Life Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Life Insurance Information
A life insurance policy can help you give your family financial peace of mind if you are no longer there to provide for them. At Cole Hixon Insurance, our agents have the expertise and experience to help you assess your life insurance needs and acquire optimal coverage.
Who Needs Life Insurance?
Although life insurance can be an invaluable investment for anyone, it may be particularly important if you have outstanding debts or loans that your family would have to repay after your death. In addition, this type of coverage is advisable if you have dependents or loved ones who rely on you financially. In the event of your death, a suitable life insurance policy can help replace your income and ensure that your family has the financial support it needs.
Types of Life Insurance
Many types of life insurance and policies can be customized or augmented to suit your needs and preferences. These policies can generally be categorized as one of the following:
Get the Right Coverage
- Permanent life insurance—As their name suggests, these policies, also known as whole life insurance, can provide financial assistance to an insured’s loved ones regardless of when death occurs. In addition to constant coverage, permanent life insurance may also include various additional features and incentives. For example, some policies can accrue cash value over time, which can be invested, borrowed against or used to reduce premiums.
- Term life insurance—These policies provide coverage for a specific time. If the death of an insured occurs during that period, beneficiaries will receive a payout. However, no funds will be provided if coverage has lapsed at the time of death. Due to the temporary nature of term life insurance, premiums are usually lower than those of permanent life policies. These options may be a logical choice for parents who want to ensure their children are cared for until they reach adulthood or for policyholders who expect to pay off debts (e.g., mortgage) by a specific date.
Following the death of a loved one, family members may struggle with emotional hurdles. Without adequate life insurance, your beneficiaries may be saddled with paying out of pocket for high costs, such as medical bills and funeral expenses. Although the grieving process is never easy, an optimal life insurance policy can limit any financial stress your family may have to endure.
We’re here to help. At Cole Hixon Insurance, an integral part of our mission is helping individuals, families and businesses in Athens and Watkinsville acquire ideal insurance solutions. We will work with you to analyze your circumstances and determine your life insurance needs. Contact us today to get started.