Experience Premium Coverage with Higher Standard Agency's Trusted Insurance Solutions.
Higher Standard Agency was founded with a simple yet powerful vision: to bring a higher standard of service to the insurance industry. After years of witnessing how traditional insurance agencies often prioritized sales over service, our founder Nik Biddinger decided there had to be a better way.
Drawing from his deep roots in Northern Michigan and extensive experience in customer service, Nik established Higher Standard Agency to bridge the gap between insurance providers and the individuals and families who depend on their coverage. Our agency was built on the belief that open communication, transparency, and genuine care for our clients' wellbeing should be at the heart of every interaction.
Our Approach
What sets Higher Standard Agency apart is our comprehensive, client-centered approach to insurance:
Personalized Assessment: We take the time to understand your unique situation, needs, and goals before recommending any coverage.Strategic Planning: Rather than simply selling policies, we create strategic insurance plans that align with your long-term financial objectives.Ongoing Support: Insurance isn't a one-time transaction. As your life evolves, so should your coverage. We're here for you through every milestone and transition.Clear Communication: We believe in explaining complex insurance concepts in straightforward terms, ensuring you fully understand your coverage.Dedicated Advocacy: Should you ever need to file a claim, we stand by your side as your advocate throughout the entire process.
Our Services
Higher Standard Agency specializes in life insurance solutions designed to protect what matters most to you:
Term Life InsuranceWhole Life InsuranceUniversal Life InsuranceFinal Expense InsuranceMortgage ProtectionIncome ProtectionBusiness Continuation Planning
As proud members of the Traverse City community, we believe in giving back to the region we call home. Higher Standard Agency is actively involved in local initiatives and charitable efforts that strengthen our community and support our neighbors in need.
Meet Our Team
Nik Biddinger - Founder & Lead Agent
Nik brings a wealth of experience and a deep commitment to client service to Higher Standard Agency. Having served the Northern Michigan community for years, Nik has built a reputation for integrity, reliability, and genuine care for his clients' wellbeing.
Nik's approach to insurance is rooted in education and relationship-building. He believes that when clients fully understand their coverage options, they make better decisions for their financial future. This philosophy of transparent, no-pressure service has become the cornerstone of Higher Standard Agency's identity.