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Doesn't it make sense to find the right Georgia life insurance policy at a price you can afford?
Find the right fit for your budget on Georgia life insurance and protect your family. Request a quote and you'll compare your rate against over 25 national and local Georgia life insurance companies. There is simply not a better way for you to find a great life insurance rate then to shop and compare against other life insurers.
Not only will you compare Georgia life insurance rates with our large network of A+ rated insurance companies, but you'll also work with a live experienced life insurance agent locally right here in Georgia.
Our agency has over 35 years of experience in Georgia life insurance. Since 1972 we've been helping our clients protect their families and get the right life insurance protection! Now we want to help you get a customized quote perfectly made for your needs.
We are here and can help you find the right life insurance policy at the right price. Thats why we compare your rates based on the monthly budget you can afford!
Getting your Georgia life insurance rate is simple, either request a quote online, call our office and speak with an expert 770-461-1355, or request a call from us.
Use our experience, network of top life insurance companies, and excellent local customer service to your advantage and protect your family today!
Types Of Georgia Life Insurance
There are three main types of Georgia life insurance, term life insurance, whole life insurance, and universal life insurance. The main differences between these different types of life insurance can be
complicated. The best way to undestand them is to group these life insurance types into two groups.
Short Term Life Insurance Permanent Life Insurance
Term Life Insurance Whole Life /Universal Insurance
-10 years, 20 years, & 30 years -Coverage up to age 100
-Less expensive, limited time -More costly, longer coverage
-Easy to understand -Added investment features
How should I choose what type of life insurance to buy?
You should consider term life insurance if:
* You need life insurance for a specific period of time. Term life insurance enables you to match the lengthof the term policy to the length of the need. For example, if you have young children and want to ensure that there will be funds to pay for their college education, you might buy 20-year term life insurance. Or if you want the insurance to repay a debt that will be paid off in a specified time period, buy a term policy for that period.
* You need a large amount of life insurance, but have a limited budget. In general, this type of insurance pays only if you die during the term of the policy, so the rate per thousand of death benefit is lower than for permanent forms of life insurance. If you are still alive at the end of the term, coverage stops unless the
policy is renewed. Unlike permanent insurance, you will not build equity in the form of cash savings.
If you think your financial needs may change, you may also want to look into “convertible” term policies. These allow you to convert to permanent insurance without a medical examination in exchange for higher premiums.
Keep in mind that premiums are lowest when you are young and increase upon renewal as you age. Some
term insurance policies can be renewed when the policy ends, but the premium will generally increase.
Some policies require a medical examination at renewal to qualify for the lowest rates.
You should consider permanent life insurance if:
* You need life insurance for as long as you live. A permanent policy pays a death benefit whether you die tomorrow or live to be 100.
* You want to accumulate a savings element that will grow on a tax-deferred basis and could be a source
of borrowed funds for a variety of purposes. The savings element can be used to pay premiums to keep the
life insurance in force if you can’t pay them otherwise, or it can be used for any other purpose you choose. You can borrow these funds even if your credit is shaky. The death benefit is collateral for the loan, and if
you die before it’s repaid, the insurance company collects what is due the company before determining
what’s goes to your beneficiary.
Keep in mind that premiums for permanent policies are generally higher than for term insurance. However, the premium in a permanent policy remains the same no matter how old you are, while term can go up substantially every time you renew it.
There are a number of different types of permanent insurance policies, such as whole (ordinary) life,
universal life, variable life, and variable/universal life.
http://www.iii.org/individuals/life/buying/choose_type/
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