Protect What Matters Most
From term life to whole life, IULs to final expense — we help individuals and families find the right coverage at the right price. Get an instant quote in minutes.
Coverage for Every Stage of Life
At The Howell Agency, we work with the nation's top-rated life insurance carriers to find you the best coverage for your budget and goals. Whether you need simple term protection, permanent whole life, an indexed universal life policy for wealth building, or final expense coverage for peace of mind — we have a solution for you.
Choose Your Coverage Type
Click any product below to get an instant quote or schedule a personalized consultation.
Accelerated Life
Get fast-tracked life insurance approval with simplified underwriting. Ideal for those who want coverage quickly without a lengthy medical exam process.
- Simplified underwriting — no lengthy exam
- Fast approval, often same day
- Living benefit riders available
Instant Term Life
Affordable, straightforward term life insurance with instant decisions. Choose your coverage amount and term length — coverage from 10 to 30 years.
- 10, 20, or 30-year term options
- Instant online decision
- Competitive rates for all health profiles
Return of Premium Term
All the protection of term life — but if you outlive your policy, you get every premium dollar back. The best of both worlds for budget-conscious families.
- All premiums returned if you outlive the term
- Same protection as standard term
- Great for budget-conscious planners
Whole Life Insurance
Permanent coverage that never expires, builds guaranteed cash value, and locks in your premium for life. A cornerstone of long-term financial planning.
- Coverage that never expires
- Guaranteed cash value growth
- Locked-in premium for life
Indexed Universal Life (IUL)
Flexible permanent life insurance with cash value growth tied to a market index. Build tax-advantaged wealth while protecting your family — without direct market risk.
- Tax-advantaged wealth accumulation
- Growth tied to market index — no direct risk
- Flexible premiums and death benefit
Final Expense
Affordable whole life coverage designed to cover funeral costs, medical bills, and end-of-life expenses. Guaranteed acceptance options available — no medical exam required.
- Guaranteed acceptance options available
- No medical exam required
- Covers funeral, medical & end-of-life costs
Why Work With The Howell Agency?
We're independent — which means we work for you, not the insurance company.
We Shop the Market
We compare rates across 9+ top-rated carriers to find the best price for your health profile and coverage goals.
No Pressure, Ever
Our consultations are 100% free. We educate first and let you make the decision that's right for your family.
Licensed & Local
Georgia-based, licensed life insurance advisors who understand your community and are available when you need us.
Carriers We Work With
We shop the top-rated carriers so you get the best rate for your health profile and coverage needs.
Mutual of Omaha
A+ rated. Known for competitive final expense and term life products with strong living benefit riders.
Transamerica
One of the largest life insurers in the U.S. Excellent term, whole life, and IUL options for all ages.
Foresters Financial
Unique fraternal benefits included with every policy. Strong whole life and term products with no medical exam options.
Americo
Highly competitive final expense and simplified issue whole life. Fast approvals and flexible benefit options.
North American
Top-tier IUL and indexed annuity products. Excellent for wealth accumulation and retirement planning strategies.
Global Atlantic
Innovative IUL and fixed indexed annuity solutions. Strong accumulation potential with downside protection.
F & G (Fidelity & Guaranty)
Strong fixed indexed annuity and life insurance products. Excellent for clients seeking guaranteed growth and lifetime income options.
SBLI
Savings Bank Life Insurance — known for straightforward, affordable term and whole life policies with no-nonsense underwriting and competitive rates.
Banner Life
One of the most competitively priced term life carriers in the country. Excellent for healthy applicants seeking high face amounts at low premiums.
Not Sure Which Policy Is Right for You?
Schedule a free consultation with one of our licensed life insurance advisors. We'll review your goals, budget, and health profile to find the best fit.