Low Cost Term Insurance - 10, 20 or 30 Year Term Insurance Protection.

Term life insurance provides life insurance coverage for a specific time period (the term). It is often referred to as pure insurance. The face amount of the policy is paid if you die during the term of the policy. When you live longer than the term of the insurance coverage, nothing is paid, as there is no cash surrender value.  Complete the quote request to find out what Insurance company will be the best fit for your insurance needs.

Family Protection

Life insurance has come a long way since the days when it was known as burial insurance and used mainly to pay for funeral expenses. Today, life insurance is a crucial part of many estate plans.  Learn More…

Mortgage Protection

Homeowners insurance policies are written individually, typically at the time you purchase a home.  Mortgage protection insurance will cover your mortgage in the event of your death.  Find out more about how you can protect your largest investment.  Learn More…

Business Insurance

If you’re a small business owner, you face many challenges in growing your company. Key employee life and disability insurance coverage can help make sure your business prospers.  Learn More…

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Term Life Insurance Solutions Life insurance needs will depend on a number of factors from general financial protection to specific business applications and estate planning. To learn more about term insurance solutions, select a category below for more information.

Mortgage Protection

Mortgage or long-term debt: For most people, the home is one of the most valuable assets and also the source of the largest debt.  More…

Family Protection

Life insurance provides the confidence knowing you are protecting your family in the event of your death by providing financial resources and security. More…

Business Insurance

Key employee life and disability insurance policies can help manage the risks of business financial loss and provide for continuity planning.   More…

Estate Planning and Trusts

Life insurance is a crucial part of estate planning. Life insurance can also be used to replace wealth lost due to the expenses and taxes that may follow your death.  More…

Kids and College

Purchasing life insurance on the parents is important to provide for income for future financial expenses like college or trade schools.  Insurance ok kids is also very important.  More…

Medical Expenses

Life insurance is not only about protecting your survivors in the event of your death.  Illness and the need for policy riders is a key planning practice.  More…
Life insurance has several purposes. Its most important function is to replace the earnings that would cease at the death of the insured.

If you die during your earning years, your family could suffer a severe economic loss as a result of losing your current and future income. Unfortunately, your family would still have to pay its regular bills, the mortgage, and outstanding debts, and perhaps even continue saving for college and retirement. Unless you’re independently wealthy, achieving these goals may be virtually impossible for your family with the loss of your steady income. Life insurance offers a way for your family to continue living comfortably and without worry.

Your life insurance needs will depend on a number of factors, including the size of your family, the nature of your financial obligations, your career stage, and your goals. For example, when you’re young, you may not have a great need for life insurance. However, as you take on more responsibilities and your family grows, your need for life insurance increases.

Here are some questions that can help you start thinking about the amount of life insurance you need:

  • What immediate financial expenses (e.g., debt repayment, funeral expenses) would your family face upon your death?
  • How much of your salary is devoted to current expenses and future needs?
  • How long would your dependents need support if you were to die tomorrow?
  • How much money would you want to leave for special situations upon your death, such as funding your children’s education, gifts to charities, or an inheritance for your children?
  • What other assets or insurance policies do you have?

The two basic types of life insurance are term life and permanent (cash value) life. Term policies provide life insurance protection for a specific period of time. If you die during the coverage period, your beneficiary receives the policy’s death benefit. If you live to the end of the term, the policy simply terminates, unless it automatically renews for a new period. Term policies are typically available for periods of 1 to 30 years and may, in some cases, be renewed until you reach age 95. With guaranteed level term insurance, a popular type, both the premium and the amount of coverage remain level for a specific period of time.

Click here to learn more a about cash value or permanent insurance.

When you purchase life insurance, you must name a primary beneficiary to receive the proceeds of your insurance policy. Your beneficiary may be a person, corporation, or other legal entity. You may name multiple beneficiaries and specify what percentage of the net death benefit each is to receive. If you name your minor child as a beneficiary, you should also designate an adult as the child’s guardian in your will.
Once you purchase a life insurance policy, make sure to periodically review your coverage; over time your needs will change. An insurance agent or financial professional can help you with your review.
Life Insurance: Needs Analysis and Amounts The Stages of Life and Circumstances

When determining your life insurance need, you should first consider your life stage and circumstances. Marital status, number of dependents, size and nature of financial obligations, your career stage, and your intentions to pass on your property are all factors to consider. Your need for life insurance changes as the circumstances of your life change.

  • Starting Out Stage of Life.
  • Single Adult Stage of Life
  • Young Family – New Parents
  • Family Obligations – Children, Single Parent
  • Debt obligations
  • Protect Your Insurability
  • Dual-Income Couple or Family
  • Parent of Grown Children
  • Part of Overall Financial Planning

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Applying for life insurance can be an easy process and with our experience and hands-on approach we will work with you to get the best outcome available.  It is your health and age that qualifies you for life insurance and many companies have different underwriting processes.  Let us help you navigate the journey and place you with the best insurance carrier for you!

Fisher Smith Managing Partner

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ProSouth Insurance Services Team Service And Support Is Our Passion!

ProSouth Insurance and our team of professionals are trained to assist you in selecting the right products to meet your insurance and protection requirements.  We provide a competitive advantage by sourcing companies and products that are highly rated and well established along with excellent customer service.  By helping you steer through the maze of insurance decisions our skill in navigating the choices will allow you to achieve the goals and objectives you desire.

“We Compete So You Don’t Have To!”

With over 20 years experience in life insurance sales and marketing, including recruiting and supporting financial organizations and advisors, we have helped our customers achieve success in their insurance strategies.  Additionally, we have leveraged technology and distribution channels along with partnerships to bring best of class services to our clients.

We appreciate the opportunity to work for you and compete so you don’t have to.

Should you buy life insurance? You should probably consider buying life insurance if any one of the following is true:

At some point in your life, you’ll probably be faced with the question of whether you need life insurance. Life insurance is a way to protect your loved ones financially after you die and your income stops. The answer to whether you need life insurance depends on your personal and financial circumstances.

You should probably consider buying life insurance if any one of the following is true:

  • You are married and your spouse depends on your income
  • You have children
  • You have an aging parent or disabled relative who depends on you for support
  • Your retirement savings and pension won’t be enough for your spouse to live on
  • You have a large estate and expect to owe estate taxes
  • You own a business, especially if you have a partner
  • You have a substantial joint financial obligation such as a personal loan for which another person would be legally responsible after your death

In all of these cases, the proceeds from a life insurance policy can help your loved ones continue to manage financially during the difficult weeks, months, and years after your death. The proceeds can also be used to meet funeral and other final expenses, which can run into thousands of dollars.

If you’re still unsure about whether you should buy life insurance, a good question to ask yourself is: If I died today with no life insurance, would my family need to make substantial financial sacrifices and give up the lifestyle to which they’ve become accustomed in order to meet their financial obligations (e.g., car payments, mortgage, college tuition)?

  • Life Insurance at Various Life Stages
  • Life Insurance for Business Owners
  • Life Insurance for the Self-Employed
  • Comparing Life Insurance Policies
  • Designating a Beneficiary for Life Insurance
1/3 of People

1/3 of people worry about supporting themselves if they become disabled and unable to work.

20% Not Enough

1 in 5 people who have life insurance say they do not have enough.

7 Out of 10

This statistic is startling: 7 in 10 employed Americans would feel the financial pinch in a month or less without their paycheck.

90% Need Insurance

Almost everyone (90%) thinks a family’s primary wage earner needs to own life insurance.

Life Happens!

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