Health & Life Insurance
Personalized Health & Life Insurance Solutions In Brighton, Michigan & Beyond
Whether you’re choosing coverage for the first time, protecting your growing family, or planning ahead, we simplify the process with clear guidance and solutions built entirely around your needs—never sales quotas.
Clear guidance through complex options
We help you navigate health and life insurance with confidence—breaking down coverage, costs, and benefits into straightforward guidance so you can make the best decision for your situation, not ours.
Recommendations built around you—not commissions
Our approach is simple: find the right solution, period. We evaluate a range of options to recommend coverage that truly fits your needs, goals, and budget—without pushing products that don’t serve you.
Protection that evolves with your life
As your life changes (whether it’s a new job, growing family, or future planning), we proactively adjust your coverage to make sure you’re always properly protected.
A long-term partner you can trust
Insurance is about more than policies—it’s about peace of mind. We’re here to provide ongoing support and honest guidance, helping you protect what matters most every step of the way.
Contact Us Today
Guidance You Can Rely On
What sets us apart isn’t just the policies we recommend— it’s the way we guide you through your options. At Upstream Planning, we believe insurance decisions should feel clear, honest, and centered around your needs, not driven by sales pressure or one-size-fits-all solutions.
From your first conversation to every stage of life ahead, our focus is on building a relationship rooted in trust, transparency, and long-term support. Because the right coverage isn’t static: it should evolve as your life, family, and priorities change.
Health Insurance
Medicare Plans
Supplemental Insurance
Prescription Drug Benefit (Part D)
Medicare Advantage
Affordable Care Act Plans (Marketplace)
Dental Plans
Long Term Care
Life Insurance
Term Life
Final Expense
Long Term Care
Whole Life
Universal Life
Navigating health and life insurance can feel overwhelming, but it doesn’t have to be. At Upstream Planning, we help individuals and families simplify the process with clear, honest guidance and coverage solutions designed around your needs—not sales incentives.
Led by Jonathan Harris and backed by over 25 years of experience, our team is committed to putting your best interests first. Taking the time to understand your situation, priorities, and concerns allows us to ensure every recommendation thoughtful, unbiased, and built to truly protect what matters most.