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, John Hancock, 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

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, 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 3,700 independent registered representatives.

Curt has over 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.

Cambridge Disclosure:

The Top Workplace in Iowa; 2011-2023; The Top Workplace USA, 2021-2023; The Financial Services Industry Top Workplace, 2022-2023, recognitions are determined by associate feedback through an anonymous survey conducted by Energage, an independent research company. More information on the methodology to qualify can be found here.

Broker-Dealer of the Year Award

2A broker-dealer becomes eligible for this honor only after a minimum of 10% of its producing financial professionals cast valid ballots. The ballots rate the broker-dealer in 15 different categories defined by Investment Advisor as relevant challenges and concerns. Broker-dealers receiving the highest marks in each of four divisions are declared Broker-Dealer of the Year. Results are based on experiences and perceptions of participants surveyed in June of each of the years listed. Experience may vary. This recognition is not representative of investment performance or returns of financial professionals. Visit

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.