Protect today.
Guarantee
tomorrow.
Tailored life‑insurance solutions for lasting family security.
Your Family’s Safety Net Starts Here
Life moves fast—and so can life‑changing events. Whether you’re a new parent, a business owner, or simply want to provide for loved ones, the right life insurance policy turns uncertainty into confidence.
The Southern Agency partners with A‑rated carriers nationwide to deliver competitive rates, flexible coverage, and expert guidance you can trust. One quick illustration shows you real numbers from multiple insurers—often in five minutes or less.
Why Choose The Southern Agency?
- Independent & Nationwide – We shop dozens of top carriers so you don’t have to.
- Personal Service, Big‑Agency Resources – Work with a dedicated advisor backed by industry‑leading underwriting support.
- Straight Talk, No Gimmicks – From “buy term and invest the difference” to feature‑rich whole life, we explain every option in plain English.
- Fast, Secure, Digital – E‑signatures and online health questionnaires speed up approval while protecting your data.
The Southern Agency's Life Insurance Overview
Compare Leading Life Insurance Companies
There are a lot of insurance companies that offer life insurance, and we represent or have access to most of these carriers, including top names, such as:
- Allianz Life of North America
- American General Life Insurance (AIG)
- Auto-Owners Life Insurance Company
- Cincinnati Life Insurance Company
- ERIE Life Insurance Company
- Foresters Financial
- Government Personnel Mutual
- Lincoln Financial Group
- National Life Group
Popular Riders & Custom Features
- Accelerated Benefit – Access a portion of the death benefit if diagnosed with a terminal illness.
- Accidental Death Benefit – Extra payout if death results from a covered accident.
- Child Term – Low‑cost term coverage for children until they reach adulthood.
- Critical Illness – Lump‑sum payment upon diagnosis of a covered serious illness.
- Disability Income – Monthly income if you become disabled and can’t work.
- Guaranteed Insurability – Buy more coverage later—no medical exam.
- Long‑Term Care – Use part of the death benefit for qualifying long‑term care expenses.
- Waiver of Premium – Premiums waived during qualifying disability.
- Return of Premium – Get back premiums if you outlive a term policy.
Benefits At A Glance
- Coverage for a specific term or your entire lifetime
- Many AM Best A++ carriers for rock‑solid financial strength
- Policies that build cash value with zero market risk
- Family, mortgage, key‑person, and buy‑sell protection
- Possible multi‑policy and healthy‑lifestyle discounts
- Flexible monthly, quarterly, or annual payments
Underwriting 101: What Impacts Your Rate?
- Age
- Health history
- Height/weight
- Blood pressure
- Cholesterol
- Nicotine/vaping
- Recreation risk
- Driving record
- Medications
- Family medical history
- Substance use
- Residency & travel
Possible requirements also include: online application, phone interview, paramed exam, blood work, urinalysis, EKG, attending‑physician statements, MIB report.
Discover the Right Policy: Term, Universal, Indexed Universal & Whole Life Explained
TERM LIFE INSURANCE
Term life insurance is the simplest and most affordable way to secure a large death‑benefit payout for a defined period—10, 15, 20, 25, 30 years, or even to age 65. Because premiums pay only for pure protection (there is no cash‑value account), you get the lowest cost per dollar of coverage—ideal for young families, new homeowners, and anyone who needs to replace income during high‑expense years.
Key Advantages
- Fixed, level premiums for the entire term
- High coverage amounts available with quick, digital underwriting
- Convertible to permanent life insurance—no medical exam—before the term ends
- Optional Return‑of‑Premium feature refunds 100 % of paid premiums if you outlive the policy
- Riders available for accelerated death benefit, disability waiver, and children’s term coverage
Best‑Fit Uses: Mortgage protection, income replacement while raising children, business loan collateral, or affordable key‑person coverage.
INDEXED UNIVERSAL LIFE (IUL) INSURANCE
Term life insurance is the simplest and most affordable way to secure a large death‑benefit payout for a defined period—10, 15, 20, 25, 30 years, or even to age 65. Because premiums pay only for pure protection (there is no cash‑value account), you get the lowest cost per dollar of coverage—ideal for young families, new homeowners, and anyone who needs to replace income during high‑expense years.
Key Advantages
- Fixed, level premiums for the entire term
- High coverage amounts available with quick, digital underwriting
- Convertible to permanent life insurance—no medical exam—before the term ends
- Optional Return‑of‑Premium feature refunds 100 % of paid premiums if you outlive the policy
- Riders available for accelerated death benefit, disability waiver, and children’s term coverage
Best‑Fit Uses: Mortgage protection, income replacement while raising children, business loan collateral, or affordable key‑person coverage.
Get Started in 3 Simple Steps
1
Request Your Illustration
Takes only a couple of minutes.
2
Choose the Best‑Fit Policy
Your advisor compares quotes and riders side‑by‑side.
3
Relax—Your Family Is Protected
Receive policy documents and annual statements (plus cash‑value updates if applicable).
Let’s Find the Right Life Insurance for You
Your family’s future is too important to leave to chance. Click below to receive a side‑by‑side illustration from the nation’s strongest life insurance companies—fast, unbiased, and free.
FREQUENTLY ASKED QUESTIONS
What is life insurance?
Life insurance is a contract that pays a tax‑advantaged death benefit to your beneficiaries in exchange for regular premiums—providing financial security when it’s needed most.
How much coverage do I need?
A common rule is 10–15 × your annual income, but debts, education goals, and lifestyle all matter. Our advisors run personalized needs analyses at no cost.
Are premiums locked in?
Yes for term and most whole‑life policies. Universal life premiums can be flexible within policy limits.
Will my policy’s cash value grow tax‑deferred?
Yes. Cash value accumulates tax‑deferred and can often be accessed tax‑advantaged through policy loans or withdrawals (consult your tax advisor).
Can I adjust or convert my policy later?
Many term policies are convertible to permanent coverage. Universal and indexed universal policies allow future premium and death‑benefit adjustments.
What types of life insurance are available?
The four most common are term life, whole life, universal life, and indexed universal life—each offering different combinations of cost, duration, flexibility, and cash‑value potential.
What affects my life‑insurance rate?
Age, health, height/weight, family medical history, lifestyle habits (such as smoking or high‑risk hobbies), occupation, and the amount and type of coverage all play major roles.
Are death benefits taxable?
In most cases, life‑insurance death benefits are income‑tax‑free to beneficiaries. Estate‑tax exposure or certain ownership structures can create exceptions; consult a tax professional.
Do I need a medical exam?
Traditional underwriting often includes a brief paramedical exam. Some carriers offer “no‑exam” or accelerated‑underwriting policies for qualifying applicants.
Can I own more than one policy?
Yes. Many people layer multiple policies (e.g., a term policy for mortgage protection plus a smaller whole‑life policy for final expenses).
How quickly are claims paid?
Most carriers pay approved claims within 7–14 business days after receiving a completed claim form and death certificate.
What happens if I stop paying premiums?
If you miss payments, a grace period (typically 30–31 days) applies. After that, term policies lapse; permanent policies may use cash value to keep coverage in force or may lapse if value is insufficient.
Can I change my beneficiaries?
Absolutely. You can update beneficiaries at any time unless you’ve designated an irrevocable beneficiary, which requires their consent for changes.
Does life insurance cover accidental death only?
Standard life policies pay for death from most causes, including illness. Accidental‑only coverage is a separate, more limited product.
Is it possible to borrow against my policy?
Whole life, universal life, and indexed universal life policies accumulate cash value you can borrow against—usually at competitive interest rates—with no credit check.
