States - Life Insurance
to Cotton States Life Insurance
in Atlanta, Cotton States is a group of companies that has
been providing quality insurance products to the residents
of the Southeast since 1941. Backed by a tradition of dependability
and service, Cotton States has been helping generations of
families find the insurance coverage that works best for their
Your Coverage Under One Roof
In addition to Cotton States home, auto and life policies,
Cotton States also offers a number of specialty coverages,
including renters insurance, health coverage, mortgage protection,
disability insurance, dental plans, guaranteed issue life
plans, mobile home insurance and many other specialty insurance
products to meet your insurance needs.
Professional Service from Agents in Your Community
At Cotton States, "Our Most Important Policy Is Trust."
Thats not just Cotton States slogan. Its the way
they do business. Cotton States regional focus ensures that
you are served by an agent who lives in your communityby
someone who knows the issues that are important to you and
your family. Your Cotton States agent will periodically analyze
your coverage to ensure that you are adequately covered, without
duplicating your coverage.
Claims Service is Just a Phone Call Away
Cotton States have hundreds of agents throughout the Southeast
who provide fast and friendly service to their policyholders.
Cotton States pride themselves on prompt and courteous property
and casualty claims service - available 24 hours a day, seven
days a week. In fact, the majority of all claims are satisfactorily
completed within days.
a Cotton States Agent Is Easy
Although Cotton States is licensed in 10 Southeastern states,
their concentration is in Alabama, Georgia, Kentucky, Tennessee,
and northern and central Florida. Check their Agent Locator
for a Cotton States agent near you.
Cotton States Group of Companies
Cotton States is a group of companies, which includes Cotton
States Mutual Insurance Company, Shield Insurance Company,
Cotton States Life Insurance Company and Cotton States Investment
Company. Cotton States Life Insurance Company has two subsidiaries,
CSI Brokerage Services, Inc. and CS Marketing Resources. These
subsidiaries expand the Companys product line by offering
property and casualty products, as well as life, health and
States Life Insurance Company is the only publicly held company
in the Group. The Life Company received a rating of A- (Excellent)
from the A.M. Best Company, an independent, world-wide insurance
rating agency. Its common shares are traded on The Nasdaq
National Market under the symbol CSLI.
Cotton States Life Insurance
You Need Life Insurance
life insurance is one of the best ways to protect your family
against financial hardships. Unfortunately, many people dont
realize the importance that adequate life insurance coverage
plays in a familys financial well being. Talk with a
Cotton States agent about your life insurance needs so you
can protect your familys future.
you know that life insurance can:
financial obligations in case of death
that mortgage payments are met
a fixed income for a surviving parent with young children
certain tax problems
a method for a closed corporation to liquidate stockholder
a business buy-sell agreement
children with college education
many other benefits
Universal Life Insurance is a permanent life insurance
program that provides flexible premiums and an option of two
adjustable death benefits. It also accumulates cash values
and offers competitive tax-deferred interest. Loans and withdrawals
are available on a tax-favored basis.
Life Insurance offers low-cost protection for a specified
period of time. It is a temporary solution to a short-term
need such as a housing loan, business expansion or large debt.
This type of policy provides large death benefits at an initial
low premium that increases as you get older. Some term policies,
however, have an option that allows you to convert the policy
into permanent insurance up to age 70.
Life Insurance provides permanent protection at an economical
price. It offers moderate premiums that are locked in at the
time of purchase. The death benefits cannot fall below the
initial face amount. There are guaranteed cash values and
Life Insurance is a stable insurance program with guaranteed
death benefits, tax-deferred cash accumulation and the flexibility
to meet a wide range of financial goals. The participating
life insurance guarantees that your premiums will never increase,
your death benefits will not decrease and your coverage won't
expire regardless of your age or health. This policy increases
in value as cash accumulates. And, unlike other types of whole
life insurance, this policy can pay dividends.
Issue Life Insurance provides coverage that is guaranteed
to be issued, regardless of your health condition. No medical
questions or exams are required. Since no underwriting is
done, death benefits are usually graded, or otherwise limited,
during the first few policy years and the maximum death benefits
available are usually low.
Issue Life Insurance provides coverage that is underwritten
from a simple application, consisting of just a few health
questions. Usually, medical exams are not required. Death
benefits are not graded or otherwise limited. Due to the limited
underwriting, the maximum death benefits available are usually
Benefit Rider - This rider advances a portion of the death
benefits if the insured has been diagnosed with a terminal
disease and has less than 12 months to live or is permanently
confined to a nursing home.
note: This information is for summary purposes only and
contains a general outline of coverages provided in a Cotton
States life insurance policy. This is not a contract or a
policy of any kind. Complete and detailed descriptions of
life insurance policy coverages and exclusions are contained
only in the policy itself. Information subject to change without
244 Perimeter Center Parkway,
N.E. Atlanta, GA