Life Insurance

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Peace of Mind

PEACE OF MIND, IN IT'S PUREST FORM
That's Life Insurance with Us

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Chris Beeler is the Principal at Beeler Insurance

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With 20 years experience, he looks forward to serving you

Family Term Life
Insurance Cedartown, GA

Term Life Insurance is just right for:

  • Young families with limited budgets

    • $25 to $50/month is a typical budget for a young family's term life plan

  • Married home buyers with a 15, 20, or 30 year mortgage

    • You'll want the peace of mind to know that your surviving spouse has the home free and clear if you die during the policy term

  • Middle age families with a heavy debt load

    • 2nd mortgages, business loans, credit card debt, consumer loans

Term Life Insurance is not generally right for:

  • Any person who is looking for coverage for their entire lifetime

  • Persons age 50 and up

If you buy term life at age 50 or up, you take a serious risk that:

  • Your life insurance term could expire before your death and the renewal premium may increase substantially; many times premiums double

  • Your life insurance term could expire before your death, with no renewal offer, and leave your family with no life insurance benefit at your passing

These policyholders are not happy; Let's avoid this

Do you live in Georgia but don't see your city or town as an area we serve?

  • Go ahead and call the Agency or submit an online quote request

  • We'll then let you know if we can assist you

Click here to start your term life  insurance quote now

*All coverages are subject to underwriting rules, acceptability, policy limits, terms, exclusions, and conditions.  If you still have questions about Life Insurance give us a call or if you are ready to get a family term life insurance quote click here

Contact Us

Tel:   770-748-0111

Fax:  678-861-8132

 

11 Beeler Rd

Cedartown, GA 30125

Business Hours

Monday - 8am to 7pm

Tuesday - 8am to 7pm

Wednesday - 8am to 7pm

Thursday - 8am to 7pm

Friday - 8am to 7pm

Saturday - 9am to 5pm

Sunday - Closed

 

Please call ahead before visiting

the office

Holiday Hours Vary

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Whole Life
Insurance Cedartown, GA

Traditional Whole Life Insurance

By far Traditional Whole Life is the most popular of the two Whole Life plans.

Traditional Whole Life is popular with customers wanting fixed premiums, fixed benefits, and policy guarantees

Pros

  • Monthly premiums that do not increase over the life of the policy

  • Guaranteed death benefits that do no decrease as long as premiums are paid

  • After a certain period, you may elect a "Reduced Death Benefit" in exchange for a "Paid Up" policy and stop paying premiums

Cons

  • You pay monthly premiums until your death*

  • Death benefit can not be decreased*

  • Because it's lifetime coverage it's more expensive than term insurance

*Unless you enact the "Reduced Paid Up Policy" provision

Universal Life Insurance

Universal Life is more popular with middle age customers who can afford to pay more in premium during their earning years but want to pay less or nothing during their retirement years

Pros

  • Monthly premiums can be overpaid to build a future benefit within the policy

  • Death benefit starts out higher but can be decreased by customer when their need for insurance decreases at retirement

Cons

  • Not a good option for customers who are not disciplined in their finances

  • Policy has an internal account where value from over payments & interest earned accumulates

    • Cost of insurance is deducted from the account value within the policy

    • Policy account value is subject to interest rates

  • Some policyholders withdraw from the internal account without considering how it may affect their death benefit as they reach old age

Do you live in Georgia but don't see your city or town as an area we serve?

  • Go ahead and call the Agency or submit an online quote request

  • We'll then let you know if we can assist you

Click here to start your whole life insurance quote now

*All coverages are subject to underwriting rules, acceptability, policy limits, terms, exclusions, and conditions.  If you still have questions about Life Insurance give us a call or if you are ready to get a whole life insurance quote click here

 
Final Expense Life and Burial
Insurance Cedartown, GA

Final Expense Life Insurance

A traditional whole life policy where applicant elects an amount of coverage that is enough to pay the cost of a funeral service AND leave beneficiaries an additional death benefit

  • Death benefit is generally $25k or above

  • Death benefit can be split between multiple beneficiaries (children, grandchildren, .etc)

  • Premiums never increase

  • Death beneift is never decreased

  • If you are willing to pay a little more each month, you can elect a 20 year "Paid Up" policy

    • Premium payments stop after 20 years and company issues a "Paid Up" certificate payable for the full death benefit amount

Burial Insurance

A traditional whole life policy where applicant elects a death benefit that is intended to be enough to pay the cost of a funeral service and burial

  • Death benefit can be assigned to any funeral home

  • Death benefit is generaly $8k -$15k

  • Premiums never increase

  • Death benefit is never decreased

  • If you are willing to pay a little more each month, you can elect a 20 year "Paid Up" policy

    • Premium payments stop after 20 years and company issues a "Paid Up" certificate payable for the full death benefit amount

Do you live in Georgia but don't see your city or town as an area we serve?

  • Go ahead and call the Agency or submit an online quote request

  • We'll then let you know if we can assist you

Click here to start your final expense or burial policy quote now

*All coverages are subject to underwriting rules, acceptability, policy limits, terms, exclusions, and conditions.  If you still have questions about Life Insurance give us a call or if you are ready to get a final expense or burial policy insurance quote click here

 
 
 

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This site design came out of the left hemisphere of Chris Beeler's brain.  And, let me tell you, it's scary in there