Term Life
Affordable coverage for set years
Life Insurance That Loves Like You Do
Protect your family’s future, preserve your legacy, and gain peace of mind today and always. At OnePoint, we help you choose the right life insurance for every stage of life, with clarity, care, and compassion.
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Types of Life Insurance
What is Life Insurance
Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for a lump-sum payment to your beneficiaries upon your death. It's a crucial step in financial planning, ensuring your family's financial stability.
Why Do you need it?
Think of life insurance as love turned into money, a way to ensure the people you care about don’t get crushed financially when you’re gone. it’s a financial tool designed to protect the people who depend on you financially
Understanding Life Insurance
Term Life Insurance
Coverage for a specific period (e.g., 10, 20, 30 years).
Affordable premiums
Option to convert to permanent
Whole Life Insurance
Lifetime coverage.
Fixed premiums.
Cash value accumulation.
Universal Life Insurance
Flexible premiums and death benefits.
Potential for cash value growth.
Final Expense Insurance
Designed to cover funeral and burial costs.
Simplified underwriting process.
Indexed Universal Life Insurance
Cash value tied to market indexes.
Potential for higher returns with downside protection
Survivorship Life Insurance
Covers two individuals, typically spouses.
Pays out upon the death of the second insured.
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Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for a lump-sum payment to your beneficiaries upon your death. It's a crucial step in financial planning, ensuring your family's financial stability.
Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for a lump-sum payment to your beneficiaries upon your death. It's a crucial step in financial planning, ensuring your family's financial stability.
Term Life Insurance
Coverage for a specific period (e.g., 10, 20, 30 years). Affordable premiums.
Option to convert to permanent insurance
Whole Life Insurance
Lifetime coverage.
Fixed premiums.
Cash value accumulation.
Universal Life Insurance
Flexible premiums and death benefits.
Potential for cash value growth.
Final Expense Insurance
Designed to cover funeral and burial costs.
Simplified underwriting process.
Indexed Universal Life Insurance
Cash value tied to market indexes.
Potential for higher returns with downside protection
Survivorship Life Insurance
Covers two individuals, typically spouses.
Pays out upon the death of the second insured.
Glossary
OnePoint Insurance Agency
Life Insurance Glossary
Accelerated Death Benefit RiderRider
An add-on that lets the insured access a portion of the death benefit early if diagnosed with a qualifying terminal or critical illness.
BeneficiaryPayout recipient
The person (or people) designated to receive the policy’s death benefit after the insured passes away.
Cash ValuePermanent policies
A savings/investment component in certain permanent policies (e.g., Whole or Universal Life). It grows over time and can be borrowed against.
Contestability PeriodFirst 2 years
Typically the first two years of a policy when the insurer may review a claim for misrepresentation or fraud before paying the death benefit.
Death BenefitPayout
The lump sum the insurer pays to the beneficiary upon the insured’s death, per the policy terms.
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OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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Frequently Asked Questions
Do I need life insurance if I’m young and healthy?
Yes. Buying early locks in lower premiums and protects your family’s future should the unexpected happen
How much Life Insurance do I need?
We recommend 10–15 times your annual income, but use our calculator to estimate based on debts, dependents, and future plans
What is a life insurance rider?
A rider is an optional add-on that customizes your coverage, such as disability waiver of premium or critical illness protection
How long does it take to get approved?
Approval timelines vary. Some no-exam policies are instant, while others may take 2–6 weeks if underwriting is required
Can I name multiple beneficiaries?
Yes. You can split the death benefit among multiple people or list primary and contingent (backup) beneficiaries
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888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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