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There isn’t a “one-size-fits-all” insurance policy that will cover your needs over your lifetime. Rather, you will benefit from a collection of policies designed to protect you and your family as you grow older. Chastain Agency LLC, in Gainesville and Cleveland, GA, cares about you and your family’s future. Here is how separate types of policies can help you meet your financial obligations to your family and debtors throughout your life.


A term insurance policy is meant to last for a specific period. You can get a policy that lasts five years or 30 years depending on your needs. This type of policy is less expensive than whole life policies because it has an end point before death and doesn’t build up the value that you can assess while alive. A 20- or 30-year term policy should last while your children are growing up or you’re still paying for a mortgage. After those responsibilities are fulfilled, you no longer need a life insurance policy to cover those expenses. A downside to a term policy is that once it expires, you will have to go through the acceptance process all over again to get a new one.


There are different types of whole life insurance policies, but the one thing they all have in common is that as long as you keep on paying the premiums, the policy will be enforced. These policies normally cost a lot more than a term policy and, if you are budget conscious, can put a strain on your finances over time. A whole life policy lasts until you pass away and you never have to reapply once you get accepted. Whole life is good for final expenses and to leave your spouse or partner a little money to live on after you are gone.

If you live in Georgia, South Carolina, or Tennessee and are looking to obtain life insurance and don’t know much about it, you should call Chastain Agency LLC, in Gainesville and Cleveland, GA. We can answer any questions you may have and develop a life insurance plan that fits all your needs.

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