---
title: "FAQ: Insurance - Lubbers & Associates, LLC"
description: Common life, health, and long-term care insurance questions answered by an independent agency in Grandville & Grand Rapids, MI.
author: webiedesign
---

# Insurance — Frequently Asked Questions

Clear answers to common coverage questions from Lubbers & Associates, LLC, your trusted independent insurance agency in [Grandville, MI](https://lubbers.ellija.com/index.php?Itemid=259).

Do I need life insurance?

If someone depends on your income — a spouse, children, a business partner — or you have debts like a mortgage that would burden others, life insurance is worth considering. It replaces income and covers obligations so the people you care about aren't left financially exposed. If no one relies on you financially, the need may be smaller.

What's the difference between term and whole life insurance?

Term life covers you for a set period (say 10, 20, or 30 years) and is generally the most affordable way to get a large amount of protection. Whole life is permanent coverage that lasts your lifetime and includes a cash-value component, at a higher cost. The right choice depends on what you're protecting and for how long.

How much life insurance do I need?

It depends on what you'd want the policy to do — replace income, pay off a mortgage, fund education, cover final expenses, or protect a business. A short conversation about your obligations and goals gets you to a realistic number faster than any one-size-fits-all rule.

What is long-term care insurance?

Long-term care insurance helps cover the cost of extended care — in-home help, assisted living, or nursing care — that health insurance and Medicare largely don't. Because most people will need some form of care and the costs are significant, planning ahead can protect both your savings and your family.

What's the difference between group and individual health insurance?

Group health insurance is offered through an employer and typically shares costs between employer and employee. Individual health insurance is one you buy on your own — important if you're self-employed, between jobs, or leaving an employer plan. We can help you weigh the options when group coverage isn't available to you.

### Leaving an employer health plan?

Transitioning away from group coverage can be complex. We can help you navigate your individual health insurance options to ensure you don't experience a gap in coverage.

[Contact us to plan what to do next →](https://lubbers.ellija.com/index.php?Itemid=118)

- FAQ's
- [Financial Planning FAQ](https://lubbers.ellija.com/index.php?Itemid=253)
- [Annuities FAQ](https://lubbers.ellija.com/index.php?option=com_content&view=article&id=55&catid=12)
- [Medicare & Medigap FAQ](https://lubbers.ellija.com/index.php?option=com_content&view=article&id=56&catid=12)
- [Insurance FAQ](https://lubbers.ellija.com/index.php?option=com_content&view=article&id=57&catid=12)
- [Business Services FAQ](https://lubbers.ellija.com/index.php?option=com_content&view=article&id=58&catid=12)

## Why use an independent insurance agency?

Because an independent agency isn't tied to one carrier, we can compare options across many companies and recommend what fits you — rather than selling a single insurer's products. You get choice, plus a local point of contact in Grandville, MI who knows your situation.

### Ready to review your coverage?

Let's make sure your assets, business, and family are properly protected. Schedule a comprehensive insurance audit with our team today.

[Schedule an Insurance Audit](https://lubbers.ellija.com/index.php?Itemid=118)