Older couple relaxing on the steps of a Northern Michigan lake cottage at sunset
Complimentary, no-cost review

Take care of the final bills. Leave them love instead.

Final expense life insurance helps your family cover the costs you leave behind, so they can focus on each other. David Emmott and Vero Retirement Services walk you through it in plain English.

Freefirst call
10+ yrshelping families
1-on-1with David
Book a Free Call Call (231) 599-7784
No cost, no obligation Based in Traverse City Family-first guidance

See your options

3 questions · 30 seconds · no obligation

What's on your mind most?

Who is the coverage for?

When would you like to talk?

Where should David reach you?

🔒 We never sell your info.
✓
You're all set

We'll reach out shortly.

Want to talk sooner? Pick a time with David.

Pick a Time → Call (231) 599-7784
Freeno-cost review
10+ yrsof service
1-on-1personal guidance
LocalNorthern Michigan roots
How we help

Peace of mind for you. Less to carry for them.

Nobody likes to think about it, but a simple plan today can spare your family a hard conversation later. We start by listening, then show you options that fit your budget.

Mother and adult daughter laughing together at a kitchen table
Main focus

Final Expense Life Insurance

Life insurance sized to help with funeral costs, medical bills and other expenses, so they don't fall on your family.

Couple talking with an advisor in their living room
Review

A Look at Your Coverage

Already have a policy? We'll review what you have, explain it clearly and show you where you stand. 90% of the time we can improve your situation, and it's complimentary.

Grandfather and grandchild walking on a Lake Michigan beach at sunset
Beyond

Retirement Planning

Annuities, income planning, long-term care and Medicare. We can look at the whole picture when you're ready.

Why Vero

We don't work for anyone but you.

Individual service

Every person and family is different. You get a real conversation about your goals, not a script.

Tailored to you

One size does not fit all. With one of the largest product catalogs available, we match the plan to you.

Community roots

We're Northern Michigan natives and proud to be part of Traverse City. Our neighbors are our clients.

David Emmott of Vero Retirement Services
Meet David Emmott

Your neighbor in Traverse City

For over a decade, Vero Retirement Services has helped individuals and families across Northern Michigan reach their financial goals with personal service and peace of mind. David's approach is simple: listen first, explain your choices clearly and stay with you for the long term.

Talk to David Call (231) 599-7784
Our process

Three simple steps to peace of mind

01

Explore

We have a friendly talk to understand where you are today and what you want for your family.

02

Develop

David reviews your situation and puts together options that fit your needs and your budget.

03

Put into action

Once you choose what feels right, we take care of the next steps and stay with you from there.

Our promise

"Your money, your way. Dedicated guidance tailored just for you."

David Emmott — Vero Retirement Services
Book a call

Book your free call with David

Let's have a conversation.

Pick a time that works for you, or call (231) 599-7784.

  • Final expense life insurance
  • A clear look at your current coverage
  • Plain-English answers
  • Free, with no obligation
Quick answers

Questions, answered

What is final expense life insurance?

It's life insurance meant to help cover the costs people leave behind, like funeral costs, medical bills and small debts. It pays your beneficiary so your family has less to worry about.

Is the call really free?

Yes. We offer a complimentary, no-cost review of your situation, and there's no obligation to buy anything.

How much coverage do I need?

It depends on what you'd like to cover and your budget. David will talk it through with you and show you options.

Will I need a medical exam?

No medical exam needed. We can find coverage no matter your health.

Do you help with anything else?

Yes. Vero also helps with retirement planning, annuities, income planning, long-term care and Medicare.

How do I get started?

Answer the 3 quick questions at the top of this page, book a time below or call (231) 599-7784.

Call Book a Call
Vero Retirement Services ● online — replies quickly
Hi! 👋 Have a question about final expense coverage or planning for retirement? Ask away.