Protecting Your Family's Future.

Your Local Partner for Affordable and Secure Life Insurance.

Special Risk Life Insurance offers peace of mind by securing your family’s financial future. Founder Mike Flajole and his team provide expert, personalized guidance to help you find the right coverage to protect your loved ones.

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Independent & Unbiased

We are an independent life insurance broker, which means we work for you. We compare policies from top carriers to find the best life insurance options for your unique situation.

Personalized Service

Navigating life insurance can be overwhelming. We take the time to listen to your needs, explain your options clearly, and answer all your questions, providing a personal, pressure-free experience.

Comprehensive Solutions

Whether you need the affordability of term insurance, the lifelong protection of whole life, or specialized final expense coverage, we offer a wide range of products to fit your goals.

About Us

Your Trusted Kalamazoo Life Insurance Broker

Special Risk Life Insurance, led by Mike Flajole, is a dedicated life insurance broker serving the Kalamazoo area. We are committed to providing personalized and expert guidance to individuals and families seeking financial security. Our mission is to demystify the world of life insurance, offering clear, honest advice without the pressure of a specific provider. We leverage our independence to compare a wide array of life insurance policies—including term, whole, and final expense—ensuring you receive a plan that truly fits your life, goals, and budget. Whether you’re planning for your children’s education or securing your spouse’s future, we are here to help you make informed decisions.

Securing What Matters Most

We Are Here to Help

Life insurance is one of the most important financial decisions you can make. It provides a crucial safety net, ensuring that your family can maintain their quality of life, pay off debts, and cover future expenses even if you are no longer there.

Insurance Services In Kalamazoo MI

Life Insurance

Group Life Insurance

Term Life Insurance

Whole Life Insurance

Burial/Final Expense Insurance

Indexed/Guaranteed Universal Life Insurance

Start Protecting Your Family Today

Get Your Free Quote

Ready to find an affordable life insurance policy? Contact us for a free, no-obligation quote. We’ll walk you through the types of coverage available, including term and whole life, to find a solution that best fits your financial situation and offers the protection your family deserves.

Get in touch

Secure Your Family's Financial Future

Have questions about life insurance or need to discuss your coverage options? Mike Flajole is here to provide the answers you need. Reach out today to schedule a personalized consultation. We are dedicated to helping our neighbors in Kalamazoo and beyond secure their financial future with expert advice and comprehensive, tailored life insurance solutions.

Trusted Guidance. Exceptional Service

Why Our Clients Choose Us

Our clients consistently choose us because we put their needs first. We provide honest, unbiased advice and work tirelessly as an independent broker to find the best life insurance products at the most competitive rates, ensuring their financial goals are met.

Kase Jimmy

Client

Mike is a real expert in his field. He has a great capacity to determine the appropriate policy for complicated circumstances. I really appreciate his assistance!