Looking for a Frase,r MI Health Insurance Broker? David Charles Insurance is a Independent Insurance Broker. We specialize in Health, Life, Supplemental, Aflac, Dental, Medicare, Disability, Auto and Homeowners insurance for residents of Fraser Michigan and the nearby areas. Contact us so we can show you how you can save money. So if you are in Fraser, MI or the surrounding areas, and need a Health Insurance Broker, please call.