is a website focused on helping clients place individual and business life insurance directly to the consumer via the internet. It was formed to find residents and businesses in Michigan who are interested in product information and prices on various types of life insurance products.

DSC00667Large210x210DSC00623Large1210x210Our independent agency offers Life Insurance through multiple life insurers. My agency represents over twenty large life insurance companies and offers fixed life insurance products underwritten and issued by well-known carriers including Prudential, Genworth Financial, Mutual of Omaha, Principal Financial, Lincoln National, MetLife, Transamerica, Nationwide, Pacific Life and many more. The agency is operated in the State of Michigan only and, therefore, its products are available only in the State of Michigan. Product provisions and features may vary from state to state.

This web site is provided for general information purposes and does not change or modify the provisions of any policy. The material contained in this website is offered for the purpose of information and education only and is not a substitute for obtaining advice from a legal, tax or other qualified adviser.

Office Location

Life Insurance Michigan
Cambridge Investment Research
42705 Grand River Ave., Suite 201
Novi, MI 48375

Curt M Happold

Chartered Life Underwriter® (CLU®) / Financial Advisor / Agent

About UsCurt M Happold is a Chartered Life Underwriter® (CLU®), Financial Consultant, Investment Adviser Representative, life, disability and long-term care agent servicing Michigan. Curt is the sole agent for the Curt M Happold Agency, and he is registered with Cambridge Investment Research, Inc. (Cambridge). Cambridge is a member of FINRA/SIPC, an independent, privately owned broker-dealer with over 2,900 independent registered representatives. Cambridge has been honored as ‘Broker Dealer of the Year’ for 2015, 2014, 2013, 2012, 2010, 2008, 2007, and 2003 by Investment Advisor magazine; and was ranked 9th in the ‘2015 FP50 IBD Revenue Growth’ by Financial Planning magazine. Cambridge is also among the top 25 large companies honored as a ‘Top Workplace in Iowa’ for 2015, and is one of only 13 companies consecutively ranked among the Top Workplaces since the ranking began in 2011 by the Des Moines Register.

Curt has 25 years of experience in the Financial Services industry and earned his Chartered Life Underwriter® (CLU®) designation from the American College. In addition, Curt is a graduate of Lawrence Technological University where he earned his BSBA in accounting and finance. He began his financial career in 1989 as a stockbroker at a large regional brokerage firm and brings with him not only a wealth of knowledge and experience, but also all of the tools and expertise necessary to help all of his customers define and achieve their financial goals.

Why us?

We are life, disability, and long-term care insurance agents who handle your case from beginning to end. A vast majority of our online competitors are actually lead generating services in which the leads are sold to multiple insurance agents. Your information will not be sold or shared with any insurance agents, or other companies. Our goal is to help you with your insurance needs. Term and permanent life insurance are our areas of expertise. Our goal is to work with our clients to assess their insurance needs and find the best solution through our partner insurance companies.

What to Expect from Us?

We have a proven process which we consistently follow:

  • You will receive a phone call, or if you prefer, an email response within 24 hours.
  • We will provide you potential prices over the phone and can provide a written proposal to you within 24 hours.
  • We have a three person staff available to receive your calls from 9:30 – 6pm EST.
  • Honesty, Integrity, and Appreciation is the foundation of our business.