Town Central Insurance
          748 Stonecypher St. Cornelia, GA 30531            706-778-6268
Life Insurance                                                                                                   Give us a call today!      706-778-6268  

Term Life Insurance 

Whole Life Insurance

Universal Life Insurance


What You Need to Know About Life Insurance 

Having the right life insurance is pivotal in planning for the future of you and your loved ones.  Life insurance can help you fulfill promises you’ve made your family when you are gone.

Don’t leave the future of you and your loved ones to chance.  Town Central Insurance can help you find the right life insurance coverage for you, and help ensure that your policy continually meets your needs.

Make sure those you care about are taken care of.  Town Central Insurance has a variety of coverages to fit your specific needs.  We can help you decide how much and what type of coverage you need.

As an independent agency in Cornelia, Georgia, we represent various insurance carriers to find you a plan that meets your unique needs and wallet.  Our agents work closely with you to understand your specific requirements and assist you with any questions or problems that may come about.

Let Town Central Insurance help protect your family with quality life insurance.

Life Insurance Coverage Options:

Town Central Insurance can help you select the best life insurance coverage for your needs.  There are several different types of life insurance products available – the most common include:


Term Life Insurance

Term life insurance provides protection for a specified period of time.  If you do not currently have life insurance, term can be a good place to start.  It’s generally less expensive than permanent (whole) life insurance, and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 20-year (level term) period.  Furthermore, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.


Whole Life Insurance


Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.


Universal Life Insurance

Universal life is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.


So what type of life insurance is best for you?  Talk with the team at Town Central Insurance today at: 706-778-6268, and we can assist in identifying the best protection for you.


What are the advantages of life insurance?

Having the right life insurance is essential to planning for your present, and your future.  Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living. 

Advantages of the life insurance death benefit: 
When you pass away, your life insurance provides income tax-free money to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes or virtually any financial need.  Your policy can help provide security for your business security as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.
Advantages of Living Benefits:

The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn.  Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home. 

The right life insurance coverage for each and every one of our neighbors in Georgia is unique – Talk with the Town Central Insurance Team today to find out how to protect your family and your future with the right life insurance. 

Life insurance companies we represent:  


And many, many more!

Town Central Insurance: Call for a quote today at 706-778-6268.  

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Town Central Insurance:     748 Stonecypher St., Cornelia, GA 30531   (706) 778-6268