Term life insurance in Alpharetta.
The most protection for the lowest cost. Term life covers you for a set number of years, the years your family relies on your income most.
The simplest, most affordable coverage.
Term life insurance pays a tax-free death benefit to your beneficiaries if you pass away during the term you choose. In most cases, life insurance death benefits are not subject to federal income tax.
Because it has no cash value, term is usually the least expensive way to get a large amount of coverage. That makes it a common choice for parents, homeowners and anyone with debts or income to replace.
How it works
- Choose a term length: commonly 10, 15, 20 or 30 years
- Choose a coverage amount based on income, debts and goals
- Premiums stay level for the full term on most policies
- Many policies can be converted to permanent coverage without a new medical exam
- Optional riders may add living benefits, child coverage or waiver of premium
Is this right for you?
Young parents
Replace your income until your kids are grown and through school.
New homeowners
Match the term to your mortgage so the house stays in the family.
Budget-focused buyers
Get the most coverage per dollar while you build savings.
Term Life Insurance FAQ.
Serving Alpharetta and North Atlanta from 126 N Main St, Suite B200.
How much does term life insurance cost?
Price depends on your age, health, tobacco use, term length and coverage amount. A healthy 35-year-old can often get substantial coverage for less than many monthly phone bills. We compare carriers to find your best rate.
What happens when my term ends?
Coverage ends unless you renew (usually at much higher rates) or convert to a permanent policy if your policy allows it. We plan your term length so coverage lasts as long as you need it.
Can I get term life without a medical exam?
Often, yes. Many carriers offer accelerated underwriting with no exam for qualifying applicants, depending on age, health and coverage amount.
Should I get term life through work instead?
Employer coverage is a good start, but it is often only 1–2 times salary and usually ends if you leave the job. Most families need a personal policy they own.
Other ways to protect your family.
Whole Life Insurance
Permanent coverage with level premiums and guaranteed cash value.
Learn more →Growth PotentialIndexed Universal Life (IUL)
Permanent protection with cash value linked to a market index and a 0% floor.
Learn more →Peace of MindFinal Expense Insurance
Smaller whole life policies that cover funeral costs and final bills.
Learn more →Protect the HomeMortgage Protection
Coverage designed to pay off your home if something happens to you.
Learn more →Use It While LivingLiving Benefits
Policies that can pay out early for a qualifying critical, chronic or terminal illness.
Learn more →For OwnersBusiness Owner Insurance
Key person coverage, buy-sell funding and protection for what you’ve built.
Learn more →Let’s build something that outlasts us.
Protect your family or start your career. Either way, it begins with one conversation.
470 · 777 · 7460