MICHIGAN ROOTS · PERSONAL GUIDANCE

Meet Nicole and Joshua Lifford.

We’re independent life insurance agents based in Muskegon, Michigan. Our work starts with who you want to protect and what you want coverage to help them do.

Nicole Lifford · Agency Owner

NPN 19456207. Nicole owns The Lifford Agency and is available for introductory coverage conversations by phone or text at 423-251-4958.

Joshua Lifford · Co-Owner

NPN 7105629. Joshua is co-owner and can be reached by phone or text at 616-330-7796.

Independent agents. Clear questions.

We are affiliated with Quility / Symmetry Financial Group. We help people discuss mortgage protection and final expense life insurance, with available products subject to carrier authorization, state rules and underwriting. Learn how to compare carrier options →

Remote service from our home state

We live and work from home in Muskegon and have no walk-in office. Families can begin with a phone or text conversation. Our team serves people across the 50 states, and each responding agent must confirm the licensing and products available for the applicant’s residence.

Explore our Michigan life insurance guide →

What happens after you reach out?

The introductory form records your coverage interest, the people you want to protect and your preferred contact method. An agent reviews your request and follows up personally. Completing it does not start a policy or guarantee approval.

An NPN is a producer identifier, not proof of an active license in every state. Ask the responding agent about the applicable license and proposed insurer before applying.

Questions about the site or your information? Email lifeagent.joshua@gmail.com or read our privacy and contact choices.