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Cotton States - Life Insurance

Welcome to Cotton States Life Insurance

Headquartered 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 particular needs.

All 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.

Personal, Professional Service from Agents in Your Community
At Cotton States, "Our Most Important Policy Is Trust." That’s not just Cotton States slogan. It’s the way they do business. Cotton States regional focus ensures that you are served by an agent who lives in your community—by 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.

Superior Claims Service is Just a Phone Call Away…
1-800-457-1658
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.

Finding 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.

The 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 Company’s product line by offering property and casualty products, as well as life, health and disability coverage.

Cotton 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

Why You Need Life Insurance
Buying life insurance is one of the best ways to protect your family against financial hardships. Unfortunately, many people don’t realize the importance that adequate life insurance coverage plays in a family’s financial well being. Talk with a Cotton States agent about your life insurance needs so you can protect your family’s future.

Did you know that life insurance can:

  • Clear financial obligations in case of death
  • Ensure that mortgage payments are met
  • Guarantee a fixed income for a surviving parent with young children
  • Solve certain tax problems
  • Provide a method for a closed corporation to liquidate stockholder interests
  • Fund a business buy-sell agreement
  • Provide children with college education
  • Plus, many other benefits

Understanding Life Insurance
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.

Term 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.

Whole 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 paid-up options.

Participating 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.

Guaranteed 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.

Simplified 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 low.

Accelerated 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.

Please 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 notice.

 




244 Perimeter Center Parkway,
N.E. Atlanta, GA

http://www.cottonstatesinsurance.com

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