WELCOME TO INSURED LIFE OF GEORGIA

Our free service connects individuals like you with Top Rated Insurance companies who provide a variety of products like Annuities, Long-Term Care insurance, Medicare Supplements, Life Insurance and other specialized products.

Although we represent a group of top-rated insurance companies, the insurance companies do not employ us – we work for you. This allows us to locate the best rates and then to place your policies with the insurance company offering you the best coverage.

How it works.

• We help you quote and purchase a variety of insurance products from the comfort of your home.
• Complete a simple, secure online request . Our software system shops over 100 providers on your behalf.
• Simply Compare Insurance Rates with Top Carriers and Save.

We hope you find this website useful, and we look forward to working with you.

WITH SOMETHING FOR EVERYONE

We Are Georgia’s Premier Life Insurance Company
As an independent company, Insured life of Georgia can afford to be extremely selective.  We work with only the best of the best based on four criteria: pricing, financial stability, specialization…

and a excellent record of paying valid claims. Only companies that excel in all four areas make our list. We monitor the companies on our list to ensure the quality and value of the coverage we offer. All of the companies we represent are rated A- (excellent) to A+ (superior) by A. M. Best. Availability of companies and products varies by state.

Companies We Represent:

• AARP Medicare Supplemental
• Aetna Life Insurance
• Allianz
• American Equity
• American General
• American National
• Americo
• Assurity Life
• AVIVA Annuity Companies
• AVIVA Life & Annuity (formerly Indianapolis Life)
• AXA Equitable
• Bankers Fidelity Life Insurance
• Blue Cross and Blue Shield
• Banner Life
• Chesapeake
• Columbian Financial
• Equitrust Life Insurance Company
• Fidelity Life
• ForeThought Annuity
• Forethought Life/ForeLife Final Expense
• Fort Dearborn
• Genworth Financial companies
• Gleaner Life
• GTL
• Humana Insurance Company
• ING
• Integrity/National Integrity
• John Hancock
• Liberty Bankers Life
• Life Insurance Co. of Southwest
• Lincoln Benefit Life
• Lincoln Financial
• Mass Mutual
• Met Life
• Minnesota Life
• Mutual/United of Omaha
• National Western
• Nationwide
• North American
• Old Mutual (Fidelity & Guaranty)
• One America/Pioneer Mutual & State Life
• Penn Treaty
• Phoenix Life
• Physician’s Life Insurance Company
• Presidential
• Principal Financial Group (DI)
• Protective Life
• Prudential
• RBC Liberty Life/Annuity
• Royal Neighbors
• Sagicor Life
• Savings Bank Life Insurance
• Securitas Financial
• Standard Life of Indiana
• Sun Life Financial
• Transamerica Direct
• Transamerica Family Markets (formerly Life Investors)
• United Healthcare (AARP)
• UNIFI Union Central
• United Home Life
• West Coast Life
• Western Reserve Life (One Resource Group)
• William Penn (NY arm of Banner Life)
  AND MORE…

LIFE INSURANCE

Gives your family financial protection.
Life insurance is far more than just a decision of how much to buy. Depending on your financial situation, life insurance can be used for a variety of purposes, such as…

• Providing for your spouse and children after your death.
• Paying off your mortgage and other debts
• Transferring wealth
• Accumulating cash for retirement
• Create an inheritance Tax Free

BEWARE: Not all life insurance are created equally.

Term Life Insurance: Term insurance provides affordable protection for a specific period of time.  Term is preferred among younger to middle age individuals.

Whole Life Insurance:  Whole Life Insurance is permanent life insurance.  These type policies are preferred among retirees and those who want a set premium and coverage that’s last forever.

Universal Life Insurance: Great for retirement.  It allows policy holder to save money now tax free to produce a steady cash flow later in retirement tax free.

Single Pay Life Policy: This policy is designed for those who have set aside money to pass on to their families.   A single premium payment locks in a tax-free death benefit which immediately increase your cash value by 45% to 70%.

In conclusion, the right policy can be use for a variety of purposes such as CREATE A RETIREMENT FUND, COLLEGE FUND, OR CHARITABLE GIFT OR EVEN COLLATERAL FOR A LOAN.

Whether you are shopping or need a better understanding of the policy you own; use our quick online forms to either request rates or phone consultation.  The entire process is simple and can be completed in under an hour, without an in-home visit.

FINAL EXPENSE

Lifts the burden of funeral cost from your love ones.
When a family member passes the last thing most people think about is the cost. But when the funeral bills begin to arrive, the family quickly realizes that their loved one’s passing has become an unexpected expense.

So ask yourself this:
Does it make sense to leave the responsibility of paying for all of your end-of-life expenses to your family? Or does it make more sense to pay for it with a affordable Final Expense Life policies.

Requirements:

• No Medical Exams.
• No Prescription Check.
• Issue up to age 89.
• No height/weight charts.
• Competitive rates.

For the best rates call us or complete our form online. Let us shop all the major providers at no expense to you. Best of all, the entire process can be completed in under an hour, without an in-home visit.

MORTGAGE PROTECTION

Pays your family’s mortgage debt.
The problem is if you are critically injured and cannot work for months/ years or in the event of your death how will your family keep the home without your income?

So what’s the solution?

• A check delivered to you every month to make your house payments while you are unable to work and earn an income.
• Or a lump sum check delivered within 30 days of your death to pay off the mortgage, leaving your family with a debt-free home.

In closing,
Mortgage payment insurance is very affordable and the benefits are tax-free. You can now get insurance coverage that will refund all of your money if you do not die or do not become disabled. So why take the chance?

Get the coverage now and if you don’t use it your premium payments will be returned, risk free.

For the best rates call us or complete our form online. Let us shop all the major providers at no expense to you. Best of all, the entire process can be completed in under an hour, without an in-home visit.

CANCER INSURANCE

Financial support for those battling the disease.
Cancer can strike anyone at any time regardless of lifestyle, yet too many people lack the supplemental health insurance protection they need.  During the initial diagnosis of cancer, your medical expenses should…

be the least of your concerns; however, that is never the case.

This is where Cancer Insurance comes in:
Following a diagnosis of cancer, the policy will pay you a lump-sum benefit that can be used for whatever you need. This benefit will be paid in addition to any other insurance you may have, allowing you to maximize your coverage.

Details of Coverage:

• Lump-sum benefit ranging from $5,000 to $50,000.
• Benefits are paid directly to YOU!
• Benefits are paid in addition to other healthcare coverage.
• Spouse coverage available at a discounted rate.
• Issue ages 18-84.

Further, your entire family can be covered by cancer insurance. Our completely FREE service will find the most affordable policy according to your budget. And best of all, the entire process can be completed in under an hour, without an in-home visit.

SENIOR DENTAL COVERAGE

Provides savings on dental care.
Insured Life of Georgia understands that your teeth, eyesight and hearing are a part of your quality of life.  Unexpected problems can be painful, inconvenient and expensive.  The right Dental, Vision and…
Hearing insurance product can protect these assets by helping you pay toward their coverage.

Covered Expenses:

1. Dental services, performed by a licensed Dentist or licensed Denturist, including semi-annual examinations and cleanings, x- rays, the cost of fillings, prophylaxis, bridges, crowns, dentures and outpatient dental surgery prescribed as Medically Necessary.
2. Visits to a Physician for basic eye examination or eye refraction, including the cost of the eyeglasses or contact lenses prescribed by a Physician, up to a maximum benefit of $150 in any one Policy Year.
3. Hearing examinations performed by a Physician or Audiologist, the purchase of hearing aids prescribed as Medically Necessary by a Physician or Audiologist, including the cost of the hearing aid and any necessary repairs.

Who is eligible? Guaranteed acceptance for anyone age 18-84!

Please note: This is real insurance not a discount program.

Our completely FREE service will find the most affordable policy according to your budget. And best of all, the entire process can be completed in under an hour, without an in-home visit.

MEDICARE SUPPLEMENT

Covers health cost not covered by Medicare.
Medicare pays for 80%.  While you’re responsible for 20%. Fill 100% of the gaps in Medicare Insurance Coverage for less when you compare Medicare Supplement (Medigap) Plans and Rates from top rated supplemental…

insurance companies.

By choosing the right Medicare Supplemental (Medigap) Plan there will be:

• No Deductibles
• No Co-Pays
• No Referrals Necessary
• No Complicated Claims Paperwork
• No Remaining Bills to Pay
• Go to any hospital
• See any Doctor
• Get all the Treatment that YOUR DOCTOR (not some insurance company) deems necessary and be covered.
• A supplement pays all of your deductibles
• You pay 0 cost for hospitalization…regardless of work
• SOME PROGRAMS WILL NOT DENY REGARDLESS OF PRE-EXISTING CONDITION

Don’t pay too much for a Medicare Supplement Insurance Plan. Regardless how much the plan cost the coverage is identically the same.

Lets us find the most competitive Medicare supplement rate for you. Our system shops over 100 insurance provider. The entire process is simple and can be completed in under an hour, without an in-home visit.

LONG TERM CARE

Protects your savings while receiving care at home or a nursing facility.
According to the National Council on Aging, at some time in our lives, often
following an accident, surgery, cancer, stroke or heart attack, 70% of us—that’s 7 out of 10 Americans…

— will eventually require some form of daily nursing or custodial care.

Ask yourself :

• Do you want to become a burden to your family?
• Do you want to risk your savings, your income or even your home to pay for nursing or custodial care?
• Can your family or friends provide you with around the clock care if needed?

Here’s the problem:
The average cost for resident nursing care is more than $6,000 a month, and the cost for in-home nursing care is at least $3,000 a month. The average stay for long-term care nursing home residents is 2.43 years. Source: CDC, National Nursing Homes Survey

What’s the solution?
Long-term care insurance.

This help may be required for many of the activities or needs that healthy, active people take for granted and may include such things as:

What’s The Benefits?

Long-term care services may be provided in any of the following settings:

• In the home of the recipient.
• In the home of a family member or friend of the recipient.
• At an adult day services location.
• In an assisted living facility or board-and-care home.
• In a hospice facility.
• In a nursing home.

Transfer the risk away from yourself and family and pass high cost to an A+ rated long term care insurance company.

For the best LTC rates use our quick online form to compare offers or schedule a phone consultation with our advisors. The entire process can be completed in under an hour, without an in-home visit.

ANNUITIES

Guarantees you a retirement income for life.
How do we grow and protect our savings without the risk of losing our money?  The reality is that 10 years of equity market gains can be wiped out in a few weeks of equity market losses.

And it’s not just the money we lose but the time we lose as well.  For example, if we were to lose 30% of our savings in one year, we would need to earn almost 10% over the next 4 years minus any fees, commissions, taxes or expenses just to recover our losses.  This means we lose 5 years of compounded growth on our money, which could cost us hundreds or thousands of dollars in monthly income.

Ask yourself . . .

• Does it make sense to protect your money with low, taxable interest rates that barely keep pace with inflation like CD’s , Money Market Account or Traditional Savings Account?
• Does it make sense to ENTIRELY lose your retirement savings to capture all the gains from a risky stock market?
• Does it make sense to pay taxes on your earnings every year if those earnings can be lost after you pay the taxes?
• How do we grow and protect our savings without the risk of losing our money?

So what’s the solution?
A fixed indexed annuity!

Here’s how it works.
A fixed indexed annuity (FIA), uses the index to determine the interest it credits to your savings, and when the index increases or gains value, a percentage of those gains is credited to your savings. However, when the index decreases or looses value, no interest is credited and those losses are never deducted from your account.

By repositioning your savings into a Fixed Index Annuity you can immediately:

	Stop Losing Money
	Never Outlive Your Savings
	Increase Monthly Income
	Reduce Taxes
	Eliminate Fees
	Participate In Market Gains Without Market Losses

You owe it to yourself to learn why millions of people are moving billions of dollars into fixed indexed annuities. They are a RISK FREE alternative in a volatile market.

For the best Annuity rates use our quick online form to compare offers or schedule a phone consultation with our advisors. The entire process can be completed in under an hour, without an in-home visit.