Todd Bonanno - Family & Income Protection Specialist

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Protecting What Matters Most

Whether it’s about protecting your loved ones or the business you’ve built with your own hands, our insurance policies can give you peace of mind if something were to happen.

You've cleaned the gutters, checked the furnace, and started getting the house ready for another Michigan winter. But wh...
10/08/2026

You've cleaned the gutters, checked the furnace, and started getting the house ready for another Michigan winter. But when was the last time you checked your life insurance?

Fall is a natural time to prepare for what's ahead, and protecting your family deserves a place on that checklist. Maybe you've changed jobs, bought a home, welcomed a child, or simply haven't looked at your coverage in years. I'm Todd Bonanno, and I help individuals and families understand their life insurance options and whether their current coverage still fits their needs.

Before the holidays arrive and another year slips away, let's have a conversation about what matters most to you. A simple life insurance review today can help you make more informed decisions about protecting the people you love.

If you only think about life insurance as something that pays when you die, you may be missing part of the picture.Depen...
10/06/2026

If you only think about life insurance as something that pays when you die, you may be missing part of the picture.

Depending on the type of policy and how it’s structured, certain forms of permanent life insurance can accumulate cash value that may be accessed during your lifetime through withdrawals or policy loans. Some policies may also include living benefits or other features designed for specific circumstances. These aren’t features of every policy, and accessing cash value can affect the policy’s value and death benefit, which is why understanding what you actually own matters.

Don’t wait until years down the road to learn what your life insurance can and can’t do. Sit down with Todd Bonanno, review your coverage, and understand how your policy fits into your bigger financial picture.

Life insurance is personal. The relationship with the person helping you protect your family should be personal, too.Whe...
10/03/2026

Life insurance is personal. The relationship with the person helping you protect your family should be personal, too.

When you work with Todd Bonanno, you're not just working with a name on a policy or someone you'll never speak with again. The person you see here is the person you'll talk with when you have a question, need to review your life insurance, or when something changes in your family. Todd takes the time to understand what matters to you so your coverage can continue to fit the people and future you're protecting.

Life changes. Families grow. Priorities shift. Having a life insurance specialist you actually know gives you someone to turn to along the way. If it's been a while since you've had a real conversation about your coverage, Todd is here to have one.

Life doesn’t wait for the “perfect time” to move forward.You buy the house. Get married. Welcome another child into the ...
10/01/2026

Life doesn’t wait for the “perfect time” to move forward.

You buy the house. Get married. Welcome another child into the family. Earn the promotion. Start building a little more for the future.

Those are the moments worth celebrating. They’re also good reminders to make sure your life insurance is keeping up with the life you’re creating.

If it’s been a while since you looked at your coverage, a review doesn’t automatically mean you need a new policy or more insurance. It simply gives us a chance to look at what you currently have, what has changed, and whether your plan still makes sense for the people and responsibilities that matter most to you.

Life insurance planning doesn’t have to come from a place of fear.
Sometimes it’s simply about taking care of something important while life is good.

Your life may look completely different from when you bought your life insurance.Maybe you purchased a new home. Welcome...
09/29/2026

Your life may look completely different from when you bought your life insurance.

Maybe you purchased a new home. Welcomed a child or grandchild. Your income has changed. You’re getting closer to retirement. Or the people who depend on you today aren’t the same people you were protecting years ago.

Those are all good reasons to take another look at your coverage.

Todd Bonanno helps people review existing life insurance policies and understand what they currently have, who their beneficiaries are, and whether the policy still aligns with what they want it to accomplish.

A review doesn’t automatically mean you need a new policy. Sometimes it simply means confirming that the coverage you already have still makes sense for the life you’re living today.

Pull out your policy, look at when it was written, and think about everything that has changed since then.

Life changes. Your coverage should be reviewed too.

“I’ll take care of you.”It’s one of those promises we make to the person we love without thinking twice. Life insurance ...
09/26/2026

“I’ll take care of you.”

It’s one of those promises we make to the person we love without thinking twice. Life insurance is one way to put a plan behind those words.

If you’re no longer there, your spouse may still have a mortgage, groceries, utilities, car payments, children to care for, and plans for the future you built together. A life insurance benefit can provide financial support while they adjust to a life neither of you wanted them to face alone.

It can mean more time before making major decisions. More ability to remain in the family home. Less pressure to immediately replace lost income. And greater protection for the savings you spent years building together.

Todd Bonanno helps families look beyond simply having a policy and think about what they actually want that policy to do for the people they love.

Because sometimes planning ahead is simply another way of saying, “I’ll still take care of you.”

Which life insurance policy fits your life?I usually start with a simpler question: What do you need the coverage to do?...
09/24/2026

Which life insurance policy fits your life?

I usually start with a simpler question: What do you need the coverage to do? Term life insurance can help protect your family during years when they depend on your income or you’re paying down a mortgage. Whole life offers permanent coverage with cash value and generally predictable premiums. Universal life also offers permanent coverage, with more flexibility in premiums and death benefits. Indexed universal life is a form of universal life with cash value interest linked to an external index.

Each option has different costs, features, and responsibilities. A policy that works well for one family may not fit another, and cash value growth is not the same as a guaranteed investment return. If you’re comparing types of life insurance or reviewing a policy you already own, I can help you look at the details in light of your goals. Compare with care, protect what’s there.

Your life insurance should reflect the life you are protecting today, not the life you had when the policy was first pur...
09/22/2026

Your life insurance should reflect the life you are protecting today, not the life you had when the policy was first purchased.

Before we meet, gather your current life insurance policies and recent statements. Think about your beneficiaries, any major life changes, and the goal you want your coverage to accomplish. That might include replacing income, protecting a mortgage, supporting your children, covering final expenses, or leaving something behind for the people you love.

When you contact me, we will review your policies together, identify possible gaps, and discuss whether your current coverage still supports your needs. My goal is to make the life insurance policy review process clear, comfortable, and focused on what matters most to you.

Plan with care, protect what you share.

Address

Clinton Township, MI
48038

Telephone

+15862215112

Website

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