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Guidelines for Life Insurance Coverage

You know that you need life insurance to protect your family if you pass unexpectedly. However, you may not know how much coverage you need or which type of policy to select. At Rob Hill Insurance Group in Atlanta, GA, we are here to provide guidelines for choosing life insurance coverage. 

Types of Life Insurance

There are two basic types of life insurance. These are term life and whole life. A term life policy provides coverage for a set term, typically 10-30 years. At the end of the term, the policy expires. To continue having coverage, you’ll need to get a new policy. 

Whole-life coverage, on the other hand, provides coverage for a lifetime. You’ll be covered until your eventual death, no matter your age. 

Term life is less expensive. Whole-life policies typically have a cash value component that you can withdraw from after several years. 

How Much Coverage Do You Need? 

You’ll also need to determine how much coverage you need. If you have a family that depends on your income, experts recommend multiplying your yearly income by 10. Then, add any debts or liabilities, including a mortgage. This ensures your family will be financially secure without you. You may also want to factor in their care or college education if you have children. 

You’ll need enough coverage to cover your debts and final expenses if you don’t have any dependents. Add up your liabilities and debts. You’ll want to add final expenses to this number. In Georgia, this averages about 13,000. You may want to consider any final medical expenses you may have as well. 

Life Insurance at Rob Hill Insurance Group

At Rob Hill Insurance Group, we serve the Atlanta, GA area. We offer life insurance to help you protect your family. We will discuss your needs and help you select the best policy for your situation. 

What Type of Life Insurance Policy should You Buy?

At Rob Hill Insurance Group, we prioritize the needs of our patrons in Atlanta, GA. Our goal is to provide dependable, flexible life insurance plans that cater to your needs. We strive to deliver policies that give you peace of mind, knowing you and your loved ones are protected.

Considering the Right Life Insurance Coverage

Finding the right life insurance policy can be complex. It’s not enough to choose a plan; you need to consider various factors to ensure your coverage meets your personal needs and financial objectives. At Rob Hill Insurance Group, we believe in offering valuable insights that reflect your unique requirements and helping you implement a comprehensive insurance plan.

Different Types of Life Insurance Policies

Our diverse insurance plans cater to a variety of needs. For instance, term life insurance offers temporary financial protection at affordable rates, with a payout set during specified years if death occurs. Alternatively, permanent insurance policies such as whole life or universal life policies can offer lifelong coverage and potential for cash value accumulation.

Finding the Best Life Insurance Cover

We believe a thorough assessment of your current obligations, future expenses, and long-term goals is crucial in determining your best life insurance coverage. Factors such as age, health, and listed beneficiaries can help narrow down the selection and enable a more informed choice. Let us assist you in selecting a life insurance policy that provides you and your family with the financial security and peace of mind you need.

Choose Rob Hill Insurance Group for Quality Life Insurance

If you’re around Atlanta, GA, and seeking quality life insurance, Rob Hill Insurance Group is the right place. Our dedicated professionals are ready to help you protect your family and assets. We offer a range of customizable insurance packages to fit your budget and individual needs. With us, you can rest assured of fair and considerate handling of your unique situation. Begin your journey towards peace of mind with us today.

Giving Yourself Time to Find a Great Life Insurance Policy

At Rob Hill Insurance Group, we know that finding life insurance in Atlanta, GA, can be a challenging experience. It’s something to approach with the proper care and attention to ensure things go smoothly for you. Here’s the multi-step process needed to improve your life insurance situation.

Shop Around 

Don’t just buy a policy from the first provider that comes your way. Instead, take the proper time to identify a provider that makes sense for you. For example, they may be a Georgia-based firm that provides discounts to residents or someone with budget-based options that suit your needs.

Know What Type You Want 

There are a few types of policies that you could consider when getting life insurance. For example, a term-limit policy typically covers you for 20-30 years, making it a great choice if you’re a little older and want to save a little money. You can also add more years of protection if your policy runs out. 

However, whole life insurance covers the rest of your life, which makes it helpful if you’re younger or don’t want to worry about your policy running out. The level of protection remains the same, which makes it a good option for people who want a long-lasting policy that makes sense.

Make Sure You Choose the Proper Coverage Level 

Modern afterlife expenses cost thousands of dollars and can put your family into serious debt that may last for the rest of their life. As a result, you need to choose a coverage level that fully protects them, paying for your funeral expenses and their transition to life without you.

Let Us Know What You Need

Contact us at Rob Hill Insurance Group if you’re looking for life insurance in Atlanta, GA, that will keep your family safe. We’ll talk with you about your protection and develop a policy option that provides the high-quality insurance necessary for your needs.

How Whole Life Insurance Works

If you don’t have life insurance yet, it’s time to get it. Life insurance is an important way that you can help those around you after you’re gone. When you have people who depend on you, it’s always necessary to have life insurance. There are two main types of this insurance- whole life and term life. Term life is active for a specific amount of time, and then it expires. Whole life doesn’t work that way. It’s a solid type of insurance that can mean a lot to those you leave behind. When you need life insurance, call us at Rob Hill Insurance Group in Atlanta, GA to find out more. 

Good for Life

Unlike a term policy, a whole life policy doesn’t expire. It will go on for the rest of your life as long as you continue making your premium payments. If you keep paying them, the insurance company can’t cancel your policy. It will be there even if you reach an advanced age. Because these policies cover policyholders into their senior years, this type of policy is more expensive, but many find the peace of mind worth the extra premium costs. 

Cash Value

If you should ever run into a financial emergency where would you turn? If you have a whole life insurance policy, you can turn to the policy. The policy will build up value over time. This becomes an amount that you can borrow against if you have an emergency and need the cash. It takes a few years for this cash value to build into a helpful fund, but it will only keep growing over time. 

Get Life Insurance 

If you’re interested in a whole life policy, call us at Rob Hill Insurance Group in Atlanta, GA to get started with a policy of your own. 

Why Life Insurance For Business Owners Is Vital

Safeguarding your business’s future is crucial to keeping your business running. Unexpected events can have a significant impact on a business’s stability. Life insurance plays a vital role in protecting your business’s assets. With our help at Rob Hill Insurance Group, serving the greater Atlanta, GA community, you can create a policy that aligns with your business’s obligations.  

Protecting Your Business’s Financial Future With Life Insurance

Business owners and entrepreneurs face multiple financial risks, and losing a key business partner or employee can leave a business vulnerable. Life insurance is a unique tool that helps manage a business’s financial stake in these challenges. Life insurance provides liquidity during challenging times to ensure your company has the funds to cover immediate expenses and maintain stability.

With proper protection, a company may be able to handle financial obligations, repay debts, or support operations. 

Suppose it causes a significant impact on a business, such as a death of a key employee or business partner. In that case, life insurance can cover financial obligations, repay debts, and facilitate business continuity. Life insurance can also provide funds to fill gaps left by the business partner or employee’s absence. 

When considering a life insurance policy for your business, carefully evaluate coverage options based on your business’s needs, including financial obligations and losing a key employee or partner—factors to consider are business debts, ongoing expenses, and the need for buy-sell agreements. Reviewing your policy is essential to ensure adequate coverage as your business evolves. 

We Are Here To Help

Safeguarding a business’s financial future is essential. Life insurance plays a vital role in protecting a business in unexpected situations. With our expertise at Rob Hill Insurance Group, you can make informed decisions about your business’s coverage options in Atlanta, GA. Don’t risk your business’s future—take proactive steps today to secure its stability with life insurance. 

Four common myths about life insurance

Life insurance is a type of insurance that you really need to have if you want to protect your family financially. At Rob Hill Insurance Group, we sell life insurance policies to consumers who are located in Atlanta, GA. 

Here are four common myths about life insurance that you should be aware of.

Being aware of these myths can help you to make the right choices about life insurance:

Those who are healthy and young don’t need life insurance

Even healthy young people can die unexpectedly, leaving their dependents in a difficult financial situation. Neglecting to purchase life insurance because you think you don’t need it thanks to your health could turn out to be a big mistake. 

Those who don’t have a family don’t need life insurance

Life insurance isn’t just for protecting your dependents financially. Life insurance is also important for covering your end-of-life expenses. 

Even if you don’t have any dependents, it’s still a good idea to purchase life insurance so that your family can use funds from your policy to cover your funeral and burial costs if you pass away. 

You have to die for anyone to benefit from your life insurance policy

Certain types of life insurance like whole life insurance have a savings component that assist you with financial planning. These policies may allow you to borrow against your policy’s value. Such policies benefit you even while you’re still alive. 

Getting life insurance is complicated.

You’ll be surprised by how simple it is to purchase life insurance. You shouldn’t be discouraged from buying life insurance because you feel overwhelmed by the complexity of this financial product. 

Give Us A Call

Are you in the market for life insurance in Atlanta, GA? We’re here to help. Call us at Rob Hill Insurance Group today so that you can learn about our policies and get a life insurance policy quote. 

Three things you might not be aware of when it comes to life insurance

Being informed about life insurance is important. The more informed you are, the better your decisions for yourself and your family will be when it comes to choosing the right life insurance policy. Rob Hill Insurance Group, serving the greater Atlanta, GA is happy to help build your awareness around this vital coverage. 

The following are three things that you might not yet be aware of when it comes to life insurance:

You can borrow against the value of some types of life insurance policy

Cash loans are one possible feature of certain whole or universal life insurance policies. If your life insurance policy has a cash value component, you may be able to withdraw funds from your policy. This really comes in handy when you have some extra expenses that come up. 

A policyholder may be expected to repay money that is borrowed from his or her policy. Alternatively, the borrowed funds can simply be taken out of the death benefit of the policy if the policyholder passes away. 

You may be able to take out life insurance without a medical exam

Many life insurance providers require customers to take a  medical exam before they can take out a policy. However, medical exams are not always necessary. 

If you are worried that you will be refused life insurance coverage because of a medical condition, you should look into the possibility of taking out a no-medical exam life insurance policy. 

The beneficiaries of a life insurance policy don’t have to pay taxes on a death benefit

Beneficiaries on a life insurance policy receive the death benefit amount if the policyholder passes away. Fortunately, beneficiaries don’t need to pay any taxes on the death benefit. Beneficiaries can use the full death benefit amount for any expenses that they choose. 

Contact Us Today

Get in touch with us at Rob Hill Insurance Group if you have questions about life insurance. We can offer life insurance policy quotes to consumers in Atlanta, GA. Call or email us to learn more. 

Should I Get Life Insurance Through My Employer?

Rob Hill Insurance Group in Atlanta, GA wants to ensure that you have all the information you need to make the best decision for you and your family. Employer-sponsored life insurance can be a great option for some, but it’s not right for everyone.

Here are some things to consider when making your decision:

Ease of Use

One of the benefits of getting life insurance through your employer is that it’s often a very easy process. You can typically sign up for coverage during your annual open enrollment period and don’t have to go through the hassle of a medical exam or answering health questions. Coverage is usually effective the first day of the month following your enrollment.

Coverage Amounts

Another thing to consider is the amount of coverage you need. Employer-sponsored life insurance typically provides coverage in the $50,000 to $250,000 range. If you have significant debt or other financial obligations, this may not be enough coverage. You may need to supplement your employer-sponsored life insurance with an individual policy to ensure your loved ones are taken care of financially if something happens to you.         


If you leave your job, you will usually lose your employer-sponsored life insurance coverage unless you convert it to an individual policy within a certain time frame (typically 30 to 90 days). With an individual policy, you own the policy and can keep it even if you change jobs or retire. However, converting a group life insurance policy to an individual policy can be expensive, so it’s important to compare costs before deciding what to do.

Contact Us Today                 

There are a lot of things to consider when deciding whether or not to get life insurance through your employer. The ease of use and guaranteed coverage amounts can be appealing, but it’s important to ensure that the coverage amount is enough and that you understand the conversion process if you decide to leave your job. Be sure to compare costs before making a decision to find the best option for you and your family. Contact Rob Hill Insurance Group in Atlanta, GA for your insurance needs.

How to Choose the Right Life Insurance

Life insurance is one of the most important decisions you will make. This is because the death of the primary breadwinner can have a devastating financial impact on a family. Luckily, life insurance can help to alleviate the burden. But with so many options available, how do you choose the right life insurance for you? Rob Hill Insurance Group in Atlanta, GA offers this guide in navigating this important coverage.

Here are a few things to consider when choosing a life insurance policy. 

Life Insurance: What You Need to Consider

What Type of Policy Do You Need? 

When it comes to life insurance, there are two main types of policies: term life insurance and whole life insurance. Term gives coverage for a specific period. This can be anything from 10 all the way to 30 years. It is the most affordable type of life insurance. A whole life policy is a long-term coverage that covers you for the remainder of your life. It is more expensive than term life insurance, but it also has cash value that you can borrow against.

How Much Coverage Do You Need? 

Before you start shopping for life insurance, you need to determine how much coverage you need. The amount of coverage you need will depend on your personal circumstances. Consider things like your age, health, debts, and dependents when determining how much coverage you need.

What Can You Afford? 

Once you know how much coverage you need, you can start shopping around for policies. But before you choose a policy, make sure you can afford the premiums. Some policies have higher premiums than others. Choose a policy that you can comfortably afford to pay.

What Are the Policy’s Terms? 

When you are shopping for life insurance, be sure to read the policy’s terms and conditions. Pay attention to things like the death benefit, premium payments, and length of coverage. These are all important factors to consider when choosing a life insurance policy.

Contact Us Today

Now that you know a few things to consider when choosing life insurance, it’s time to start shopping around for the right policy. Rob Hill Insurance Group in Atlanta, GA can help you find the perfect policy for your needs. We offer a wide range of life insurance options, and our experienced team can help you find the right one for you. Contact us today to get started.

Life insurance FAQs

Having questions about life insurance is not unusual. It is not something that generally is talked about. Most people will have no idea if their friends and family know anything about life insurance because it is never discussed. At Rob Hill Insurance Group in Atlanta, GA, we enjoy talking about life insurance. As independent insurance agents, it is part of our responsibility to share our knowledge with our customers. 

Do I need life insurance if I am young?

Being young is the best time to buy whole life. You will set the premium at a low price, and it will be with you at that lower cost for your entire life. Your chances of dying are lower when you are young, and you may not have dependents, but it is still the best time to start acquiring life insurance. 

Why should I buy life insurance if I get some from work?

Do you know exactly how much and what type of life insurance you get from work? Do you know what happens if you change employers? Can you continue to pay for life insurance? It would help if you had complete control of the protection you get from life insurance and not leave it to your HR department. 

How much life insurance do I need?

Life insurance needs are a very personal figure. It is determined by the number of people who count on you for financial support, your income, and how many years you will need to provide that support. Will you need to supply 100% of the support for your dependents, or will they have other sources of income? Experts think that 7-10 years of income is needed if you have children is the average amount. 

Contact Rob Hill Insurance Group in Atlanta, GA with all your questions and needs about life insurance.