Michael helps Canadians explore final expense insurance with straightforward guidance, drawing on more than 25 years of experience as an independent insurance advisor.
Michael Z. Mlotek is a licensed independent insurance advisor and the owner of MM Insurance. He has worked in insurance since 1999 and brings more than 25 years of experience to conversations about protection for individuals, families, and businesses.
As an independent advisor with access to more than 20 insurance providers, Michael can help clients review available insurance options rather than being limited to a single insurer's products. His professional work includes life insurance, health coverage, group benefits, travel insurance, disability insurance, critical illness insurance, and final expense insurance.
Final expense insurance can be an important part of a broader protection conversation. Michael helps clients understand their options and consider coverage that fits their circumstances.
Michael is licensed in Ontario, British Columbia, Alberta, and Nova Scotia. His experience includes working with families, business owners, self-employed professionals, retirees, newcomers to Canada, and people seeking insurance protection for different stages of life.
For clients considering final expense insurance, Michael offers a consultation focused on understanding the role coverage may play in helping address end-of-life expenses and related financial responsibilities. Book a consultation to discuss your questions and review available options.
Michael's insurance experience spans personal, family, and business protection needs, including final expense insurance.
Guidance for clients considering life insurance coverage intended to help address final expenses and related financial obligations.
Support in reviewing life insurance options, including term, permanent, no-medical, mortgage, and final expense coverage.
Insurance options that may include personal health, dental and vision, disability, critical illness, and long-term care coverage.
Group benefits discussions for organizations, including employee benefits, group health, group dental, group disability, and related coverage needs.
Travel insurance options for Canadians and visitors, including single-trip, multi-trip, student, visitors to Canada, and Super Visa coverage.
Proven strategies we've used to help business owners save six figures, protect their estates, and secure tax-free retirement income.
See how we helped an independent consultant structure a permanent life insurance policy within his corporation, enabling him to continue building wealth without affecting his passive income limit.
Read Full Article →
After a sudden health crisis, we implemented a strategy combining corporate-owned life insurance, a holding company, and family trust to support a business owner's company, retirement, and family.
Read Full Article →
We recently helped a business owner protect a seven-figure portfolio from high taxes upon death while securing immediate business capital and supporting an orderly transfer of wealth.
Read Full Article →Book a consultation with Michael to discuss final expense insurance and the protection options that may be appropriate for your circumstances.
Book a ConsultationA consultation is an opportunity to ask questions and review your options.