Daly-Merritt is proud to offer our clients the services of a division dedicated exclusively to our client needs in the Life and Benefits area. As such, we maintain markets with some of the nation's top insurance companies for the benefit of our clients. Benefits are available for business owners and their employees (i.e., group plans), or for individuals and their families (i.e., individual plans). Our premiums are clearly among the most competitive available, as evidenced by this Division's steady and substantial growth during the last two decades. In addition, in the areas of Life Insurance, Long Term Care, and Estate Planning, Daly-Merritt is proud to be the only independent insurance agency in the State of Michigan that is able to provide the full resources of not one, but two particular insurance carriers with the very highest financial ratings. These key markets are important where only six of over 1,400 insurance companies have earned the very highest financial ratings from each of the major rating agencies, namely:AM Best: A++Standard and Poor's: AAAMoodys: AAADuff and Phelps: AAAThis added level of financial security exclusive to Daly-Merritt speaks volumes about our steadfast commitment to premier quality insurance plans with competitive premiums for the benefit of our clients.