There are two major kinds of life insurance—term life insurance, and whole life insurance. Whole life is sometimes called “permanent life insurance”, and it may come in several varieties – including traditional whole life, universal life, variable life and variable universal life. I
Life insurance products for who groups of people/employees are very unique when compared to life insurance sold to directly to individuals. The carriers below offer a great variety of these products, and we are certain you will be able to find the right policy for you, and your budget.
CareSource plans provide comprehensive, quality coverage that you can afford, understand and use. They offer individual and family plans with optional dental and vision coverage for adults. CareSource is a Qualified Health Plan offered through the Health Insurance Marketplace.
Marketplace Plan Benefits
Optional Adult Dental, Vision, & Fitness Benefits
Need to take a trip to the eye doctor or dentist? Interested in no-cost gym memberships? Adults get enhanced benefits by adding optional Adult Dental, Vision & Fitness Benefits*** to any Silver, Bronze or Gold plan. The Fitness Benefit provides access to multiple fitness centers and gyms, digital fitness choices with home fitness tools, including one home fitness kit per benefit year with some kits including a wearable device (e.g. Fitbit® or Garmin®), digital workouts and live lifestyle coaching. All plans include pediatric dental and vision coverage.
CareSource plans have some of the lowest in-network primary care or retail clinic copays. Plus, many benefits, including primary and specialist care, retail clinic, telemedicine, urgent care, retail generic and retail preferred brand drugs, are available before you satisfy your deductible on most of our plans^.
Prescription Drug Benefits
Our prescription drug coverage includes copays as low as $0 for generic drugs and an extensive list of brand name drugs.
Preventive Care Coverage
Health insurance should help you stay healthy. That’s why there are no copays or coinsurance fees for defined preventive health services with CareSource Marketplace plans.
All CareSource Marketplace plans include TruHearing® coverage with hearing aid discounts and $0 copay for routine hearing screenings.
A team of nurses who can answer health questions 24/7/365.
Health and well-being services
Including 24 hour nurseline, wellness advocates, incentive programs, specialty care teams, and other innovative support like our MyHealth and myStrength tools.
Through our Zero Cost Telemedicine Partner Program, you have access to $0 copay telehealth office visits. Other Telehealth Office Visits have the same cost share as your Primary Care Physician and non-office visits have the same cost share as an in person visit. CareSource fully supports your choice to use telehealth and is willing to partner with your Provider and we provide access to services to all members through Teladoc®. Teladoc® provides 24/7 access to US licensed physicians who can consult, diagnose, and prescribe medications by phone or video for short-term illnesses.
Mutual of Omaha - 2023 Georgia Medicare Plans
Mutual of Omaha Medicare Supplement Plans are highly popular in Georgia and usually have the lowest rates. They take an attained-age rating approach to pricing their Medicare supplements and have lower rates for non-tobacco users.
National General’s Short Term Medical insurance gives you a plan to face those unpredictable moments in life with confidence. It provides the financial protection you need from unexpected medical bills and other health care expenses.
Life insurance provides a tax-free lump sum of money, called the death benefit, to a designated beneficiary after your death. You choose the type of policy you need, the number of years you want it to last, and coverage amount, and make premium payments to the insurance company. If you pass away while your life insurance policy is active, your beneficiaries can file a claim and the death benefit will be paid out to them.
Life insurance coverage offers affordable financial protection — and invaluable peace of mind — to people whose friends or family members rely on them. The death benefit can be used to pay for expenses like a mortgage, utility and grocery bills, children’s college costs, final funeral arrangements, long-term care, and more.
Types of Life Insurance
Term Life Insurance
this is the most common type of life insurance. This type of insurance will expire after a set period of time (aka the “term”), providing protection when you need it and ending when you have paid off your major financial obligations, such as a mortgage, college tuition, etc. Term life insurance is also cheaper than other types.
Whole Life Insurance
This is a permanent life insurance. That means that it doesn’t expire. It also has a cash value component, which resembles an investment account that you can borrow from. Whole Life Insurance is typically more expensive than term. While it can be helpful for complex financial situations, most people will not benefit from the extra cost.
How do I know which insurance policy I need?
Everyone’s needs are different when it comes to health insurance. Term life insurance is typically the best coverage option for most people – it’s easy to use and offers the most affordable coverage in comparison to other types of life insurance.
The best advice would be to speak to an agent about your financial circumstances and life insurance needs in order to determine the right policy for you and your current situation.
How much is life insurance?
Factors in life insurance rates
- Policy details
- Your current health
How to buy life insurance
Get a free life insurance quote.
Choose a life insurance policy.
Fill out an application. Your agent can help you.
Take a medical exam. This is similar to a physical. This exam is also free, and a technician will come to your home/workplace at your convenience.
Complete a phone interview. Your agent will ask you a few simple questions about your lifestyle and health questions.
Wait for approval. A life insurance underwriter will use all of the collected information to decide on a final premium rate – which should resemble the quotes you received during step 1. This can take up to 2 months.
Sign your life insurance policy. After you sign your policy and send your first payment, your life insurance will be activated.