Motor Vehicle

• Auto Insurance

Health and Life

• Life Insurance
  “People don’t buy life insurance because someone is going to die.  They buy it because others must go on living...”  Andy Gremel
• Health Insurance
  Medical insurance is viewed as the core benefit to a large population of employees and, by a wide margin, it carries the highest price tag. The type and structure of your medical insurance program can have immense financial implications for business owners and their  employees.  There is no universal solution.
• Disability Insurance
  Disability Insurance is perhaps the most important coverage a person will ever purchase.  From a financial perspective, a long term disability can be worse than a premature death because the insured is still living and generating significant expense.  The Gremel Group works with leading carriers to provide income protection coverage as well as business overhead expense and business Buy-Sell coverage.  Andy Gremel designed and implemented the Grand Rapids Bar Association Disability Income Insurance program.  The Gremel Group continues to provide disability insurance advice and counsel to attorneys and other professionals to this day.
• Long Term Care
  As a member of the State Bar of Michigan, Andy uses his experience and knowledge to design salary continuation arrangements; executive compensation programs; retirement packages; business succession plans; and long-term care programs. He is licensed to practice law in the State of Michigan. However, Andy utilizes his legal knowledge and continuing education commitment to better advise clients when buying health, life, disability income, long term care and accident insurance.

Business

• Business Insurance
  Do you struggle with enrollment processing? With the use of benefit administration systems, we streamline the enrollment process for both small and large groups.
• Workers Compensation Insurance
  What about commercial insurance, like Workers Compensation, Business Owners insurance, Auto/Fleet, Cyber and Commercial Liability?
• Commercial Liability Insurance
  For more than 30 years The Gremel Group has worked closely with the professionals at Glenn Morris and Associates to coordinate our clients’ insurance programs to meet their varying individual and commercial needs. We welcome the opportunity to help you coordinate your personal and commercial liability needs, or feel free to visit their website or call (616) 361-3400. Our Belmont and Grand Haven offices are located next to each other.

Personal

• Annuities
  In addition to tax deferred growth, annuities are the only financial instrument that can guarantee you an income that cannot be outlived.  For this reason, annuities have a proper place in nearly every financial plan.  We work through a wholesale network that provides us access to the most competitive products offered by the most financially strong carriers.  Contact us if you would like to learn more or obtain an annuity quotation.