Life Insurance


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What Is Life Insurance?

There is one thing in life wherein no one ever knows what will happen next. The unpredictable nature of life itself demonstrates the need for people to prepare as much as possible for any circumstance. When it comes to protecting yourself and the ones you love, insurance – especially life insurance – is the best form of preparation for life’s unexpected occurrences.

Life insurance is the type of insurance policy that is not all about protecting you. Rather, the primary focus of life insurance is financially protecting your beneficiaries if you die. Several different kinds of life insurance (which an experienced insurance agent such as ours at The Tabb Insurance Agency in Conyers, GA, can discuss with you in detail), but the most common


Term Life Insurance

Term life insurance provides protection and flexible premiums only for a specific period (can be 10-, 20-, or even 30-year periods) in which you feel your insurance needs are greater. If you die during the term life period, your beneficiaries will be awarded a benefit. People actually choose for term life insurance until they achieve their goal where they consider it “safe” to withdraw. One example is when their home is paid off, or their children graduate from college.

Permanent Life Insurance

Depending on your insurance needs, you may opt for permanent life insurance because it provides lifelong protection to beneficiaries and is priced for you to keep over a long period of time. There is no fixed point at which the insurance policy expires. This kind of insurance acquires cash value, and the premiums are usually fixed.


Unlike other forms of insurance such as car, health, or business insurance, permanent or term life insurance may not be right for everyone or every situation. If there are no clear beneficiaries, you may not feel the need to invest in this type of insurance. Perhaps your current situation in life does not meet a need for life insurance.

If you are unsure whether or not permanent or term life insurance may be appropriate for you, it is important to talk to a professional insurance agent in Conyers, GA. Life insurance is necessary to most of us for a variety of reasons. On the other hand, some people choose not to get it at all.

Getting this type of insurance usually depends on your financial goals and family situation, your policies and premiums will differ as well. The specifics of your policy will be as unique as you and your family, so it is important to discuss your options with an experienced insurance agent in Conyers, GA, to ensure your policy includes everything you need. If you are worried about having a huge debt or obligation, or taking a safety net away from your beneficiaries, you may want to consider buying it.

At The Tabb Insurance Agency in Conyers, GA, we are happy to answer any questions and address any concerns you may have about the particulars of your term life insurance policy. The goal of our Conyers insurance company is to make sure you have the insurance you and your family need if something unexpected happens.


The two primary types of life insurance – term life and permanent – work slightly differently, so it is important to know which one you prefer to understand how it works.

When it comes to insurance, life (specifically the continuation of your life) is not the key aspect. It focuses on what happens when you die. For term life insurance, your beneficiaries get paid out a specific amount if you pass away during the indicated time period. If you do not die, no money is paid out.

It is a great option if you want to make sure a child can go to college or that your spouse is not beset by a mortgage he or she cannot pay after your death. It is important to note that decreasing term life policies include a death benefit that declines over time. Term life may be converted to permanent if you find that you can pay the higher premiums.

Assuming that you make your payments regularly throughout your life, permanent life insurance covers you until you die. These policies build cash value as you age, adding significantly at the beginning (when you are younger) and slowly over time. The cash value can be borrowed while you are alive, but you should be sure that you know how much remains in the account and how the money affects your taxes.

Both permanent and term life insurance policies can be complicated and confusing unless you are very familiar with the ins and outs of it. At The Tabb Insurance Agency in Conyers, GA, our agents are happy to discuss the advantages and disadvantages of both types and help you make the right decision for you and your family.

Get Covered

Purchasing life insurance coverage from our Conyers, GA, insurance company gives you a variety of options, including the following:

  • Income replacement during working years
  • Wealth transfer
  • Preservation
  • Tax-deferred Wealth Accumulation
  • Income protection

Suppose you are considering investing in a personal life insurance policy for yourself so that your family has coverage no matter what happens in the future. In that case, you need to talk to a professional insurance company in Conyers, GA, as soon as possible. At The Tabb Insurance Agency, we care about you and your family, and we want to make sure you have the policy that best suits you. Call us today to insure your future.

In addition to its coverage in Conyers, GA, The Tabb Insurance Agency, also offers personal insurance coverage for home and property, automobiles, and recreational vehicles. For those who own and operate businesses in Conyers, we are proud to provide various business insurance options.

Our Conyers insurance company knows that you have many things in your life that need to be protected, and we strive to bring residents and business owners the financial protection services they need through insurance – life, auto insurance, home insurance, and business insurance. Contact us today to determine what kind of coverage you can get with our insurance agency in order to protect you, your family or your loved ones in Georgia. Call us for a quote!

Talk To An Agent

If some emergency needs our attention quickly, call our professionals at The Tabb Insurance agency in Conyers, GA, for immediate assistance. You may reach out to us today at 770-483-1800