Palmer & Associates is a independent insurance brokerage situated in Sterling Heights, Michigan. We are the premier agency serving the entire state of Michigan.

We have extensive knowledge with all types of Michigan health and life insurance plans, and after extensive data gathering can point you in the right direction with a plan that you will desire.

Finally, we have access to all the major "players" in the state of Michigan. Double digit health insurance companies that we can quote from, and over sixty life insurance carriers at the click of a button. This again gives you access to the best available policy for you or your family.

What do we promise? We promise to be your agent for life. Annual reviews are scheduled to make sure you are insured under the most competitive product. We send out newsletters with updated product information to keep you in the loop. We will not "hook you" and run.

Serviced Areas

  • Michigan

Contact Details

  Website
  Person Randy Palmer
  City Sterling Heights, MI
  Zip Code 48314
  Address 8668 Essen Drive
  Phone Number (586) 604-9669

Business Representative

Randy Palmer

Partner

Products & Services

Health Insurance

We offer every state approved health insurance company product line from the traditional full coverage doctor co-pay PPO plans to short term medical plans. Product line also includes HMO's to even the popular health savings account.

Although there are some minor variations from traditional group coverage, these plans offer the highest level of benefits for individual health insurance. You can expect things like one hundred percent preventive care and prescription drugs to be an included benefit on most doctor co-pay plans.


Life insurance

Life insurance offers peace of mind as it relates to the equitable distribution of assets to heirs; providing ready funds to pay estate taxes and settlement costs without the delay and costs of probate; by furnishing a significant increased cash death benefit to beneficiaries; and by not leaving family members with the burden of paying for your funeral.

Our portfolio of insurance companies offers specialized options to help protect and manage your estate.

From Our Website

Michigan short term health insurance plans are terrific for consumers between jobs, students, or even a client applying for a major medical plan. Deductibles usually range from $500-$2500 with a maximum out of pocket limited to the deductible you choose plus an additional $2000. Some STM plans even have co-pays for doctors visits and prescriptions. Short term health insurance plans should not be substituted for a major medical health plan. In 2020', they are very popular as consumers can apply for coverage at any time during the year.


The latest plan to hit the health care market is the health savings account (HSA). Coupled with a high deductible health insurance plan, HSA's allow clients to pay for medical expenses with pre-tax dollars. Premiums are usually lower than a co-pay plan, but expenses like doctor visits, exams, and prescription drugs are paid out of pocket until the deductible is met. Before we get to FAQ's, let us discuss three popular supplemental products available to purchase with your health insurance plan. One being a hospital indemnity plan which gives you a lump sum payment everyday that you are required to stay in the hospital (plan has $50-$500 per day choices, Inpatient care only).


Nothing is more important than protecting your family with quality Michigan health insurance. We all know accidents do happen. However, you will sleep better at night knowing you are protected with quality health insurance in Michigan. This situation is tough, as right coverage has to be determined within an affordable price. Again needs must be evaluated. You owe it to yourself to make sure your family is covered with quality Michigan health insurance. Contact us today or click on Get a Quote to get more information.


We offer every state approved health insurance company product line from the traditional full coverage doctor co-pay PPO plans to short term medical plans. Product line also includes HMO's to even the popular health savings account. Although there are some minor variations from traditional group coverage, these plans offer the highest level of benefits for individual health insurance. You can expect things like one hundred percent preventive care and prescription drugs to be an included benefit on most doctor co-pay plans.


Life insurance offers peace of mind as it relates to the equitable distribution of assets to heirs; providing ready funds to pay estate taxes and settlement costs without the delay and costs of probate; by furnishing a significant increased cash death benefit to beneficiaries; and by not leaving family members with the burden of paying for your funeral. Our portfolio of insurance companies offers specialized options to help protect and manage your estate. Inexpensive option and provides a tax-free death benefit to your beneficiaries with coverage for a fixed period of years (5, 10, 15, 20 and 30) depending on your age at the time of purchase.