Phase Four Ltd. will guide you through the seasons of life’s uncertainties. We will accomplish this by providing personal, affordable health insurance, employee benefits and financial planning that includes retirement planning. We specialize in design, education and implementation of core group benefits that go well beyond health insurance, with voluntary benefits, and executive carve out benefits. We provide Michigan health insurance as well as group long term disability insurance services. Additionally we provide catastrophic health insurance services for long-term care, group universal life insurance, return of premium and term or whole life insurance services. If you're looking for affordable health, dental and vision insurance services for you, your family, your business or practice and your employees, you've come to the right place. Whether you are searching for individual health insurance in Michigan, quality long-term disability insurance throughout the Midwest or across the nation, we are Your Essential Benefit Planning Partner. We look forward to serving you.