RICHARD ROSE AGENCY
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Life Insurance 
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CALL US TODAY AT
​770-664-0602

Life insurance is coverage that most should seriously consider as an important part of financial planning and family responsibility. It can help you and/or loved ones through the most devastating of events and challenging of times.

What it does
Life insurance is primarily engineered to provide financial help to survivors in the event of a policyholder’s death. The payout can be used for such things as funeral costs, left-over debt and, for policyholders who are still living, for proper estate planning and even, in some forms, for financial help and flexibility.

How it works
The policyholder generally pays a monthly premium and, in return, the insurance provider pays out a specified amount when the policy is triggered. The person to whom the money is awarded is known as “the beneficiary.” This individual can choose how the money is put to use. The benefits may also be designated towards a trust, which can then be paid out according to the agreed upon terms of the trust. The responsibilities of the insurance company are put forth in detail in the original contract.

Types of coverage
There are a few different types of policies available. Whole life is a popular type of comprehensive life insurance. Policyholders pay their premiums, which are determined from a battery of health questions and the amount of coverage desired. Assuming the policyholder pays his or her premiums on time, the policy remains intact and coverage is in effect. Another popular option is term insurance. Term, on the other hand, provides like coverage but for only a set period of time. For example, should you have a 15-year term insurance policy, you will be covered for 15 years. However, after that period is over, you must buy new coverage. Another option is Universal life which offers similar coverage as whole life. The one difference is that there is an option of investing some of the premium. This potentially can increase the benefit amount more quickly should the investment strategy work out well.
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LIFETREK - which life insurance policy best meets your needs? Answer a few questions about your life and goals and we will suggest some plans that might work for you.  Read more> 

How much does it cost?
Did you know that for a 20 year Trufit Plan, a 30 year male old can buy $250,000 of coverage as low a $25/month at a preferred rating or $32/month for a standard rating?  For a 40 year old male, the rates are $35/month at a preferred rating and $48/month for standard rating.  


Trufit is a great starter term policy that can be converted to whole life and offers a 80% cash availability for terminal illness.  Finally, the coverage can be layered to cover future expenses like the mortgage and college expenses for the children.

Call us today to ask about this coverage that can grow with your family and lifestyle!​
  • Home
  • Personal
    • Quotes
    • Auto >
      • Ride to Hire
    • Boat Insurance
    • Condominium
    • Homeowners >
      • Home Sharing
    • Identity Restoration
    • Landlord
    • Motorcycle
    • Pet Insurance
    • Rec Vehicles
    • Renters Insurance
    • Special Event
    • Umbrella Policy
    • Flood Insurance
    • Earthquake
  • Life
  • Commercial
    • Quotes
    • Business Owners Policy
    • General Liability
    • Commercial Auto
    • Life
    • Voluntary Benefits >
      • Accident Insurance
      • Critical Illness
      • Long Term Care
      • Disability
      • Supplemental Health
      • Universal Life
  • Rewards
  • Media
    • Blog
  • Meet the Team
  • Testimonials
  • Contact
    • Quotes
    • Newsletter Sign Up
    • CE Course Sign Up