Term life insurance for your family

Term Life Insurance: Basics

Everything you need to know – in under 3 minutes!

Life insurance is not that complicated! We help break it down.

You want to have a financial safety “NET” for your family or business and a life insurance policy can do that.

and it’s affordable.

What does term life insurance provide?

Money For Dependants

If you have a spouse or children, you need a life insurance policy. If there was an unexpected death, would your family be able to survive finacially?
A life insurance policy will provide your family with money to: pay the mortgage, school/college, bills and debt, kids activites.

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If you are single with no dependents you my still benefit from a policy. It’s affordable and if you have a mortgage, school loans, debt- this will protect your parents/family from financial stress if you were to pass.

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Funeral Expenses

You can use a life insurance policy to cover funeral expenses and final estate obligations when you die.
Funerals today can cost $10-40K

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Essential Employee

If you have a business and an employee you couldn’t live without – you should protect these assets with a life policy. If your employee unexpectedly dies, you will have time to restructure your business or cover payroll till you are able to find a replacement.

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Business Partner

If you have a business with a partner and one of you dies, a life policy will provide funds to pay his/her portion of the business to their family and till control your business.

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Loan Collateral

Business loans often require collateral and many banks will accept a life insurance policy as collateral. This can be a smart way to either leverage a policy you already have or put one in place specificly for that purose.

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What is the difference between life insurance policies?

Term Life

Sample $250,000 policy for
healthy 45 year old.


A life insurance policy typically used to replace lost income due to death during working years, or used for business needs such as Key Man, Buy Sell, or loan collateral.

  • Most common
  • Premium locked in for length of term.
  • More affordable
  • When healthy – very easy to qualify
  • Easy to apply- can get a policy in minutes sometimes.
  • Death Benefit generally passes to Beneficiary Tax Free.
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Whole/Permanent Life

Sample $250,000 policy for
healthy 45 year old.


A permanent life insurance policy that will accumulate cash value over time. These policies are typicaly used for estate needs or passing on funds to family.

  • Covers you for life, never have to re-apply even if your health declines.
  • More expensive than term but provides more financial options
  • Often used for generation wealth transfer for children/grandchildren
  • Can borrow from the policy – access to funds to help cover medical costs or extravagant trip on your bucket list.
  • Has a cash value.
  • Death Benefit generally passes to Beneficiary Tax Free.
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Universal LIfe and Index UL

Sample $250,000 policy for
healthy 45 year old.


A type of permanent life insurance that has an option to earn interest based on either fixed rates or positive gains to the tied index such as the S&P500.

  • Covers you for life
  • More expensive than term but can be less than whole/permanent policy
  • Can earn interest which can grow your policy value.
  • If investments underperform your cash value can go now- more risk than other types of policies.
  • Allows you to adjust your premiums at times
  • If you borrow from the policy, not taxed.
  • Death Benefit generally passes to Beneficiary Tax Free.
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How much life insurance do I need?

home mortgage for life insurance

Consider the amount left on your home mortgage.

If you die, would your family be able to pay the monthly house payment and stay in the home financially?

Factor this into the policy amount needed.

Tuition coverage by term life insurance

Include any student loans you have left to repay.

Do your children attend private school? Do they plan to attend college?

Make sure there is enough to cover your childrens future.

outstanding loans covered by term life insurance

Don’t leave debt to you loved ones to stress about.

Include car loans, credit cards, medical bills and other things that would need paid.

household expenses covered by term life insurance

With inflation now things are becoming more expensive.

Consider your families monthy utilites/food/dining/entertainment.

savings and investments

Now that you have above expenses covered, subtract what you already have in savings and investments.

MAKE IT EASY- often times we say, “your yearly income x 10 = good minimum policy amount”

Too Overwhelming?


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Policies In 4 Easy Steps!

Decide which policy is best for you; Term vs Whole/Permanent

Most clients choose a Term policy but if you want to look at a Whole life or Universal Life policy – We love helping you evaluate all your options.


Fill out an application and we help you shop around for the best policy with the most trusted life insurance companies.


Life insurance companies will request to review your health records to determine your premium amount. Also you may be asked to do a simple
in-home exam.

Policy Accepted

Underwriting complete! Premium Paid! You are covered!

Ready to get started?

getting life insurance the easy way
Sometimes the hardest part is …

getting started!

Let us be your “expert” guide! We are here to help answer all your questions and make this easy.

Get Started With A FREE Personalized Quote
Fax 800-765-9173
PO BOX 683306
Marietta, GA 30068


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