The goal behind life insurance is to replace lost income.

            Protect the one's we love.

Mortgage Life Insurance         ( Spanish at bottom of page )

How do I shop for Life Insurance?

First, understand exactly what is Term life insurance.

Next, what reasons why would you need term life insurance.

Finally, how much coverage makes

sense for your family's needs.

TERM LIFE INSURANCE

 

What is term life insurance?


It's life insurance that you pay for over a specified length of time, or term- generally one to 20 years. The amount of the death benefit or face valuecan be selected to meet your needs. Premiums, or payments - which can be the same amount or increase over time - must be made monthly, quarterly, semi-annually, or annually. If you die during the term of coverage, the face amount of your policy will be paid to your beneficiaries.

Why would I want it?

Because you want to ensure that your family will have what you're working so hard to provide - a home, a college education, the resources to live in comfort - should something happen to you. A term policy provides an excellent opportunity for you to do this - even if you're just starting out - because such policies do not accumulate cash value and usually offer lower premiums than other life insurance products with the same face value.

Give your loved ones the future you've dreamed for them.

 

When you think of your loved ones, you can't help but dream about their future. The life you want to give them, the future you're working so hard to build. You've made a promise, to yourself and to them, to always provide for them. And now all you need is a plan to make sure that your promise will be kept, while you're alive and long after you're gone.

Make life insurance part of your promise - and our plan.

Life insurance offers the confidence that you can keep your promise to your loved ones. But that kind of confidence can only be found from a stable provider with great financial strength. And that's why, when it comes to life insurance, Across Atlanta insurance provides a way to help you keep your promise and help give your loved ones the future they deserve.

Why not take a minute right now to see how Across Atlanta insuance can help you today? Whether you're just doing a little research or ready to take the next step, the tools on the right will help you get started. We look forward to hearing from you.

 

How do you determine the right amount of life insurance ?

Determine your insurance need. How much insurance do you need?

Special circumstances, such as pre-existing medical conditions or tax-efficient estate planning, can signifcantly complicate the question of how much life insurance you need. The insurance industry itself has many different formulas. Let's narrow it down to what you would need to replace your income if you, or your spouse died suddenly.

Some experts suggest buying life insurance equal to five times your yearly income. This assumes there is group life insurance from work for an amount equal to one year's salary, and that the person who will get the life insurance payment is eligible for social security survivor benefits. If both husband and wife work you should buy insurance for each of you. You need more insurance on the person with the highest income.

5x Rule

You earn

$35,000

Spouse earns

$60,000

Using this rule, buy life insurance

on your life

(5 X $35,000) $175,000

on your spouse's life

(5 X $60,000) $300,000

 

 More information can be found at this web site.

    http://www.iii.org/individuals/LifeInsurance/

Spanish version

http://www2.iii.org/individuals/lifeinsurance/enespanol/

Contact Our Across Atlanta Insurance Program 

today to set up your family's term life insurance program.

(678) 560-4663