Life insurance is a crucial step in planning for your future and the future of your loved ones. It can help replace income, protect assets, and handle final expenses.

Life insurance can seem complicated, but we're here to help walk you through it. We'll explain the options out there, evaluate your situation, and help find the solution that fits best. Here's a brief overview:

Have Questions?

Term Life Insurance 

Term life insurance provides coverage for a specified period of time. It's well suited to replace income in the event of an untimely death so loved ones can continue to cover a mortgage, contribute to kids' college savings, or pay any other expenses.

Term life is popular due to its affordability and simplicity as premiums and the death benefit are level throughout the policy.


Coverage periods are usually available in 5 or 10 year increments ranging from 10-30 years. Term life is also sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

Permanent Life Insurance​

Similar to term life insurance, it pays a death benefit upon death of the insured, but they also have a cash value component that may grow over time. As the name suggests, they're designed to last a lifetime. Permanent life is often used for more complex needs and there are two main types:

  • Whole Life Insurance is more traditional and premiums are typically fixed and level for the policy's lifetime.

  • Universal Life Insurance is flexible and may allow lowering or raising of premiums and coverage amounts. The cash value component's growth may also be tied to a stock market index.


6003 Veterans Parkway

Suite 216

Columbus, GA 31909


Tel: 706-660-5969

Fax: 706-660-5979


Monday - Friday 

9:00 AM - 5:00 PM


Saturday & After Hours

By Appointment

Chastain & Welch Agency LLC - Columbus Georgia

Note that all coverage summaries are generic, based on general industry standards, and informational only. They in no way create, extend, reduce, or otherwise modify coverage provided by any insurance policy. Please refer to your policy documents and any endorsements to determine coverage limits, conditions, exclusions and any other applicable provisions.

© 2019 by Chastain & Welch Agency, LLC.    Call us: 706-660-5969      >>>     Follow us:

  • Facebook
  • Twitter
  • LinkedIn
  • Yelp