Life Insurance in Georgia, Alabama & Tennessee — For the People and Businesses That Can't Afford to Leave It to Chance
Most people know they need life insurance. Far fewer people actually have the right kind — or any at all. It's one of those things that's easy to put off until it isn't, and by then, the people who needed you to act are the ones paying the price.
​
At INS., we believe that taking care of the people entrusted to you is one of the most practical acts of love and leadership you can perform. Life insurance is a big part of that — whether you're a parent trying to protect your family's future, a business owner safeguarding your company, or a partner with an obligation to the people who built something alongside you.
​
We offer life insurance to individuals, families, and businesses across Georgia, Alabama, and Tennessee from our Alpharetta office. We'll help you figure out what you actually need — and what you don't — so you walk away with coverage that fits, not coverage that was just easy to sell.
Personal Life Insurance — Protecting Your Family's Future
Term Life Insurance
Term life is the most straightforward type of life insurance — and for most families in their 30s and 40s, it's the smartest starting point. You choose a coverage amount and a time period (typically 10, 20, or 30 years), pay a fixed premium, and your family receives the death benefit if you pass away during that term.
It's affordable, simple, and purpose-built for the season of life where the stakes are highest: young kids, a mortgage, a spouse depending on your income. If your primary goal is income replacement and financial protection for your family, term life is almost always the right conversation to start with.
Whole Life Insurance
Whole life insurance provides permanent coverage that doesn't expire — as long as you pay your premiums, your beneficiaries will receive the death benefit. It also builds cash value over time that you can borrow against during your lifetime.
Whole life makes the most sense for people thinking beyond income replacement — legacy planning, estate needs, or those who want a guaranteed financial asset that grows tax-deferred over their lifetime. It costs more than term, and it should. You're getting more.
Indexed Universal Life Insurance (IUL)
IUL is a permanent life insurance policy with a cash value component tied to the performance of a market index — typically the S&P 500. You get the upside potential of market growth with a floor that protects you from losses when markets go down.
For people who want permanent coverage, flexibility in their premiums, and a vehicle for tax-advantaged accumulation, IUL can be a powerful tool. It's not for everyone, but for the right client, it does a lot of heavy lifting.
Business Life Insurance — Because Your Business Has People Who Depend on It Too
Life insurance isn't just personal. For business owners, it's often one of the most important financial tools in your entire operation — and one of the most overlooked.
Key Person Insurance
What happens to your business if your most important person doesn't show up tomorrow? Key person insurance is a life insurance policy owned by the business on a critical employee or owner. If that person passes away, the death benefit goes to the company — giving you time and capital to recover, recruit, and keep the doors open.
If your business has someone it genuinely cannot function without, that person is a key person and this coverage deserves a serious conversation.
Buy-Sell Agreement Funding
If you have a business partner, you need a buy-sell agreement — and that agreement needs to be funded. A buy-sell policy ensures that if one partner passes away, the surviving partner has the money to purchase the deceased partner's share of the business from their estate at an agreed-upon price.
Without it, you could find yourself in business with your partner's spouse, kids, or heirs. With it, ownership transfers cleanly, the family gets fair value, and the business survives intact. It's one of the most important documents a partnership can have, and life insurance is what makes it work.
SBA Loan Coverage
Many SBA lenders require life insurance as a condition of the loan — specifically, a policy that names the lender as beneficiary for the amount of the outstanding debt. This ensures the loan is paid off if the borrower passes away before the business has fully repaid it.
If you're in the process of securing an SBA loan, or already have one, we can help you get the right coverage in place to satisfy your lender's requirements and protect your business in the process.
How to Get Started
Life insurance underwriting is based on age, health, and the type and amount of coverage you need — which means the best time to apply is right now, not someday. The younger and healthier you are when you apply, the lower your rate will be for the life of the policy.
We'll ask you a few questions, walk you through your options, and give you a straight answer about what makes sense for your situation. No pressure, no scripts, no upsell just for the sake of it.
Click "Get a quote" below and we'll be in touch within one business day.
Frequently Asked Questions
How much life insurance do I actually need? A common rule of thumb is 10–12 times your annual income, but the real answer depends on your situation — your debts, your dependents, your income, your existing assets, and your goals. We'll help you work through the numbers so you're not over-insured or dangerously under-insured.
What's the difference between term and whole life? Term covers you for a set period and pays out only if you die during that term. Whole life covers you permanently and builds cash value. Term is cheaper and ideal for income replacement. Whole life costs more and does more. The right answer depends on what you're trying to accomplish.
Can a business buy life insurance on an employee? Yes — with the employee's knowledge and consent. Business-owned life insurance (BOLI) is a legitimate and widely used financial tool. Key person coverage, buy-sell funding, and executive benefit plans are all built on this foundation.
Do I need life insurance if I'm young and healthy? Young and healthy is exactly when you want to buy it — because that's when it's cheapest and easiest to qualify for. If you wait until you need it, it costs more. If you wait too long, you may not be able to get it at all.
What's an IUL and is it right for me? An Indexed Universal Life policy is permanent life insurance with a cash value component that grows based on a stock market index. It's not a direct investment — you don't own the stocks — but you participate in the upside while being protected from market losses. It works well as a tax-advantaged savings vehicle for people who've maxed out other options, but it's not the right fit for everyone. We'll tell you honestly if it fits your situation.
What if I need life insurance as part of an SBA loan requirement? We handle this regularly. Let us know the loan amount and your lender's requirements and we'll get the right policy structure in place to satisfy the lender and protect your business at the same time.
​
INS. serves individuals, families, and businesses across Georgia, Alabama, and Tennessee. Our office is in Alpharetta, GA — call us at 678-578-7009 or email service@ins.insure.