Notice: This site is for informational purposes only and does not constitute a binding contract, offer, or guarantee of coverage. All quotes are subject to underwriting approval.
A Question Worth Asking

"What is your plan if you don't make it home tomorrow?"

It's a hard question. It's also the one every honest life insurance conversation starts with.

Your family doesn't get to choose what happens next. But you get to choose how prepared they are for it. The calculator on the right gives you a starting estimate in 60 seconds. The conversation that follows is where real protection gets built.

10×
Income Rule of Thumb
$25
Starting Monthly Cost*
30yr
Max Term Available

*Sample illustrative rate for healthy non-smoker, age 30, $250K term. Actual rates determined by underwriting.

Life Insurance Needs Calculator

Slide to estimate how much coverage your family may need.

35 yrs
$75,000
2
$200,000
Estimated Coverage Needed
$950,000
Suggested: 30-Year Term Policy
Apply for Life Insurance

This calculator provides general educational estimates only and does not constitute a binding quote, recommendation, or guarantee of coverage. Final coverage and premiums are subject to underwriting and policy terms.

A Michigan Company Since 1949 Licensed Statewide

Insurance that protectswhat matters most.

From the front porch to the back forty, Farm Bureau Insurance has been protecting Michigan families, farms, and businesses for over 75 years. Kurtis Nestle is your local Farm Bureau Insurance agent, writing coverage across the state of Michigan.

Get My Free Quote Explore Coverage

Start Your Quote

Takes about 60 seconds. No obligation.

We do not sell or share your information. Submission does not bind coverage.

1949
Farm Bureau Heritage
100%
Michigan Owned
24/7
Claims Support
The Nestle Agency team in front of 311 E Main Street, Lowell, MI
311 E Main Street

The team behind every policy.

When you call The Nestle Agency, you're not getting a call center. You're getting Kurtis, Madison, Terry, Bob, Rachael, Marcus, and yes, Bailey too. Real people you'll recognize on Main Street. Real coverage backed by Farm Bureau Insurance of Michigan since 1949.

Come say hi. Our door (the red one) is open.

Visit Our Office
Coverage

Insurance built for how Michigan lives

From the family pickup to the family farm, we tailor coverage to fit your life, not the other way around.

Homeowners

Dwelling, contents, liability and more. Protect the place where your story happens.

  • Replacement-cost coverage
  • Personal property protection
  • Liability & medical coverage
Learn more →

Auto

Liability, collision, comprehensive coverage that drives the way you do.

  • Liability & PIP (MI compliant)
  • Collision & comprehensive
  • Roadside assistance
Learn more →

Farm & Ag

Farm Bureau roots run deep. Coverage for barns, equipment, livestock, and crops.

  • Farm dwelling & outbuildings
  • Equipment & livestock
  • Crop & farm liability
Learn more →

Commercial

Coverage that works as hard as you do, for shops, contractors, and small business.

  • General liability
  • Property & business interruption
  • Workers' comp options
Learn more →

Life

Term, whole, and universal life. Make sure the people you love are taken care of.

  • Term & permanent life
  • Final expense plans
  • Family income protection
Learn more →

Umbrella

An extra layer of liability that picks up where your other policies leave off.

  • $1M+ extended liability
  • Lawsuit & legal defense
  • Worldwide coverage
Learn more →
Why Nestle Insurance

Local hands. Real relationships.

You shouldn't have to call a 1-800 number when life happens. Here, you'll know your agent by name.

Independent Advice

Honest coverage recommendations from someone who lives in your community.

Strength of Farm Bureau

Backed by one of Michigan's most trusted insurance organizations since 1949.

Claims, Handled.

Direct support, fast turnaround, and a real human walking you through every step.

Real People, Real Coverage

What our clients say

Google Reviews
★★★★★

Our clients trust us, and they say so.

Read honest reviews from real Nestle Agency clients, or leave your own.

Read Our Google Reviews Leave a Review

Ready to see what we can do for you?

Free quote. No pressure. Just real coverage from a real agent.

Get My Quote
Coverage

Insurance for every part of your life

Comprehensive Farm Bureau coverage tailored to Michigan families, farms, and businesses.

Homeowners Insurance

Protect your home, your belongings, and your peace of mind with coverage built for Michigan weather and Michigan homes.

  • Dwelling & structure replacement
  • Personal property coverage
  • Personal liability protection
  • Loss of use / additional living expenses
  • Optional flood, sewer backup & jewelry riders
Quote Home

Auto Insurance

Michigan compliant auto policies with the protection you need on the road, and the savings you deserve.

  • Liability & Personal Injury Protection (PIP)
  • Collision & comprehensive coverage
  • Uninsured / underinsured motorist
  • Roadside assistance & rental reimbursement
  • Multi-vehicle & bundle discounts
Quote Auto

Farm & Agricultural

Farm Bureau was built for the farm. We understand what's at stake, and what it takes to protect it.

  • Farm dwelling, barns & outbuildings
  • Tractors, equipment & implements
  • Livestock & livestock liability
  • Crop & hay coverage
  • Farm-related personal & business liability
Quote Farm

Commercial & Business

From the corner shop to the contractor's crew, business insurance built around what you actually do.

  • General & professional liability
  • Commercial property coverage
  • Business interruption insurance
  • Commercial auto & fleet
  • Workers' compensation options
Quote Business

Life Insurance

Whether you need protection for a season or a lifetime, we'll find the plan that fits your family.

  • Term life (10, 20, 30 year)
  • Whole & universal life
  • Final expense / burial coverage
  • Income replacement planning
  • Annuity & retirement options
Apply for Life Insurance

Umbrella Liability

One bad day shouldn't cost everything you've built. Umbrella policies extend your protection where it counts.

  • $1M to $5M+ additional liability
  • Coverage above home & auto limits
  • Legal defense cost coverage
  • Worldwide personal liability
  • Affordable peace-of-mind protection
Quote Umbrella

Not sure what coverage you need?

That's what we're here for. Let's talk through it. No pressure, no sales pitch.

Talk to an Agent
About

People you know. Protection you trust.

A Michigan company since 1949. Serving every county in the state, with our doors open in the heart of downtown Lowell.

Meet Kurtis

A Michigan agent for Michigan families.

Kurtis Nestle is a licensed Farm Bureau Insurance agent serving clients across the state of Michigan. He and his wife are raising their family right here in West Michigan, which makes this work more than a job. It's how he protects the kinds of families he goes home to every night.

The Nestle Agency office sits in the heart of downtown Lowell at 311 E Main Street. Stop in, give us a call, or get a quote online. Whichever you prefer, you'll get the same thing: a straight answer and real coverage.

Farm Bureau Insurance of Michigan. A Michigan company since 1949.

The Nestle family
The Nestle Family
Why this work matters.

Integrity

We'll tell you what you actually need, even when it's less than what we'd sell you.

Community

You're not a policy number. You're a person, and probably a neighbor.

Responsiveness

Claims, questions, policy changes. We pick up the phone, every time.

Heritage

A Michigan company since 1949, built on the same values that built this state.

The Team

The people behind the policy

Real names. Real faces. Real people who answer the phone.

The Nestle Family

Kurtis Nestle

Agency Owner, Licensed Agent

Licensed Farm Bureau Insurance agent writing coverage across the state of Michigan. Raising a family in West Michigan and proud to call downtown Lowell home base.

Madison

Madison

New Business, Licensed Producer

P&C licensed and holding her UACRM and UACIC designations. Olivet College 2026, B.A. Insurance & Risk Management. The reason nothing falls through the cracks here.

Terry Abel

Terry Abel

Customer Service Representative, With Farm Bureau Since 2003

Two decades of Farm Bureau Insurance experience. Policy changes, billing questions, certificates, ID cards. Terry keeps the day to day running smoothly for every client.

Bob Wojciakowski

Bob Wojciakowski

Customer Service Representative

A familiar voice when you call in. Bob handles client service across home, auto, farm, and commercial accounts.

Rachael Lockner

Rachael Lockner

CSR, New Business Processor, Office Mom

Customer service, new business processing, and the unofficial heart of the office. Rachael is the one who remembers your kids' names and asks about them by the second call.

Marcus Fairfield

Marcus Fairfield

Marketing, Life and P&C Producer

Farm Bureau Insurance agent from 2013 to 2022 and now back on the producer side at The Nestle Agency, licensed in Life and Property & Casualty. U.S. military veteran (2007 to 2015). Serves as President of Disability Advocates of Kent County, sits on the Patient Family Advisory Committee, is minority owner of Aidan Medical, and brings marketing leadership from multiple industries to the agency.

Bailey, the office greeter

Bailey

English Pug with a touch of Puggle, Office Greeter

The best part of any visit. 75% English Pug with a touch of Puggle. Works for treats, accepts pets as payment, and has been spotted handling policy reviews from her own desk.

Contact

Let's talk coverage

Send us a message or call directly. A licensed agent will get back to you within one business day.

Send us a message

We do not sell or share your information. Submission does not bind coverage.

Reach us directly

Phone

(616) 656.2132

Email

5351staff@fbinsmi.com

Office

311 E Main St
Lowell, MI 49331
Serving all of Michigan

Hours

Mon to Thurs 8:30 to 4:30
Friday until 4:00

What to expect

Here's how it goes when you reach out to us:

1

We listen first

No pressure, no pitch. We start by understanding what you need to protect.

2

We build the quote

Custom coverage matched to your situation. Most quotes within 24 hours.

3

You decide

You're never on the clock. Take your time, ask questions, then choose what fits.

Find Us

Stop by the office

311 E Main Street, in the heart of downtown Lowell. Look for the red door.

Free Quote

Home & Auto Quote Request

Tell us about your home and vehicles. The more you share, the more accurate your quote. Takes about 5 minutes, and there is no obligation.

1

General Information

Policy Holder 1
Policy Holder 2 (if applicable)
Contact & Details
2

Homeowners

3

Auto

Optional — complete for bundling discounts
Drivers & Household Members

List all members of the household, whether or not they drive.

Driver 1
Driver 2
Driver 3
Vehicles
Vehicle 1
Vehicle 2
Vehicle 3

More than 3 drivers or vehicles? Add the rest in the notes below.

4

Additional Notes

We do not sell or share your information. Submitting this form does not bind coverage. All quotes are subject to underwriting approval.

Legal

Privacy Policy

How The Nestle Agency handles the information you share with us.

Last updated:

Who we are

The Nestle Agency is an independently owned insurance agency offering products of Farm Bureau Insurance of Michigan, located at 311 E Main Street, Lowell, MI 49331. You can reach us at (616) 656.2132 or 5351staff@fbinsmi.com.

What information we collect

When you submit a quote request or contact form on this website, we collect the information you choose to provide, which may include your name, phone number, email address, the type of coverage you are interested in, and any message details you enter. We do not collect sensitive personal information through this website, and we ask that you not include policy numbers, Social Security numbers, or financial account details in website forms.

How we use your information

We use the information you provide solely to respond to your request, prepare insurance quotes, service your policies, and communicate with you about your coverage. A licensed agent or member of our staff will use your contact information to follow up with you directly.

How we share your information

We do not sell or rent your personal information to anyone. Information you submit is shared only with The Nestle Agency staff and, where necessary to provide a quote or service a policy, with Farm Bureau Insurance of Michigan and its affiliated underwriting companies. We may also share information when required by law.

Form submissions

Website form submissions are processed through a third party form delivery service that transmits your message to our agency email inbox. That service processes the data only to deliver it to us and does not use it for its own marketing purposes.

Your choices

You may request that we correct or delete the contact information you have submitted through this website at any time. To do so, call us at (616) 656.2132 or email 5351staff@fbinsmi.com and we will promptly honor your request.

Updates to this policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised "last updated" date.

Questions? Contact Us