Michael McGarrigle, Life Insurance Agent
Michael McGarrigle
Michael McGarrigle Inc
Life Insurance Agent Licensed in FL, DE, GA, HI, IN, MI, NC, OH, OK, PA, SC, TN, TX and WI
38+ Years of Experience
Contact Details
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Location
Melbourne, FL
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Website
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Schedule An Appointment
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Pre-Appointment Form
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Facebook
Michael Can Help With:
About Me
Good day! My name is Michael, and I am passionate about helping people understand their life insurance choices. I provide no-cost guidance while reviewing options from top-rated companies, so you can feel confident knowing your family is taken care of.
Directions to My Office
My Google Reviews
86 Total Reviews (5.0)
March 25, 2026
Mike and Lindsey are awesome and very helpful! Made the Medicare process easy and understandable, as much as a government program can be understood. :-)
March 16, 2026
We are very satisfied with his guidance and information over the years.
March 16, 2026
Great service! Mike has always provided prompt, accurate and professional service. We have been happy with his services for the last 13 years.
March 13, 2026
Thank you Mike for explaining our options and helping us change plans. Highly recommend using him as your agent as you turn 65 and are making decisions. New to Medicare recipients need to know their options and with his yesrs of experience he does a great job explaining options.
March 13, 2026
He's very knowledgeable
Q&A with Michael McGarrigle
Can I switch life insurance companies without losing coverage?
Answer: You will need to apply for a new policy to switch companies and retain the same level of coverage. Replacing life insurance can provide lower premiums, better benefits, or longer guarantees. Still, it also involves risks such as new underwriting, loss of existing policy advantages, and the restart of contestability and suicide exclusion periods. The existing policy should remain in force until the new policy is fully approved and active.
What is the most common mistake people make when buying life insurance?
Answer: In my opinion, the most common mistake is not getting enough life insurance. Work with a solid reputable insurance agent to determine the right amount of coverage.
How do you help a client decide between term and whole life insurance?
Answer: I conduct a financial and needs analysis to determine the appropriate amount and type of life insurance. I then review the client's goals, budget, and coverage needs, explain the differences between term and whole life insurance, and help them select the solution that best meets their objectives.
What is the difference between level term and decreasing term life insurance?
Answer: Level term has a level death benefit whereas decreasing term the death benefit decreases over the period of time. We typically use level term products rather than decreasing term.