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 Cheapest Life Insurance USA

ING Life of Georgia - Life Insurance

Welcome to the Life Insurance Company of Georgia

ING Life of Georgia . . . providing Understandable, Suitable and Affordable financial risk solutions for families just like yours. Currently, ING Life of Georgia insure over one million people and serve over 500,000 households in the Southeast.

Founded in 1891, ING Life of Georgia is the oldest life insurance company head- quartered and domiciled in Georgia. The company . . .

  • Has $1.45 billion in assets under management
  • Has $12 billion of life insurance in force
  • Has more than $327 million in total revenue
  • Has top ratings by four leading insurance industry rating agencies
  • Is a member of the Insurance Marketplace Standards Association
  • Is owned by ING Group.

Based in The Netherlands, ING Group was created by a merger of two European financial giants -- Nationale-Nederlanden (insurance) and NMB/Postbank Group (banking) -- forming one of the largest integrated financial services organizations in the world. ING Group:

  • Specializes in insurance, banking and investment services
  • Has $467 billion in assets under management
  • Is the largest stock-owned life and health insurance company in the world (Fortune, August 3, 1998), based on 1997 profits.
  • Has been dedicated to the business of insurance for over 150 years.


ING Life of Georgia's Term Life Insurance Products

Buying life insurance is not like any other purchase you will make. When you pay your premiums, you're buying the future financial security for your family that only life insurance can provide. Among its many uses, life insurance helps ensure that, when you die, your dependents will have the financial resources needed to protect their home and the income needed to run a household.

Term life insurance provides protection for a specific period of time. It pays a benefit only if you die during the term. Some term insurance policies can be renewed when you reach the end of a specific period which can be from one to 20 years. The premium rates increase at each renewal date.

ING Life of Georgia offers several term life products designed to meet various needs.

  • Value Term is an annual renewable term insurance product with premiums that increase every year. It provides complete protection for your personal or business life insurance needs at low cost term insurance rates.
  • Value Ten is a 10-year level term product that guarantees premiums at the current rate for the first 10 years of the policy. After the 10th year, the premium can change annually but will not exceed the maximum premiums stated in the policy.
  • Quality 5 is a five year level term product that guarantees premiums for the first five years.
  • Home Protector is a tailor-made home protection life insurance policy that is available for face amounts of $25,000 through a maximum of $80,000 if you are between the ages of 18 and 45 (this policy is not available for anyone above the age of 45). In addition, this policy offers you either a 15 or 30 year term period.
  • Home Protector Plus is a home protection life insurance policy designed for larger face amounts -- $100,000 and higher if you are between the ages of 18 and 45 and $25,000 and higher if you are between 46 and 55. With this policy, either a 15 or 30 year term period is available with the $100,000 and higher face amount. For the $25,000 and higher choice, only the 15 year term period is available.


ING Life of Georgia's Universal Life Products

Buying life insurance is not like any other purchase you will make. When you pay your premiums, you're buying the future financial security for your family that only life insurance can provide. Among its many uses, life insurance helps ensure that, when you die, your dependents will have the financial resources needed to protect their home and the income needed to run a household.

Flexible premium, adjustable benefit universal life, a type of permanent policy, is an affordable insurance policy that offers cash value accumulation and adjustability -- not found in most traditional whole life insurance policies. You can reduce or increase the amount of death benefit (an increase will usually require evidence of insurability). In addition, universal life lets you vary your premium payments, and even skip a payment if you wish, if there is enough value in the policy to pay premiums. The premiums you pay (less any expense charges, if applicable) go into a policy account that earns interest, and charges for the insurance are deducted from the account. The coverage continues as long as there is enough accumulation value in the account to pay the insurance charges.

ING Life of Georgia's universal life insurance products provide both long-term protection and greater flexibility of funding. Depending on your current needs, you can choose from four different policies.

  • Flex AP (Accumulation and Protection) is designed for individuals who want competitive, high cash value accumulation at the price of higher premiums. Along with your life insurance death benefit, a Flex AP policy offers zero net interest loans (the amount of interest charged by the company on your loan will be equal to the amount credited back to your policy, if the loan is taken out after 10 years).
  • Quality Life Plus combines life insurance protection with an accumulation fund to meet a variety of needs. With face amounts ranging from $25,000 - $40,000 (up to age 80), Quality Life Plus is designed to last for your lifetime because its flexibility gives you more options.
  • Easy Universal Life is a simplified issue product--meaning there are just a few qualifying health questions on the application--that offers low premiums, flexible features and traditional life insurance guarantees.


ING Life of Georgia's Whole Life Insurance Products

Buying life insurance is not like any other purchase you will make. When you pay your premiums, you're buying the future financial security for your family that only life insurance can provide. Among its many uses, life insurance helps ensure that, when you die, your dependents will have the financial resources needed to protect their home and the income needed to run a household.

The coverage provided by a whole life policy is permanent, that is, it covers you for as long as you live. The premiums are level and usually continue for the entire policy period, although there are exceptions. You initially pay more than you would for a term policy. This extra premium goes into a cash value account that is used to offset higher premiums as you grow older.

ING Life of Georgia's whole life insurance products include several different plans to meet a variey of needs.

  • Whole Life Plus is a fixed, interest sensitive whole life policy. Premiums are payable for life and the policy's cash values are credited with current interest rates.
  • Pacesetter is the one whole life plan that, in the event of death, will provide immediate cash benefits to help your family pay for a wide variety of expenses (e.g., funeral costs, doctor and hospital bills, mortgage or rent payments, education expenses). Face amounts range from $5,000 to $25,000 for ages 0-80.


ING Life of Georgia's Second-To-Die/Survivorship UL Product

Survivorship Universal Life Insurance,a flexible premium, adjustable benefit universal life insurance policy (also called "joint and last survivor" or "second-to-die"), provides coverage on the lives of two spouses or business partners under one policy. The insurance is payable upon the death of the second of the two insureds.

  • Legacy Survivor--insures two lives and pays the insurance proceeds at the death of the surviving partner, allowing beneficiaries the ability to pay estate taxes and probate costs without disrupting business interests and personal assets. It offers attractive tax advantages and the flexibility of customizing plans to specific needs through a choice of policy riders, all at very low premiums.

 

 

 

5780 Powers Ferry Road,
NW,
Atlanta,
GA 30327

http://www.lifeofgeorgia.com

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