|
Protecting What Matters Most & Beyond
|
Life Insurance
Financial Security for the People You Love
Life Insurance Strategies Tailored to You
Life insurance is more than a policy—it’s a promise that your loved ones will be financially cared for if the unexpected happens. At Meagher Financial Services, we help individuals and families in Roswell, Alpharetta, Marietta, and across Georgia choose the right type and amount of coverage for their unique needs. As independent advisors held to a fiduciary standard, we work with multiple carriers to find the best fit without bias. Our focus is on integrating life insurance into your overall financial plan—so it protects not just against loss, but supports your legacy, retirement, and estate planning goals.
How do I make sure my family is taken care of if something happens to me?
That question is at the heart of why we do what we do. Together, we’ll design a plan that provides protection today and peace of mind for tomorrow.
-
Access to multiple carriers
-
Policy reviews for changing needs
-
Blended term + permanent options
-
Estate planning coordination
|
01
Term Life Insurance
Affordable coverage for a fixed period (10, 20, or 30 years), often used to replace income during mortgage years, cover education expenses, or protect young families.
02
Whole Life Insurance
Permanent coverage with a guaranteed death benefit and cash value accumulation, which can be accessed for emergencies, opportunities, or retirement needs.
03
Universal Life Insurance
Flexible coverage and premium structures that adapt to changing financial situations while offering potential cash value growth.
04
Survivorship Life Insurance
Covers two individuals, paying out upon the second passing—commonly used for estate planning and to help cover potential estate taxes.
05
Final Expense Insurance
Smaller permanent policies designed to cover funeral costs, medical bills, or other end-of-life expenses.
06
Policy Review Services
Comprehensive audits of your existing policies to evaluate cost, benefits, and alignment with current goals, ensuring your coverage still serves you well.
How do I know how much coverage I need?
We use a needs-based analysis that considers your income, debts, future expenses, and goals for your family. This ensures your coverage is neither too small nor unnecessarily large.
Should I buy term or permanent life insurance?
It depends on your goals. Term life is typically more affordable and best for temporary needs, while permanent coverage can support long-term goals like estate planning or cash value accumulation.
Can I have more than one life insurance policy?
Yes. Many clients blend policies to meet different needs—for example, term life for income replacement and whole life for permanent coverage and cash value growth.
What happens if I outlive my term policy?
Your coverage will end unless you convert to a permanent policy (if allowed) or purchase a new policy. We plan ahead to ensure you’re never left unprotected.
Will my premiums change over time?
Term life premiums remain level for the term length you choose. Permanent policies can have flexible premiums depending on the product type. We’ll explain the structure before you commit.
