Practical strategies and advice to help you make smarter money decisions.
Comparing term and permanent life insurance by age group. A plain guide to help Georgia families choose the right type of life insurance at 25, 35, 45, or 55.
Read More →A plain-English guide to saving for college in Georgia: 529 plans, Roth IRAs, and IUL compared. How each one works, the FAFSA impact, and which combination most families end up choosing.
Read More →Plain-English guides on life insurance, college savings, FAFSA, and family financial planning. Calculators, comparisons, and answers to the questions families actually ask.
Read More →Find out how much life insurance you need based on your family profile. Coverage guides for single parents, young couples, families with kids, and more.
Read More →A plain-English guide to life insurance for Georgia families. Find out how much you need, what type fits your life, and how to get covered without the runaround.
Read More →Not sure which type of life insurance fits your situation? Here is a plain-English comparison to help you understand the basics before booking a strategy session.
| Feature | Term Life | Permanent Life |
|---|---|---|
| Coverage period | Fixed term (10, 20, or 30 years) | Your entire life |
| Monthly cost | Lower (e.g., $20-$40/mo for healthy 30-year-old) | Higher, builds cash value over time |
| Cash value | No | Yes, grows tax-deferred |
| Best for | Income replacement, mortgage protection, young families | Estate planning, legacy building, wealth transfer |
| Simplicity | Simple and straightforward | More complex, more options |
Want to know how much coverage you need? Try the free life insurance calculator →