Helping you protect your tomorrow, today.
Certified Benefit Advisors is your local, independent agency in Battle Creek, MI — specializing in Medicare, fixed indexed annuities, no-fee guaranteed financial products, and life insurance. Serving all of Michigan and licensed in 10+ states.
How we help you and your family
Health Insurance
You deserve health coverage, no matter your age or current health condition. Certified Benefit Advisors will find the best plan for you.
Retirement Planning
Prepare for your future retirement and make sure you are financially stable. We'll help you put a secure plan in place.
Life Insurance
Protect your spouse and family from loss of future income. Certified Benefit Advisors can help you get the appropriate life insurance.
Real people. Real conversations.
We're proud to serve our neighbors in Battle Creek and across Michigan — and we treat every client like family.
On Medicare or aging into it
Turning 65 soon, already on Medicare, or qualified for Medicare due to disability — we walk you through every option, side by side.
Planning for safe retirement income
If you've worked hard for your savings and don't want to risk it in the stock market, we'll show you safe-money strategies with guaranteed income.
Protecting your family's future
From final expense coverage so loved ones aren't left with the bill, to life insurance that protects income and legacy — we help you choose with confidence.
Take care of your spouse and family
No one wants to leave their family with any financial burdens. Certified Benefit Advisors can help you get a life insurance plan that protects your spouse and family from future income losses. As you approach your retirement you will want to make sure your money and assets are passed along to the next generation.
We can set up your life insurance to protect future income, pass money to family members, and aid in any educational expenses.
- Protect future income for your loved ones
- Pass money and assets to the next generation
- Help with educational expenses
- Coverage options for every age and budget
Because the right plan changes everything.
Insurance and retirement decisions can feel overwhelming. We've watched families carry stress they didn't have to carry — overpaying for the wrong plan, leaving loved ones with a funeral bill, or losing savings to a bad market.
That's why we sit down, listen first, and explain things in plain language. You'll never be rushed, pressured, or talked over. When you understand your options, you make better choices — and you sleep better at night.
Five licensed agents — local, in-office, and in-home
Stop into our Battle Creek office, give us a call, or have one of our agents come to your kitchen table. Whatever's easiest for you.
Available for in-office or in-home appointments throughout Michigan.
Find the protection you need
No matter your age, you deserve the best life insurance coverage you can get. We are licensed with over 40 different insurance companies to ensure you are presented all your options.
Find the best health insurance for you
It is important to make sure you have the best possible health insurance, no matter your age. We are licensed with over 40 different insurance companies, making it easier for you to find the right coverage. Certified Benefit Advisors helps you find your health insurance at the lowest cost and with the most coverage, regardless of your age.
Choose from multiple options, including: Medical Supplements, Medicare Advantage and Part D drug plans.
Medicare Supplements
Standardized plans A, B, C, D, F, G, and N. Predictable out-of-pocket costs to fill the gaps in Original Medicare.
Medicare Advantage
Co-payment based plans. Some carriers offer no monthly premium (county specific). All-in-one plans that often include dental, vision, hearing, and prescriptions.
Part D (RX) Drug Plans
Standalone prescription drug plans matched to your medications and pharmacy. We run FREE Medicare website reports to find your best option.
Get coverage from the right carrier
Certified Benefit Advisors represents over 40 different carriers to make sure you find the right health insurance plan.
Important dates to remember
October 15th – December 7th
Medicare Annual Enrollment Period (AEP)
You will be able to make changes to your current Medicare coverage during this time period.
January 1st – March 31st
Medicare Open Enrollment Period (OEP)
If you're already in a Medicare Advantage plan, you can switch to a different Advantage plan or go back to Original Medicare.
Protect all your future assets
When you are approaching retirement, it is important to make sure all your assets and future investments are safely guarded. Certified Benefit Advisors are here to make sure your future is secure. We will show you how to grow your investments and plan your tomorrow, today.
Estate planning will ensure that all your assets end up where you planned. We will make sure all the proper steps are taken to protect your future.
Guaranteed Financial Vehicles
Market potential and fixed rates for safe growth.
Guaranteed Monthly Income
Predictable income you can't outlive.
IRAs
Traditional and Roth IRA guidance and rollovers.
Rollovers
Move retirement savings without tax penalties.
Transfers
Seamless transfer of existing retirement accounts.
401(K)
Employer plan rollovers into safer options.
403(B)
Non-profit and school employee plan rollovers.
Roth Conversion
Strategic conversions for tax-free retirement income.
Serving all of Southwest and South Central Michigan including these cities: Battle Creek, Jackson, Kalamazoo, Grand Rapids, Lansing, Benton Harbor, St. Joseph, Coldwater, Hillsdale, Sturgis, Charlotte, South Haven, Holland, Muskegon and 15-20 counties in the surrounding area.
Coverage and planning, all in one place
Four pillars of protection. One trusted local advisor.
Medicare
Plain-English help with the Medicare maze.
- Medicare Advantage (Part C)All-in-one plans that often include dental, vision, hearing, and prescriptions.
- Medicare Supplements (Medigap)Predictable out-of-pocket costs to fill the gaps in Original Medicare.
- Part D Prescription Drug PlansStandalone plans matched to your medications and pharmacy.
Life Insurance & Legacy
Protect your spouse, your family, and your legacy.
- Whole Life InsurancePermanent coverage with guaranteed cash value that grows over time.
- Term LifeAffordable income protection for a set period — great while raising a family.
- Universal LifePermanent coverage with flexible premiums and adjustable death benefit.
- Indexed Universal Life (IUL)Transfer non-qualified assets to the next generation probate-free and income-tax-free.
- Final ExpenseAffordable whole-life policies to cover funeral and burial costs — and may be protected from Medicaid Spend Down.
Safe-Money Retirement
Guaranteed, no-fee, insurance-based financial products.
- Fixed Indexed AnnuitiesMarket-linked growth with zero downside risk and no advisory fees.
- Fixed Annuities & Guaranteed IncomePredictable, guaranteed retirement income you can't outlive.
- IRA & 401(k) RolloversMove retirement savings into safer, tax-advantaged options.
Major Medical & Ancillary
Health coverage and supplemental cash-benefit plans.
- Major Medical InsuranceIndividual and family health plans on and off the marketplace.
- Cancer, Heart Attack & StrokeLump-sum cash benefits paid directly to you upon diagnosis.
- Hospital Indemnity & Skilled CareDaily cash benefits for hospital stays, recovery, and skilled nursing.
Call us today to set up your FREE consultation
Discuss your life insurance options with a licensed local advisor. In-home and office appointments are available.
Licensed, educated, and trusted
Real credentials behind every recommendation — so you can be confident in the plan we build together.
Michigan Resident Producer License
State of Michigan — Dept. of Insurance & Financial Services
Accident & Health · Life · Variable Annuities
Bachelor of Business Administration
Western Michigan University
Kalamazoo, MI · 1997
Chartered Retirement Planning Counselor
College for Financial Planning
CRPC® Designation · 2008
Request information or schedule an appointment
Fill out the form below, give us a call, or stop in. We'll get back to you within one business day — and there's never any cost or obligation.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.