterHandle":"","types":["LOCATION"],"tz":"America/Detroit","uber":{"clientId":"","linkText":"","tripBrandingDescription":"","tripBrandingText":"","tripBrandingUrl":"","url":"https://m.uber.com/ul/?action=setPickup\u0026client_id=KXQcwoj2Zb8ymDzKgVgbIaDE5iAE_TAj\u0026dropoff%5Bformatted_address%5D=13602%20Merriman%20Rd%2C%20Livonia%2C%20MI\u0026dropoff%5Blatitude%5D=42.38127778616853\u0026dropoff%5Blongitude%5D=-83.35310096545771\u0026dropoff%5Bnickname%5D=Lucretia%20Sain%2C%20Bankers%20Life%20Agent\u0026pickup=my_location","wrappedUrl":"http://a.gotoloc.com/uber/F3UmTKODXmM"},"url":"mi/livonia/13602-merriman-rd/lucretia-sain","urls":{"external":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/lucretia-sain","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/lucretia-sain"}},"utcOffsets":[{"offset":-14400,"start":1583650800},{"offset":-18000,"start":1604210400},{"offset":-14400,"start":1615705200}],"videos":[],"walkingLatitude":0,"walkingLongitude":0,"website":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/lucretia-sain","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/lucretia-sain"},"yearEstablished":""},{"address1":"13602 Merriman Rd","address2":"","addressVisible":false,"androidAppUrl":"","associations":[],"attire":"UNSPECIFIED","brands":[],"city":"Livonia","cityLatitude":42.397285,"cityLongitude":-83.373703,"closed":false,"closedDate":0,"corporateCode":"U8354","country":"US","countryName":"United States","customByName":{"2nd Address 1":null,"2nd Address 2":null,"2nd City":null,"2nd Country Code":null,"2nd State":null,"2nd Zip Code":null,"AR License Number":null,"About Description":null,"Active on Pages":true,"Additional FA Only Requirements":null,"Agent":true,"Agent First Name":"Douglas","Agent ID":null,"Agent Last Name":"Moyers","Alert Banner Background Color":null,"Alert Banner CTA Text":null,"Alert Banner CTA URL":null,"Alert Banner Date Posted":null,"Alert Banner Font Color":null,"Alert Banner Text":null,"Alert Banner Title":null,"Article Dates":["3/6/20","2/20/20","2/6/20","7/22/19","5/1/19","4/16/19"],"Articles":[{"alternateText":"women-with-long-term-care-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/help-control-where-you-receive-care-with-long-term-care-insurance/","description":"Help Control Where You Receive Care with Long-Term Care Insurance","details":"Long-term care requires significant assets, so many people turn to long-term care insurance. Find out how it can help you control where you receive care.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/196x108.jpg","width":196}]},{"alternateText":"SECURE-Act-helps-grow-IRAs","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/how-the-secure-act-affects-your-iras/","description":"How the SECURE Act Affects Your IRAs","details":"You’ve probably heard about the SECURE Act, but you may not be sure if and how it affects you personally. The reality is, the Setting Every Community up for Retirement Enhancement Act of 2019, (SECURE Act), affects every single American who’s saving for retirement.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/196x108.jpg","width":196}]},{"alternateText":"senior-in-home-prepared-for-aging-in-place","clickthrough_url":"https://www.bankerslife.com/insights/life-events/5-ways-prepare-your-home-for-aging-in-place/","description":"5 Ways to Prepare Your Home for Aging in Place","details":"Many Baby Boomers want to age in place or stay in their own homes as they get older. Here are some ways to help prepare your home for aging in place.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/196x108.jpg","width":196}]},{"alternateText":"family-with-life-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/what-is-life-insurance/","description":"What is Life Insurance?","details":"Many Americans lack understanding about life insurance. Check out our guide to learn all about the different types and find out if it’s right for you.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/196x108.jpg","width":196}]},{"alternateText":"family-with-retirement-annuity","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/about-annuities-for-retirement/","description":"Annuities for Retirement","details":"A retirement annuity offers a way to protect the money you’ve saved, while providing extra retirement income. Learn more on our blog!","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/196x108.jpg","width":196}]},{"alternateText":"couples-researching-medicare","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/14-medicare-terms-know/","description":"14 Medicare Terms to Know","details":"Studies show many pre-Medicare adults have low confidence in their ability to understand insurance terms. Here’s a glossary of Medicare words to know.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/196x108.jpg","width":196}]}],"Associated Locations":null,"Benefits":null,"Branch Email":null,"Branch ID":"3164","Branch Name":null,"Branch-Agent linked location":null,"Business Name Field":null,"CA License Number":null,"Comparison":null,"Contract Date":null,"Core CTA text":null,"Direct Dial Phone Number":null,"Exempt from Agent ETL":null,"Exempt from ETL":null,"FAQ Answer 4":"Bankers Life offers life insurance, Medicare supplement insurance and Medicare Advantage insurance, long-term care insurance, supplemental health insurance, as well as annuity products.","FAQ Answer 5":"Call us at \u003ca href=\"tel:888-991-4225\"\u003e(888) 991-4225\u003c/a\u003e, or submit a request via our \u003ca href=\"https://www.bankerslife.com/contact-us/get-a-quote/\"\u003ewebsite\u003c/a\u003e.","FAQ Answer 6":"An annuity is a financial vehicle designed to help you accumulate money for retirement or turn your retirement savings into an income stream.","FAQ Answer 7":"If someone depends on you financially, you likely need life insurance.  The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":"W460901","Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Representatives (FR) and Investment Advisors (IA) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FR and/or IA is permitted to open a client account or provide investment services, we determine if the FR and/or IA is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Hero Image SAP":null,"Hero Text":null,"Investment Advisor":null,"Licensed In":null,"Linked Entities":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":null,"Locator Zip Codes":[],"Medicare Description":null,"NM License Number":null,"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.\n\n\u003cstrong\u003eCommunity involvement\u003c/strong\u003e\nBankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.","Pages - Agent About Section Link":"https://www.bankerslife.com","Pages - Agent About Section Link Text":"bankerslife.com","Pages - Agent About Section Title":"About Bankers Life","Pages - Agent About section photo":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":223,"url":"//dynl.mktgcdn.com/p/acFfnvbuheK1VrC08pYWlQ2iploCch8GXBDF9Vi7aGM/196x223.png","width":196}]},"Pages - Agent Bankers Life Designations":null,"Pages - Agent Business Philosophy":null,"Pages - Agent CTA 1 Text":"Request an Appointment","Pages - Agent CTA 2 Text":"Get a quote","Pages - Agent Community Involvement":null,"Pages - Agent Coursework":null,"Pages - Agent Education":null,"Pages - Agent Event Section Title":null,"Pages - Agent FA Designations":null,"Pages - Agent FA Philosophy":null,"Pages - Agent Headshot":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":1500,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/1500x1500.jpg","width":1500},{"height":619,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/619x619.jpg","width":619},{"height":450,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/450x450.jpg","width":450},{"height":195,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/195x195.jpg","width":195}]},"Pages - Agent Insurance Designations":null,"Pages - Agent Languages":null,"Pages - Agent LinkedIn":null,"Pages - Agent Military Services":null,"Pages - Agent Products 1 Header":"Featured Insurance Products","Pages - Agent Products 1 disclosures":null,"Pages - Agent Products 2 Header":"Financial Services","Pages - Agent Products 2 disclosures":null,"Pages - Agent Quote CTA text":"Request a Free Quote","Pages - Agent Quote CTA url":null,"Pages - Agent Quote Disclaimer Text":null,"Pages - Agent Quote Form Phone text":"for more information","Pages - Agent Quote Form Title":null,"Pages - Agent Residence":null,"Pages - Agent States Licensed":null,"Pages - Agent Title":null,"Pages - Agent Title 1":"Insurance Sales Representative","Pages - Agent Title 1 Company":"BANKERS LIFE AND CASUALTY COMPANY","Pages - Agent Title 2":null,"Pages - Agent information section header":"Meet Douglas Moyers","Pages - Agent other locations":null,"Pages - Agent previous work experience":null,"Pages - Agent year - FA":null,"Pages - Agent year - Insurance Agent":null,"Pages - Agent year joined":null,"Pages - FA or IAR Designation":null,"Pages - Hearsay":false,"Pages - Hearsay Workspace ID (GroupID)":null,"Pages - Notification Banner":null,"Pages - Video Section":[{"description":"Do you have six months’ worth saved of living expenses?\nUse life insurance to help protect your family’s future.","youtubeId":"2TyUYOTe2Mw"},{"description":"Life insurance that pays benefits while you’re living?\nBeyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.","youtubeId":"S8vb85RFTZw"},{"description":"Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!","youtubeId":"jDdA2kC0a_w"},{"description":"Find out how life insurance can be an important aspect of retirement planning.  Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.","youtubeId":"jOk9Eoo2yWg"},{"description":"Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.","youtubeId":"VRKF32I7v8o"},{"description":"Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.","youtubeId":"Acsjj0a-M1I"}],"Pages URL":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/douglas-moyers","Parts of Medicare":null,"Profile Type":[],"Recognition Banner":null,"Recognition Date":null,"Recognition Text":null,"Reporting Office":null,"Reviews CTA":null,"State License Numbers":null,"Table":null,"Table Description":null,"Table Disclaimer":null,"Table Heading":null,"Territory":null,"Title":null,"Videos":null},"description":"With a history dating back to 1879, Bankers Life provides a broad selection of life insurance and health insurance products designed especially for Americans who are near or in retirement. With more than 260 offices across the country, our more than 4,200 insurance agents/producers live and work in the communities they serve. Our agents/producers take the time to get to know you as their customers, listen to your needs and values, and are dedicated to helping you meet your goals for a secure retirement. Get to know Bankers Life - and learn why our more than 1.5 million customers trust us to help protect their financial future, ensuring a healthier and rewarding retirement. The Bankers Life brand is a part of CNO Financial Group, Inc., whose companies provide insurance solutions that help protect the health and retirement needs of working Americans and retirees.","displayAddress":"","distance":"0.00","dropoffLatitude":0,"dropoffLongitude":0,"emails":["douglas.moyers@bankerslife.com"],"externalReviews":{},"facebookCta":{"indeterminate":false,"timestamp":202009092110457120,"type":"CALL_NOW","value":"(734) 525-3754","valueVersion":[]},"facebookPageUrl":"","fax":"","feedbackUrl":"","gallery":[],"hours":{"additionalText":"","days":[{"day":"MONDAY","intervals":[{"end":1700,"start":830}]},{"day":"TUESDAY","intervals":[{"end":1700,"start":830}]},{"day":"WEDNESDAY","intervals":[{"end":1700,"start":830}]},{"day":"THURSDAY","intervals":[{"end":1700,"start":830}]},{"day":"FRIDAY","intervals":[{"end":1700,"start":830}]},{"day":"SATURDAY","intervals":[]},{"day":"SUNDAY","intervals":[]}],"holidayHours":[]},"id":17438213,"instagramHandle":"","iosAppUrl":"","keywords":[],"labels":[107413,107590,107629,108742],"languages":[],"latitude":42.381629917270715,"linkedLocations":{},"listings":{"bing":{"placeId":"","url":"http://www.bing.com/maps?ss=ypid.YN873x10170504021820009736\u0026mkt=en-US"},"foursquare":{"placeId":"","url":"https://foursquare.com/venue/5f51455359c17f4a0b682545"},"googleMyBusiness":{"placeId":"ChIJRXEoOFizJIgRjH2Wd2c22PQ","url":"https://maps.google.com/maps?cid=17642911358239800716"}},"locale":"en","logo":"","logoAlternateText":"","longitude":-83.35215943338957,"mealsServed":[],"name":"Douglas Moyers, Bankers Life Agent","paymentMethod":[],"phone":"(734) 525-3754","phones":[{"number":"7345253754","type":"MAIN"},{"number":"7345253754","type":"ALTERNATE"}],"pickupLatitude":0,"pickupLongitude":0,"postalCode":"48150","priceRange":0,"primaryLocale":"en","products":[],"profileLocale":"en","reviews":{},"routableLatitude":42.381321081219504,"routableLongitude":-83.35308194628016,"services":[],"specialOffer":{"description":"","url":""},"specialties":[],"state":"MI","stateName":"Michigan","sublocality":"","twitterHandle":"","types":["LOCATION"],"tz":"America/Detroit","uber":{"clientId":"","linkText":"","tripBrandingDescription":"","tripBrandingText":"","tripBrandingUrl":"","url":"https://m.uber.com/ul/?action=setPickup\u0026client_id=KXQcwoj2Zb8ymDzKgVgbIaDE5iAE_TAj\u0026dropoff%5Bformatted_address%5D=13602%20Merriman%20Rd%2C%20Livonia%2C%20MI\u0026dropoff%5Blatitude%5D=42.381321081219504\u0026dropoff%5Blongitude%5D=-83.35308194628016\u0026dropoff%5Bnickname%5D=Douglas%20Moyers%2C%20Bankers%20Life%20Agent\u0026pickup=my_location","wrappedUrl":"http://a.gotoloc.com/uber/F3UmTKKCWmM"},"url":"mi/livonia/13602-merriman-rd/douglas-moyers","urls":{"external":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/douglas-moyers","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/douglas-moyers"}},"utcOffsets":[{"offset":-14400,"start":1583650800},{"offset":-18000,"start":1604210400},{"offset":-14400,"start":1615705200}],"videos":[],"walkingLatitude":0,"walkingLongitude":0,"website":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/douglas-moyers","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/douglas-moyers"},"yearEstablished":""},{"address1":"13602 Merriman Rd","address2":"","addressVisible":false,"androidAppUrl":"","associations":[],"attire":"UNSPECIFIED","brands":[],"city":"Livonia","cityLatitude":42.397285,"cityLongitude":-83.373703,"closed":false,"closedDate":0,"corporateCode":"QG695","country":"US","countryName":"United States","customByName":{"2nd Address 1":null,"2nd Address 2":null,"2nd City":null,"2nd Country Code":null,"2nd State":null,"2nd Zip Code":null,"AR License Number":null,"About Description":null,"Active on Pages":true,"Additional FA Only Requirements":null,"Agent":true,"Agent First Name":"Gabriel","Agent ID":null,"Agent Last Name":"Cocherell","Alert Banner Background Color":null,"Alert Banner CTA Text":null,"Alert Banner CTA URL":null,"Alert Banner Date Posted":null,"Alert Banner Font Color":null,"Alert Banner Text":null,"Alert Banner Title":null,"Article Dates":["3/6/20","2/20/20","2/6/20","7/22/19","5/1/19","4/16/19"],"Articles":[{"alternateText":"women-with-long-term-care-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/help-control-where-you-receive-care-with-long-term-care-insurance/","description":"Help Control Where You Receive Care with Long-Term Care Insurance","details":"Long-term care requires significant assets, so many people turn to long-term care insurance. Find out how it can help you control where you receive care.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/196x108.jpg","width":196}]},{"alternateText":"SECURE-Act-helps-grow-IRAs","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/how-the-secure-act-affects-your-iras/","description":"How the SECURE Act Affects Your IRAs","details":"You’ve probably heard about the SECURE Act, but you may not be sure if and how it affects you personally. The reality is, the Setting Every Community up for Retirement Enhancement Act of 2019, (SECURE Act), affects every single American who’s saving for retirement.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/196x108.jpg","width":196}]},{"alternateText":"senior-in-home-prepared-for-aging-in-place","clickthrough_url":"https://www.bankerslife.com/insights/life-events/5-ways-prepare-your-home-for-aging-in-place/","description":"5 Ways to Prepare Your Home for Aging in Place","details":"Many Baby Boomers want to age in place or stay in their own homes as they get older. Here are some ways to help prepare your home for aging in place.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/196x108.jpg","width":196}]},{"alternateText":"family-with-life-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/what-is-life-insurance/","description":"What is Life Insurance?","details":"Many Americans lack understanding about life insurance. Check out our guide to learn all about the different types and find out if it’s right for you.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/196x108.jpg","width":196}]},{"alternateText":"family-with-retirement-annuity","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/about-annuities-for-retirement/","description":"Annuities for Retirement","details":"A retirement annuity offers a way to protect the money you’ve saved, while providing extra retirement income. Learn more on our blog!","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/196x108.jpg","width":196}]},{"alternateText":"couples-researching-medicare","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/14-medicare-terms-know/","description":"14 Medicare Terms to Know","details":"Studies show many pre-Medicare adults have low confidence in their ability to understand insurance terms. Here’s a glossary of Medicare words to know.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/196x108.jpg","width":196}]}],"Associated Locations":null,"Benefits":null,"Branch Email":null,"Branch ID":"3164","Branch Name":null,"Branch-Agent linked location":null,"Business Name Field":null,"CA License Number":null,"Comparison":null,"Contract Date":null,"Core CTA text":null,"Direct Dial Phone Number":null,"Exempt from Agent ETL":null,"Exempt from ETL":null,"FAQ Answer 4":"Bankers Life offers life insurance, Medicare supplement insurance and Medicare Advantage insurance, long-term care insurance, supplemental health insurance, as well as annuity products.","FAQ Answer 5":"Call us at \u003ca href=\"tel:888-991-4225\"\u003e(888) 991-4225\u003c/a\u003e, or submit a request via our \u003ca href=\"https://www.bankerslife.com/contact-us/get-a-quote/\"\u003ewebsite\u003c/a\u003e.","FAQ Answer 6":"An annuity is a financial vehicle designed to help you accumulate money for retirement or turn your retirement savings into an income stream.","FAQ Answer 7":"If someone depends on you financially, you likely need life insurance.  The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Representatives (FR) and Investment Advisors (IA) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FR and/or IA is permitted to open a client account or provide investment services, we determine if the FR and/or IA is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Hero Image SAP":null,"Hero Text":null,"Investment Advisor":null,"Licensed In":null,"Linked Entities":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":null,"Locator Zip Codes":[],"Medicare Description":null,"NM License Number":null,"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.\n\n\u003cstrong\u003eCommunity involvement\u003c/strong\u003e\nBankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.","Pages - Agent About Section Link":"https://www.bankerslife.com","Pages - Agent About Section Link Text":"bankerslife.com","Pages - Agent About Section Title":"About Bankers Life","Pages - Agent About section photo":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":223,"url":"//dynl.mktgcdn.com/p/acFfnvbuheK1VrC08pYWlQ2iploCch8GXBDF9Vi7aGM/196x223.png","width":196}]},"Pages - Agent Bankers Life Designations":null,"Pages - Agent Business Philosophy":null,"Pages - Agent CTA 1 Text":"Request an Appointment","Pages - Agent CTA 2 Text":"Get a quote","Pages - Agent Community Involvement":null,"Pages - Agent Coursework":null,"Pages - Agent Education":null,"Pages - Agent Event Section Title":null,"Pages - Agent FA Designations":null,"Pages - Agent FA Philosophy":null,"Pages - Agent Headshot":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":1500,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/1500x1500.jpg","width":1500},{"height":619,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/619x619.jpg","width":619},{"height":450,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/450x450.jpg","width":450},{"height":195,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/195x195.jpg","width":195}]},"Pages - Agent Insurance Designations":null,"Pages - Agent Languages":null,"Pages - Agent LinkedIn":null,"Pages - Agent Military Services":null,"Pages - Agent Products 1 Header":"Featured Insurance Products","Pages - Agent Products 1 disclosures":null,"Pages - Agent Products 2 Header":"Financial Services","Pages - Agent Products 2 disclosures":null,"Pages - Agent Quote CTA text":"Request a Free Quote","Pages - Agent Quote CTA url":null,"Pages - Agent Quote Disclaimer Text":null,"Pages - Agent Quote Form Phone text":"for more information","Pages - Agent Quote Form Title":null,"Pages - Agent Residence":null,"Pages - Agent States Licensed":null,"Pages - Agent Title":null,"Pages - Agent Title 1":"Insurance Sales Representative","Pages - Agent Title 1 Company":"BANKERS LIFE AND CASUALTY COMPANY","Pages - Agent Title 2":null,"Pages - Agent information section header":"Meet Gabriel Cocherell","Pages - Agent other locations":null,"Pages - Agent previous work experience":null,"Pages - Agent year - FA":null,"Pages - Agent year - Insurance Agent":null,"Pages - Agent year joined":null,"Pages - FA or IAR Designation":null,"Pages - Hearsay":false,"Pages - Hearsay Workspace ID (GroupID)":null,"Pages - Notification Banner":null,"Pages - Video Section":[{"description":"Do you have six months’ worth saved of living expenses?\nUse life insurance to help protect your family’s future.","youtubeId":"2TyUYOTe2Mw"},{"description":"Life insurance that pays benefits while you’re living?\nBeyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.","youtubeId":"S8vb85RFTZw"},{"description":"Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!","youtubeId":"jDdA2kC0a_w"},{"description":"Find out how life insurance can be an important aspect of retirement planning.  Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.","youtubeId":"jOk9Eoo2yWg"},{"description":"Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.","youtubeId":"VRKF32I7v8o"},{"description":"Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.","youtubeId":"Acsjj0a-M1I"}],"Pages URL":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/gabriel-cocherell","Parts of Medicare":null,"Profile Type":[],"Recognition Banner":null,"Recognition Date":null,"Recognition Text":null,"Reporting Office":null,"Reviews CTA":null,"State License Numbers":null,"Table":null,"Table Description":null,"Table Disclaimer":null,"Table Heading":null,"Territory":null,"Title":null,"Videos":null},"description":"With a history dating back to 1879, Bankers Life provides a broad selection of life insurance and health insurance products designed especially for Americans who are near or in retirement. With more than 260 offices across the country, our more than 4,200 insurance agents/producers live and work in the communities they serve. Our agents/producers take the time to get to know you as their customers, listen to your needs and values, and are dedicated to helping you meet your goals for a secure retirement. Get to know Bankers Life - and learn why our more than 1.5 million customers trust us to help protect their financial future, ensuring a healthier and rewarding retirement. The Bankers Life brand is a part of CNO Financial Group, Inc., whose companies provide insurance solutions that help protect the health and retirement needs of working Americans and retirees.","displayAddress":"","distance":"0.00","dropoffLatitude":0,"dropoffLongitude":0,"emails":["gabriel.cocherell@bankerslife.com"],"externalReviews":{},"facebookCta":{"indeterminate":false,"timestamp":202009092110456830,"type":"CALL_NOW","value":"(734) 655-7078","valueVersion":[]},"facebookPageUrl":"","fax":"","feedbackUrl":"","gallery":[],"hours":{"additionalText":"","days":[{"day":"MONDAY","intervals":[{"end":1700,"start":830}]},{"day":"TUESDAY","intervals":[{"end":1700,"start":830}]},{"day":"WEDNESDAY","intervals":[{"end":1700,"start":830}]},{"day":"THURSDAY","intervals":[{"end":1700,"start":830}]},{"day":"FRIDAY","intervals":[{"end":1700,"start":830}]},{"day":"SATURDAY","intervals":[]},{"day":"SUNDAY","intervals":[]}],"holidayHours":[]},"id":17438062,"instagramHandle":"","iosAppUrl":"","keywords":[],"labels":[107413,107590,107629,108742],"languages":[],"latitude":42.38162523313516,"linkedLocations":{},"listings":{"bing":{"placeId":"","url":"http://www.bing.com/maps?ss=ypid.YN873x10892709732644461957\u0026mkt=en-US"},"foursquare":{"placeId":"","url":"https://foursquare.com/venue/5f512cfc6a74f475f73cc4e4"},"googleMyBusiness":{"placeId":"ChIJU4FXi_izJIgR8dbWx9_oir8","url":"https://maps.google.com/maps?cid=13802100055858403057"}},"locale":"en","logo":"","logoAlternateText":"","longitude":-83.35215228082879,"mealsServed":[],"name":"Gabriel Cocherell, Bankers Life Agent","paymentMethod":[],"phone":"(734) 655-7078","phones":[{"number":"7346557078","type":"MAIN"},{"number":"7345253754","type":"ALTERNATE"}],"pickupLatitude":0,"pickupLongitude":0,"postalCode":"48150","priceRange":0,"primaryLocale":"en","products":[],"profileLocale":"en","reviews":{},"routableLatitude":42.381315507630994,"routableLongitude":-83.35308656463296,"services":[],"specialOffer":{"description":"","url":""},"specialties":[],"state":"MI","stateName":"Michigan","sublocality":"","twitterHandle":"","types":["LOCATION"],"tz":"America/Detroit","uber":{"clientId":"","linkText":"","tripBrandingDescription":"","tripBrandingText":"","tripBrandingUrl":"","url":"https://m.uber.com/ul/?action=setPickup\u0026client_id=KXQcwoj2Zb8ymDzKgVgbIaDE5iAE_TAj\u0026dropoff%5Bformatted_address%5D=13602%20Merriman%20Rd%2C%20Livonia%2C%20MI\u0026dropoff%5Blatitude%5D=42.381315507630994\u0026dropoff%5Blongitude%5D=-83.35308656463296\u0026dropoff%5Bnickname%5D=Gabriel%20Cocherell%2C%20Bankers%20Life%20Agent\u0026pickup=my_location","wrappedUrl":"http://a.gotoloc.com/uber/F3UmTKKAXWI"},"url":"mi/livonia/13602-merriman-rd/gabriel-cocherell","urls":{"external":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/gabriel-cocherell","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/gabriel-cocherell"}},"utcOffsets":[{"offset":-14400,"start":1583650800},{"offset":-18000,"start":1604210400},{"offset":-14400,"start":1615705200}],"videos":[],"walkingLatitude":0,"walkingLongitude":0,"website":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/gabriel-cocherell","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/gabriel-cocherell"},"yearEstablished":""},{"address1":"13602 Merriman Rd","address2":"","addressVisible":false,"androidAppUrl":"","associations":[],"attire":"UNSPECIFIED","brands":[],"city":"Livonia","cityLatitude":42.397285,"cityLongitude":-83.373703,"closed":false,"closedDate":0,"corporateCode":"QG259","country":"US","countryName":"United States","customByName":{"2nd Address 1":null,"2nd Address 2":null,"2nd City":null,"2nd Country Code":null,"2nd State":null,"2nd Zip Code":null,"AR License Number":null,"About Description":null,"Active on Pages":true,"Additional FA Only Requirements":null,"Agent":true,"Agent First Name":"Terri","Agent ID":null,"Agent Last Name":"Smith","Alert Banner Background Color":null,"Alert Banner CTA Text":null,"Alert Banner CTA URL":null,"Alert Banner Date Posted":null,"Alert Banner Font Color":null,"Alert Banner Text":null,"Alert Banner Title":null,"Article Dates":["3/6/20","2/20/20","2/6/20","7/22/19","5/1/19","4/16/19"],"Articles":[{"alternateText":"women-with-long-term-care-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/help-control-where-you-receive-care-with-long-term-care-insurance/","description":"Help Control Where You Receive Care with Long-Term Care Insurance","details":"Long-term care requires significant assets, so many people turn to long-term care insurance. Find out how it can help you control where you receive care.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/paypLhkU8r6_4lhSWBHUYEnw-voatvGZG7ZybfIqycU/196x108.jpg","width":196}]},{"alternateText":"SECURE-Act-helps-grow-IRAs","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/how-the-secure-act-affects-your-iras/","description":"How the SECURE Act Affects Your IRAs","details":"You’ve probably heard about the SECURE Act, but you may not be sure if and how it affects you personally. The reality is, the Setting Every Community up for Retirement Enhancement Act of 2019, (SECURE Act), affects every single American who’s saving for retirement.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/CxJvYvZyL8FC8EKmN-IeU1h1h00EHVxjOctmUSAVz40/196x108.jpg","width":196}]},{"alternateText":"senior-in-home-prepared-for-aging-in-place","clickthrough_url":"https://www.bankerslife.com/insights/life-events/5-ways-prepare-your-home-for-aging-in-place/","description":"5 Ways to Prepare Your Home for Aging in Place","details":"Many Baby Boomers want to age in place or stay in their own homes as they get older. Here are some ways to help prepare your home for aging in place.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/SpCW1KIFebVfm-ZTlG6KDcgxmmYKtvUpfHEzXx6G10I/196x108.jpg","width":196}]},{"alternateText":"family-with-life-insurance","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/what-is-life-insurance/","description":"What is Life Insurance?","details":"Many Americans lack understanding about life insurance. Check out our guide to learn all about the different types and find out if it’s right for you.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/196x108.jpg","width":196}]},{"alternateText":"family-with-retirement-annuity","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/about-annuities-for-retirement/","description":"Annuities for Retirement","details":"A retirement annuity offers a way to protect the money you’ve saved, while providing extra retirement income. Learn more on our blog!","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/196x108.jpg","width":196}]},{"alternateText":"couples-researching-medicare","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/14-medicare-terms-know/","description":"14 Medicare Terms to Know","details":"Studies show many pre-Medicare adults have low confidence in their ability to understand insurance terms. Here’s a glossary of Medicare words to know.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/196x108.jpg","width":196}]}],"Associated Locations":null,"Benefits":null,"Branch Email":null,"Branch ID":"3164","Branch Name":null,"Branch-Agent linked location":null,"Business Name Field":null,"CA License Number":null,"Comparison":null,"Contract Date":null,"Core CTA text":null,"Direct Dial Phone Number":null,"Exempt from Agent ETL":null,"Exempt from ETL":null,"FAQ Answer 4":"Bankers Life offers life insurance, Medicare supplement insurance and Medicare Advantage insurance, long-term care insurance, supplemental health insurance, as well as annuity products.","FAQ Answer 5":"Call us at \u003ca href=\"tel:888-991-4225\"\u003e(888) 991-4225\u003c/a\u003e, or submit a request via our \u003ca href=\"https://www.bankerslife.com/contact-us/get-a-quote/\"\u003ewebsite\u003c/a\u003e.","FAQ Answer 6":"An annuity is a financial vehicle designed to help you accumulate money for retirement or turn your retirement savings into an income stream.","FAQ Answer 7":"If someone depends on you financially, you likely need life insurance.  The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Representatives (FR) and Investment Advisors (IA) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FR and/or IA is permitted to open a client account or provide investment services, we determine if the FR and/or IA is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Hero Image SAP":null,"Hero Text":null,"Investment Advisor":null,"Licensed In":null,"Linked Entities":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":null,"Locator Zip Codes":[],"Medicare Description":null,"NM License Number":null,"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.\n\n\u003cstrong\u003eCommunity involvement\u003c/strong\u003e\nBankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.","Pages - Agent About Section Link":"https://www.bankerslife.com","Pages - Agent About Section Link Text":"bankerslife.com","Pages - Agent About Section Title":"About Bankers Life","Pages - Agent About section photo":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":223,"url":"//dynl.mktgcdn.com/p/acFfnvbuheK1VrC08pYWlQ2iploCch8GXBDF9Vi7aGM/196x223.png","width":196}]},"Pages - Agent Bankers Life Designations":null,"Pages - Agent Business Philosophy":null,"Pages - Agent CTA 1 Text":"Request an Appointment","Pages - Agent CTA 2 Text":"Get a quote","Pages - Agent Community Involvement":null,"Pages - Agent Coursework":null,"Pages - Agent Education":null,"Pages - Agent Event Section Title":null,"Pages - Agent FA Designations":null,"Pages - Agent FA Philosophy":null,"Pages - Agent Headshot":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":1500,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/1500x1500.jpg","width":1500},{"height":619,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/619x619.jpg","width":619},{"height":450,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/450x450.jpg","width":450},{"height":195,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/195x195.jpg","width":195}]},"Pages - Agent Insurance Designations":null,"Pages - Agent Languages":null,"Pages - Agent LinkedIn":null,"Pages - Agent Military Services":null,"Pages - Agent Products 1 Header":"Featured Insurance Products","Pages - Agent Products 1 disclosures":null,"Pages - Agent Products 2 Header":"Financial Services","Pages - Agent Products 2 disclosures":null,"Pages - Agent Quote CTA text":"Request a Free Quote","Pages - Agent Quote CTA url":null,"Pages - Agent Quote Disclaimer Text":null,"Pages - Agent Quote Form Phone text":"for more information","Pages - Agent Quote Form Title":null,"Pages - Agent Residence":null,"Pages - Agent States Licensed":null,"Pages - Agent Title":null,"Pages - Agent Title 1":"Insurance Sales Representative","Pages - Agent Title 1 Company":"BANKERS LIFE AND CASUALTY COMPANY","Pages - Agent Title 2":null,"Pages - Agent information section header":"Meet Terri Smith","Pages - Agent other locations":null,"Pages - Agent previous work experience":null,"Pages - Agent year - FA":null,"Pages - Agent year - Insurance Agent":null,"Pages - Agent year joined":null,"Pages - FA or IAR Designation":null,"Pages - Hearsay":false,"Pages - Hearsay Workspace ID (GroupID)":null,"Pages - Notification Banner":null,"Pages - Video Section":[{"description":"Do you have six months’ worth saved of living expenses?\nUse life insurance to help protect your family’s future.","youtubeId":"2TyUYOTe2Mw"},{"description":"Life insurance that pays benefits while you’re living?\nBeyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.","youtubeId":"S8vb85RFTZw"},{"description":"Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!","youtubeId":"jDdA2kC0a_w"},{"description":"Find out how life insurance can be an important aspect of retirement planning.  Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.","youtubeId":"jOk9Eoo2yWg"},{"description":"Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.","youtubeId":"VRKF32I7v8o"},{"description":"Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.","youtubeId":"Acsjj0a-M1I"}],"Pages URL":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/terri-smith","Parts of Medicare":null,"Profile Type":[],"Recognition Banner":null,"Recognition Date":null,"Recognition Text":null,"Reporting Office":null,"Reviews CTA":null,"State License Numbers":null,"Table":null,"Table Description":null,"Table Disclaimer":null,"Table Heading":null,"Territory":null,"Title":null,"Videos":null},"description":"With a history dating back to 1879, Bankers Life provides a broad selection of life insurance and health insurance products designed especially for Americans who are near or in retirement. With more than 260 offices across the country, our more than 4,200 insurance agents/producers live and work in the communities they serve. Our agents/producers take the time to get to know you as their customers, listen to your needs and values, and are dedicated to helping you meet your goals for a secure retirement. Get to know Bankers Life - and learn why our more than 1.5 million customers trust us to help protect their financial future, ensuring a healthier and rewarding retirement. The Bankers Life brand is a part of CNO Financial Group, Inc., whose companies provide insurance solutions that help protect the health and retirement needs of working Americans and retirees.","displayAddress":"","distance":"0.00","dropoffLatitude":0,"dropoffLongitude":0,"emails":["terri.smith@bankerslife.com"],"externalReviews":{},"facebookCta":{"indeterminate":false,"timestamp":202009092112349600,"type":"CALL_NOW","value":"(734) 655-7051","valueVersion":[]},"facebookPageUrl":"","fax":"","feedbackUrl":"","gallery":[],"hours":{"additionalText":"","days":[{"day":"MONDAY","intervals":[{"end":1700,"start":830}]},{"day":"TUESDAY","intervals":[{"end":1700,"start":830}]},{"day":"WEDNESDAY","intervals":[{"end":1700,"start":830}]},{"day":"THURSDAY","intervals":[{"end":1700,"start":830}]},{"day":"FRIDAY","intervals":[{"end":1700,"start":830}]},{"day":"SATURDAY","intervals":[]},{"day":"SUNDAY","intervals":[]}],"holidayHours":[]},"id":17439995,"instagramHandle":"","iosAppUrl":"","keywords":[],"labels":[107413,107593,107629,108742],"languages":[],"latitude":42.38162203745695,"linkedLocations":{},"listings":{"bing":{"placeId":"","url":"http://www.bing.com/maps?ss=ypid.YN873x2410134543308561785\u0026mkt=en-US"},"foursquare":{"placeId":"","url":"https://foursquare.com/venue/5f50fd0a37074a547035ff31"},"googleMyBusiness":{"placeId":"ChIJDQqKHlGzJIgRw8NzR0QkbSk","url":"https://maps.google.com/maps?cid=2985082003691652035"}},"locale":"en","logo":"","logoAlternateText":"","longitude":-83.35214044601534,"mealsServed":[],"name":"Terri Smith, Bankers Life Agent","paymentMethod":[],"phone":"(734) 655-7051","phones":[{"number":"7346557051","type":"MAIN"},{"number":"7345253754","type":"ALTERNATE"}],"pickupLatitude":0,"pickupLongitude":0,"postalCode":"48150","priceRange":0,"primaryLocale":"en","products":[],"profileLocale":"en","reviews":{},"routableLatitude":42.38130800512376,"routableLongitude":-83.35309933573816,"services":[],"specialOffer":{"description":"","url":""},"specialties":[],"state":"MI","stateName":"Michigan","sublocality":"","twitterHandle":"","types":["LOCATION"],"tz":"America/Detroit","uber":{"clientId":"","linkText":"","tripBrandingDescription":"","tripBrandingText":"","tripBrandingUrl":"","url":"https://m.uber.com/ul/?action=setPickup\u0026client_id=KXQcwoj2Zb8ymDzKgVgbIaDE5iAE_TAj\u0026dropoff%5Bformatted_address%5D=13602%20Merriman%20Rd%2C%20Livonia%2C%20MI\u0026dropoff%5Blatitude%5D=42.38130800512376\u0026dropoff%5Blongitude%5D=-83.35309933573816\u0026dropoff%5Bnickname%5D=Terri%20Smith%2C%20Bankers%20Life%20Agent\u0026pickup=my_location","wrappedUrl":"http://a.gotoloc.com/uber/F3UmTKOJUmU"},"url":"mi/livonia/13602-merriman-rd/terri-smith","urls":{"external":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/terri-smith","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/terri-smith"}},"utcOffsets":[{"offset":-14400,"start":1583650800},{"offset":-18000,"start":1604210400},{"offset":-14400,"start":1615705200}],"videos":[],"walkingLatitude":0,"walkingLongitude":0,"website":{"displayUrl":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/terri-smith","preferDisplayUrl":false,"url":"https://agents.bankerslife.com/mi/livonia/13602-merriman-rd/terri-smith"},"yearEstablished":""}]

{"bing":{"placeId":"","url":"http://www.bing.com/maps?ss=ypid.YN873x12867177966472316112\u0026mkt=en-US"},"foursquare":{"placeId":"","url":"https://foursquare.com/venue/5f513c0bfe3ac3148a58d82e"},"googleMyBusiness":{"placeId":"ChIJZ3LDTe6zJIgRya_iHg1dHFM","url":"https://maps.google.com/maps?cid=5988763915430047689"}}