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Whether you're a young professional in Atlanta building your career, a family in Birmingham's suburbs with a new mortgage, or a retiree on the Gulf Coast planning your legacy, life insurance provides financial security for those you love. Yet approximately ",e.jsx("strong",{children:"48% of American families lack adequate life insurance coverage"}),", leaving themselves vulnerable to financial hardship during already difficult times."]}),e.jsx("p",{className:"text-lg text-muted-foreground",children:"The reality is stark but important: the death of a primary income earner creates immediate financial strain. Without life insurance, families in AL and GA face difficult decisions—selling the home, withdrawing children from college, taking on debt, or drastically reducing their standard of living. Life insurance eliminates these concerns by replacing your income and providing a financial cushion during the transition period."}),e.jsx("p",{className:"text-lg text-muted-foreground",children:"As a local agency with offices in Centre, AL and Rome, GA, we take time to understand your family's situation—not just run you through an online quote engine. Life insurance is deeply personal. The coverage that works for a 28-year-old starting a family in Gwinnett County is different from what a 62-year-old in Mobile needs. We help you find the right fit."})]})]})}),e.jsx("section",{className:"py-12",children:e.jsxs("div",{className:"container max-w-5xl",children:[e.jsxs("div",{className:"text-center mb-8",children:[e.jsx("h2",{className:"text-2xl md:text-3xl lg:text-4xl font-bold mb-4",children:"How Much Life Insurance Coverage Do You Need?"}),e.jsx("p",{className:"text-muted-foreground mb-6",children:"Sample rates for $500K 20-year term life insurance"})]}),e.jsxs("div",{className:"max-w-2xl mx-auto",children:[e.jsxs($,{children:[e.jsx(A,{children:e.jsxs(o,{children:[e.jsx(x,{className:"text-lg",children:"Age"}),e.jsx(x,{className:"text-lg text-right",children:"$500K Coverage"})]})}),e.jsxs(C,{children:[e.jsxs(o,{children:[e.jsx(a,{className:"font-medium",children:"Age 30"}),e.jsx(a,{className:"text-right font-bold text-primary",children:"~$25/month"})]}),e.jsxs(o,{children:[e.jsx(a,{className:"font-medium",children:"Age 40"}),e.jsx(a,{className:"text-right font-bold text-primary",children:"~$35/month"})]}),e.jsxs(o,{children:[e.jsx(a,{className:"font-medium",children:"Age 50"}),e.jsx(a,{className:"text-right font-bold text-primary",children:"~$75/month"})]})]})]}),e.jsx("p",{className:"text-sm text-muted-foreground mt-4 text-center",children:"Rates shown are for healthy, non-smoking individuals with 20-year term policies. 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Understanding the distinction helps you choose the right coverage for your family's needs and budget."})]}),e.jsx("div",{className:"overflow-x-auto",children:e.jsxs($,{children:[e.jsx(A,{children:e.jsxs(o,{children:[e.jsx(x,{className:"w-1/3",children:"Feature"}),e.jsx(x,{className:"w-1/3",children:"Term Life Insurance"}),e.jsx(x,{className:"w-1/3",children:"Whole Life Insurance"})]})}),e.jsxs(C,{children:[e.jsxs(o,{children:[e.jsx(a,{className:"font-medium",children:"Coverage Duration"}),e.jsx(a,{children:"Set period (10, 20, or 30 years)"}),e.jsx(a,{children:"Lifetime (as long as premiums paid)"})]}),e.jsxs(o,{children:[e.jsx(a,{className:"font-medium",children:"Monthly Cost"}),e.jsx(a,{className:"text-primary font-bold",children:"$20-30/month for $500K (age 30)"}),e.jsx(a,{children:"$200-300/month for $500K (age 30)"})]}),e.jsxs(o,{children:[e.jsx(a,{className:"font-medium",children:"Cash Value"}),e.jsx(a,{children:"None—pure protection"}),e.jsx(a,{children:"Builds cash value over time"})]}),e.jsxs(o,{children:[e.jsx(a,{className:"font-medium",children:"Best For"}),e.jsx(a,{children:"Income replacement during working years"}),e.jsx(a,{children:"Estate planning, permanent coverage"})]}),e.jsxs(o,{children:[e.jsx(a,{className:"font-medium",children:"What Happens at Term End"}),e.jsx(a,{children:"Coverage ends, premiums stop"}),e.jsx(a,{children:"Coverage continues for life"})]}),e.jsxs(o,{children:[e.jsx(a,{className:"font-medium",children:"Premium Changes"}),e.jsx(a,{children:"Fixed for the term"}),e.jsx(a,{children:"Fixed for life"})]}),e.jsxs(o,{children:[e.jsx(a,{className:"font-medium",children:"Coverage Amount"}),e.jsx(a,{children:"High coverage affordable ($1M+ possible)"}),e.jsx(a,{children:"Lower coverage due to high cost"})]})]})]})}),e.jsxs("div",{className:"mt-8 prose prose-slate max-w-none",children:[e.jsxs("p",{className:"text-muted-foreground",children:["Term life insurance is the most popular choice for Alabama and Georgia families, with approximately ",e.jsx("strong",{children:"54% of life insurance owners"})," carrying only term coverage. It provides maximum protection during the years when your family depends on your income most—while paying the mortgage, raising children, and building retirement savings. A 20-year or 30-year term typically aligns with major obligations, covering you until the mortgage is paid and children are financially independent."]}),e.jsx("p",{className:"text-muted-foreground",children:"Whole life insurance makes sense for specific situations: estate planning needs, desire for permanent coverage regardless of future insurability, or using the cash value component as a financial asset. The cash value grows tax-deferred and can be borrowed against for major expenses. However, the significantly higher cost means many families choose smaller coverage amounts with whole life, potentially leaving gaps in protection during critical years."})]}),e.jsx("div",{className:"text-center mt-8",children:e.jsx(l,{size:"lg",asChild:!0,children:e.jsx(i,{to:"/#quote-form",children:"Get Quote"})})})]})}),e.jsx("section",{className:"py-12",children:e.jsxs("div",{className:"container max-w-5xl",children:[e.jsx("h2",{className:"text-2xl md:text-3xl lg:text-4xl font-bold mb-6 text-center",children:"What Factors Affect My Life Insurance Cost?"}),e.jsx("div",{className:"prose prose-slate max-w-none mb-8",children:e.jsx("p",{className:"text-lg text-muted-foreground",children:"Several factors determine your life insurance premium, with age and health being the most significant. Life insurance rates don't vary by state—a 35-year-old in Alabama pays the same as a 35-year-old in Georgia for identical coverage (assuming similar health profiles). The insurance company's risk assessment drives pricing."})}),e.jsxs("div",{className:"grid md:grid-cols-2 gap-6",children:[e.jsxs(s,{className:"h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0 mb-3",children:e.jsx(P,{className:"h-6 w-6 text-white"})}),e.jsx(t,{children:"Age Impact"})]}),e.jsxs(r,{children:[e.jsxs("p",{className:"text-muted-foreground mb-4",children:["Age is the strongest predictor of cost. A healthy 30-year-old might pay $25/month for $500,000 in 20-year term coverage. The same person waiting until age 40 will pay approximately $35/month—a ",e.jsx("strong",{children:"40% increase"}),". At age 50, that coverage costs around $75/month, ",e.jsx("strong",{children:"three times the age-30 rate"}),"."]}),e.jsx("p",{className:"text-sm text-muted-foreground",children:"This exponential increase makes purchasing life insurance younger significantly more cost-effective, even if you don't think you need it yet."})]})]}),e.jsxs(s,{className:"h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0 mb-3",children:e.jsx(w,{className:"h-6 w-6 text-white"})}),e.jsx(t,{children:"Health Factors"})]}),e.jsxs(r,{children:[e.jsxs("p",{className:"text-muted-foreground mb-4",children:["Health dramatically impacts rates. Conditions like controlled diabetes, high blood pressure, or past cancer treatment typically increase premiums but don't necessarily disqualify you. ",e.jsx("strong",{children:"Smoking status"})," creates the largest single premium difference—smokers and tobacco users pay ",e.jsx("strong",{children:"2-3 times more"})," than non-smokers."]}),e.jsx("p",{className:"text-sm text-muted-foreground",children:"A non-smoker paying $30/month for coverage might see rates jump to $75-90/month as a smoker. Quitting smoking can qualify you for non-smoker rates after typically 12 months tobacco-free."})]})]}),e.jsxs(s,{className:"h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0 mb-3",children:e.jsx(b,{className:"h-6 w-6 text-white"})}),e.jsx(t,{children:"Coverage Amount"})]}),e.jsx(r,{children:e.jsxs("p",{className:"text-muted-foreground",children:["Coverage amount affects cost, but not proportionally. Doubling your coverage from $250,000 to $500,000 doesn't double the premium—the increase is typically ",e.jsx("strong",{children:"60-80%"}),". This relatively modest increase often makes higher coverage amounts worthwhile investments for comprehensive family protection."]})})]}),e.jsxs(s,{className:"h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0 mb-3",children:e.jsx(T,{className:"h-6 w-6 text-white"})}),e.jsx(t,{children:"Term Length"})]}),e.jsx(r,{children:e.jsxs("p",{className:"text-muted-foreground",children:["Term length also affects cost. Extending from a 20-year to 30-year term adds roughly ",e.jsx("strong",{children:"20-30% to the premium"}),". For example, if a 20-year term costs $30/month, a 30-year term might cost $36-39/month. The modest increase can provide valuable extended protection as family obligations evolve."]})})]})]})]})}),e.jsx("section",{className:"py-12 bg-background",children:e.jsxs("div",{className:"container max-w-5xl",children:[e.jsx("h3",{className:"text-xl md:text-2xl font-bold text-center mb-8",children:"Coverage Needs by Community and Income Level"}),e.jsxs("div",{className:"prose prose-slate max-w-none space-y-4 mb-8",children:[e.jsxs("p",{className:"text-muted-foreground",children:["Life insurance needs across our service territory reflect each county's economic character, family demographics, and income levels that shape coverage requirements. ",e.jsx("strong",{children:"Jefferson County"})," presents Alabama's most diverse life insurance market—Birmingham's professionals in banking, healthcare, and technology sectors often carry substantial term life coverage ($500,000-$1,000,000 policies) to protect families in neighborhoods where median home values exceed $250,000 and dual-income households support private school tuition and lifestyle expenses. Conversely, working-class families in Birmingham's outer neighborhoods seek more modest coverage ($100,000-$250,000 term policies) focused on mortgage protection and replacing lost income for dependents."]}),e.jsx("p",{className:"text-muted-foreground",children:"UAB's massive medical complex employs thousands of physicians, nurses, and healthcare administrators—many carrying group life insurance through employers but needing supplemental individual policies to adequately protect families. Birmingham's suburbs (Hoover, Vestavia Hills, Trussville) feature financially sophisticated residents who understand the value of permanent life insurance for estate planning and creating tax-advantaged wealth transfer. Jefferson County's economic diversity means we write everything from $25,000 final expense policies for seniors to $2,000,000 term policies for young executives."}),e.jsxs("p",{className:"text-muted-foreground",children:[e.jsx("strong",{children:"Tuscaloosa County"})," brings unique dynamics from the University of Alabama's presence. Faculty and staff often need life insurance to supplement university-provided group coverage, ensuring adequate protection for spouses and children. Young families in Tuscaloosa's suburbs—many with University connections—typically seek term life insurance during peak earning years when mortgage debt and childcare expenses create maximum financial vulnerability. The county's median household income around $50,000-$55,000 suggests term life policies in the $250,000-$500,000 range provide appropriate coverage for most families, replacing 5-10 years of income to allow surviving spouses time to adjust financially."]}),e.jsxs("p",{className:"text-muted-foreground",children:[e.jsx("strong",{children:"Cherokee County"})," reflects rural Alabama's life insurance landscape—modest incomes (median household income around $45,000), high homeownership (75%), and strong family ties mean life insurance often focuses on covering final expenses, paying off property, and leaving something for children. Whole life and final expense policies (typically $10,000-$50,000) are popular among Cherokee County's older residents, while younger families with mortgages seek term coverage matching their home loans ($100,000-$200,000 policies). The county's agricultural character means some farmers carry larger policies to ensure family farms can continue operating if the primary breadwinner dies—succession planning often involves life insurance to equalize inheritances among children who do and don't farm."]}),e.jsxs("p",{className:"text-muted-foreground",children:[e.jsx("strong",{children:"Etowah County"})," (Gadsden) serves working-class families where manufacturing employment at plants like Goodyear Tire historically provided group life insurance benefits. As traditional manufacturing declines, more Etowah residents need individual coverage. Median household incomes around $45,000-$48,000 suggest term life policies of $200,000-$400,000 provide meaningful protection without breaking family budgets. ",e.jsx("strong",{children:"Madison County"})," (Huntsville) presents a different profile—aerospace engineers, defense contractors, and NASA employees often carry substantial coverage ($500,000-$1,500,000 policies) reflecting higher incomes and sophisticated financial planning."]}),e.jsxs("p",{className:"text-muted-foreground",children:["Georgia's counties show similar economic gradients. ",e.jsx("strong",{children:"Fulton County"})," (Atlanta) features the state's highest concentration of high-net-worth individuals—Buckhead executives, Midtown professionals, and Sandy Springs tech workers often need $1,000,000+ term life policies or permanent insurance for estate tax planning. Atlanta's cost of living and high home values mean even middle-class families in Fulton need substantial coverage—a family with a $400,000 mortgage, two kids in daycare, and $80,000 combined income might need $750,000-$1,000,000 in term life insurance to truly protect against breadwinner loss."]}),e.jsxs("p",{className:"text-muted-foreground",children:[e.jsx("strong",{children:"Gwinnett County"})," represents suburban family life insurance needs—dual-income households, median incomes around $70,000-$75,000, newer mortgages, and children in Gwinnett's well-regarded schools all drive term life insurance demand. Policies of $500,000 per spouse are common, often purchased in the 30-40 age range when health allows excellent rates and family obligations peak. ",e.jsx("strong",{children:"Cobb County"})," mirrors Gwinnett's demographics with added concentrations of professionals working at the Battery Atlanta, Truist Park area employers, and Marietta's business district."]}),e.jsxs("p",{className:"text-muted-foreground",children:[e.jsx("strong",{children:"Floyd County"})," (Rome) maintains small-city life insurance patterns—median household income around $52,000, mix of manufacturing and healthcare employment, and strong family orientation mean term life coverage of $250,000-$500,000 serves most families appropriately. Berry College faculty, Redmond Regional Medical Center staff, and local business owners often seek permanent life insurance for wealth accumulation alongside protection. ",e.jsx("strong",{children:"DeKalb"})," and ",e.jsx("strong",{children:"Bartow"})," counties each contribute their own income levels and coverage patterns to metro Atlanta's diverse life insurance market."]})]}),e.jsxs("div",{className:"prose prose-slate max-w-none space-y-4",children:[e.jsxs("p",{className:"text-muted-foreground",children:["ZIP code-level income and demographic data reveal specific life insurance coverage patterns. Birmingham's ",e.jsx("strong",{children:"35242"})," (Hoover/Greystone/Chapel Hills) features median household incomes around $85,000-$95,000, high homeownership (75%+), and families with children—prime life insurance territory. Residents here typically carry $500,000-$1,000,000 term life policies, often both spouses insured given dual-income households. The ZIP code's affluence also creates demand for permanent life insurance (whole life, universal life) as estate planning tools and college funding vehicles. A healthy 35-year-old couple in 35242 might secure $500,000 of 20-year term coverage each for around $50-$75/month combined—protecting their $350,000 mortgage, children's future education, and family lifestyle."]}),e.jsxs("p",{className:"text-muted-foreground",children:[e.jsx("strong",{children:"35215"})," (northeast Birmingham near Roebuck/Center Point) shows different patterns—median household income around $45,000-$50,000, more working-class employment, and families often need life insurance but face tighter budgets. Here we emphasize affordable term coverage—$100,000-$250,000 policies providing mortgage protection and income replacement for 3-5 years, often available for $25-$40/month depending on age and health. Final expense whole life policies ($10,000-$25,000) are popular among older residents ensuring funeral costs don't burden children. ",e.jsx("strong",{children:"35173"})," (Trussville) combines family demographics with strong incomes (median $85,000+), creating demand similar to Hoover—$500,000-$750,000 term policies are standard for parents in their 30s and 40s."]}),e.jsxs("p",{className:"text-muted-foreground",children:["Montgomery's ",e.jsx("strong",{children:"36117"})," (EastChase/Deer Creek area) serves middle-to-upper-middle-class families, Maxwell Air Force Base personnel, and state government employees. Military families often carry substantial SGLI coverage through the VA but need supplemental individual policies for spouses and to maintain coverage after separation from service. Civilian families in this ZIP code typically seek $300,000-$600,000 term coverage matching mortgages and income replacement needs."]}),e.jsxs("p",{className:"text-muted-foreground",children:[e.jsx("strong",{children:"35960"})," (Centre in Cherokee County) reflects rural life insurance economics—median household income around $42,000-$45,000, high homeownership but modest home values (median $176,000), and coverage needs focused on mortgage protection and final expenses. Term life policies of $100,000-$200,000 serve most families, with permanent life insurance (whole life $15,000-$50,000) popular among older residents for guaranteed final expense coverage. A 40-year-old Centre resident might secure $150,000 of term coverage for $30-$35/month, enough to pay off their home and provide 3-4 years of income replacement."]}),e.jsxs("p",{className:"text-muted-foreground",children:["Georgia's ",e.jsx("strong",{children:"30044"})," and ",e.jsx("strong",{children:"30043"})," (Lawrenceville/Snellville in Gwinnett County) represent prime life insurance markets—median household incomes $65,000-$75,000, high percentages of families with children, significant mortgages on homes valued $280,000-$320,000, and strong employment in professional and technical fields. Typical coverage here runs $400,000-$750,000 per working spouse, often purchased as 20-30 year level term to cover mortgage duration and children's dependency years. Healthy 35-year-olds in Gwinnett can secure $500,000 of 25-year term for approximately $25-$35/month (males) or $20-$28/month (females)—making adequate protection remarkably affordable."]}),e.jsxs("p",{className:"text-muted-foreground",children:["Atlanta's ",e.jsx("strong",{children:"30349"})," (College Park/airport area) shows more working-class life insurance patterns—service industry employment, median incomes around $45,000-$50,000, mix of renters and homeowners, and coverage needs focused on basic income replacement and final expenses. Term policies of $100,000-$300,000 serve many families here, with whole life final expense policies popular among older residents. ",e.jsx("strong",{children:"30303"})," (downtown Atlanta) features young urban professionals—many single or newly married—who are prime candidates for convertible term life insurance that can later shift to permanent coverage as wealth accumulates."]}),e.jsxs("p",{className:"text-muted-foreground",children:[e.jsx("strong",{children:"30161"})," (Rome in Floyd County) reflects small-city demographics—median household income around $48,000-$52,000, mix of manufacturing workers, healthcare employees, and college staff, and life insurance needs centered on mortgage protection ($150,000-$300,000 term policies) and family income replacement. Berry College faculty often seek permanent life insurance as forced savings vehicles complementing TIAA retirement plans. ",e.jsx("strong",{children:"30120"})," (Cartersville in Bartow County) serves I-75 corridor families with coverage needs similar to Gwinnett but slightly lower income levels—$250,000-$500,000 term policies are standard for working families."]}),e.jsx("p",{className:"text-muted-foreground",children:"Across all locations, term life insurance delivers exceptional value during peak earning years—a $500,000 20-year term policy for a healthy 35-year-old often costs $25-$40/month, providing massive leverage that protects families against devastating financial loss. Permanent life insurance serves different needs—final expense coverage for seniors, estate planning for affluent families, and wealth accumulation vehicles for those maxing out retirement account contributions. Our local knowledge helps match coverage types and amounts to each family's specific economic situation, ensuring adequate protection without overinsuring."})]})]})}),e.jsx("section",{className:"py-12 bg-muted/30",children:e.jsxs("div",{className:"container max-w-5xl",children:[e.jsx("h2",{className:"text-2xl md:text-3xl lg:text-4xl font-bold mb-6 text-center",children:"Life Insurance for Seniors in Alabama & Georgia"}),e.jsx("div",{className:"prose prose-slate max-w-none mb-8",children:e.jsx("p",{className:"text-lg text-muted-foreground",children:"If you're over 50, 60, or even 70, life insurance is still available and often more affordable than you'd expect. Many seniors in AL and GA choose burial insurance or final expense coverage to ensure their families aren't burdened with end-of-life costs."})}),e.jsxs("div",{className:"grid md:grid-cols-3 gap-6",children:[e.jsxs(s,{className:"h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0 mb-3",children:e.jsx(w,{className:"h-6 w-6 text-white"})}),e.jsx(t,{children:"Final Expense / Burial Insurance"})]}),e.jsxs(r,{children:[e.jsxs("p",{className:"text-muted-foreground mb-4",children:["Smaller policies ($5,000-25,000) designed specifically to cover funeral costs, outstanding medical bills, and other end-of-life expenses. Average funeral costs in Alabama and Georgia range from ",e.jsx("strong",{children:"$7,000-$12,000"}),", making a $10,000-$15,000 policy a practical choice."]}),e.jsxs("p",{className:"text-sm text-muted-foreground",children:[e.jsx("strong",{children:"Premiums:"})," $30-50/mo at age 50, $50-80/mo at age 60, $80-130/mo at age 70"]})]})]}),e.jsxs(s,{className:"h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0 mb-3",children:e.jsx(k,{className:"h-6 w-6 text-white"})}),e.jsx(t,{children:"Guaranteed Issue Life Insurance"})]}),e.jsxs(r,{children:[e.jsx("p",{className:"text-muted-foreground mb-4",children:"No health questions, no medical exam, guaranteed approval regardless of health conditions. Coverage amounts are typically limited ($5,000-25,000), and there may be a 2-year waiting period for full benefits."}),e.jsxs("p",{className:"text-sm text-muted-foreground",children:[e.jsx("strong",{children:"Ideal for:"})," Those with serious health issues who've been declined elsewhere"]})]})]}),e.jsxs(s,{className:"h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0 mb-3",children:e.jsx(j,{className:"h-6 w-6 text-white"})}),e.jsx(t,{children:"Simplified Issue Life Insurance"})]}),e.jsxs(r,{children:[e.jsx("p",{className:"text-muted-foreground mb-4",children:"A few health questions but no medical exam required. Faster approval than fully underwritten policies with higher coverage limits than guaranteed issue options."}),e.jsxs("p",{className:"text-sm text-muted-foreground",children:[e.jsx("strong",{children:"Approval time:"})," Often within 24-48 hours"]})]})]})]}),e.jsx("p",{className:"text-center text-muted-foreground mt-8",children:"Whether you're in Birmingham planning for retirement or on the Gulf Coast enjoying your golden years, we help seniors find appropriate burial insurance and final expense coverage without overpaying."})]})}),e.jsx("section",{className:"py-12",children:e.jsxs("div",{className:"container max-w-5xl",children:[e.jsx("h2",{className:"text-2xl md:text-3xl lg:text-4xl font-bold mb-6 text-center",children:"Life Insurance for Young Families"}),e.jsx("div",{className:"prose prose-slate max-w-none mb-8",children:e.jsx("p",{className:"text-lg text-muted-foreground",children:"New parents and young families in Georgia's growing suburbs and Alabama's family-friendly communities have unique life insurance needs. When you're raising children, your coverage should account for multiple financial obligations."})}),e.jsxs("div",{className:"grid md:grid-cols-2 gap-6 mb-8",children:[e.jsxs(s,{className:"h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0 mb-3",children:e.jsx(b,{className:"h-6 w-6 text-white"})}),e.jsx(t,{children:"Income Replacement"})]}),e.jsx(r,{children:e.jsxs("p",{className:"text-muted-foreground",children:["If something happens to you, how many years of income does your family need? Many advisors recommend ",e.jsx("strong",{children:"10-12x your annual salary"}),". A $60,000 income suggests $600,000-$720,000 in coverage."]})})]}),e.jsxs(s,{className:"h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0 mb-3",children:e.jsx(D,{className:"h-6 w-6 text-white"})}),e.jsx(t,{children:"Mortgage Protection"})]}),e.jsx(r,{children:e.jsx("p",{className:"text-muted-foreground",children:"Enough coverage to pay off your home so your family can stay in place. Average mortgages in AL and GA range from $200,000-$350,000—factor this into your coverage amount."})})]}),e.jsxs(s,{className:"h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0 mb-3",children:e.jsx(z,{className:"h-6 w-6 text-white"})}),e.jsx(t,{children:"Education Funding"})]}),e.jsx(r,{children:e.jsx("p",{className:"text-muted-foreground",children:"College costs continue rising—$50,000-$100,000 for in-state 4-year degrees in Alabama and Georgia. Life insurance can ensure your children's education is funded regardless of what happens."})})]}),e.jsxs(s,{className:"h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0 mb-3",children:e.jsx(E,{className:"h-6 w-6 text-white"})}),e.jsx(t,{children:"Childcare Costs"})]}),e.jsx(r,{children:e.jsx("p",{className:"text-muted-foreground",children:"If a stay-at-home parent passes, the surviving spouse may need to pay for childcare—averaging $800-1,200/month per child in AL and GA. Life insurance helps cover this unexpected expense."})})]})]}),e.jsx("div",{className:"bg-accent/10 border border-accent/30 rounded-lg p-6 text-center",children:e.jsxs("p",{className:"text-lg text-foreground",children:[e.jsx("strong",{children:"Term life insurance"})," is often the best fit for young families—it provides maximum coverage at the lowest cost during your highest-need years. A healthy 30-year-old can often get ",e.jsx("strong",{children:"$500,000 in 20-year term coverage for $25-35/month"}),"."]})})]})}),e.jsx("section",{className:"py-12 bg-muted/30",children:e.jsxs("div",{className:"container max-w-5xl",children:[e.jsx("h2",{className:"text-2xl md:text-3xl lg:text-4xl font-bold mb-6 text-center",children:"No Medical Exam Life Insurance Options"}),e.jsx("div",{className:"prose prose-slate max-w-none mb-8",children:e.jsx("p",{className:"text-lg text-muted-foreground text-center",children:"Don't want to deal with a medical exam? Several life insurance options are available without needles, lab work, or doctor visits for AL and GA residents."})}),e.jsxs("div",{className:"grid md:grid-cols-3 gap-6 mb-8",children:[e.jsxs(s,{className:"h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0 mb-3",children:e.jsx(j,{className:"h-6 w-6 text-white"})}),e.jsx(t,{children:"Simplified Issue"})]}),e.jsxs(r,{children:[e.jsx("p",{className:"text-muted-foreground mb-4",children:"Answer a few health questions on the application, but no physical exam required. Approval in days rather than weeks. Coverage up to $500,000+ available for healthy applicants."}),e.jsxs("p",{className:"text-sm text-muted-foreground",children:[e.jsx("strong",{children:"Best for:"})," Healthy individuals wanting fast approval"]})]})]}),e.jsxs(s,{className:"h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0 mb-3",children:e.jsx(k,{className:"h-6 w-6 text-white"})}),e.jsx(t,{children:"Guaranteed Issue"})]}),e.jsxs(r,{children:[e.jsx("p",{className:"text-muted-foreground mb-4",children:"No health questions, no exam, guaranteed approval regardless of health conditions. Ideal for those with serious health issues who've been declined elsewhere. Coverage typically limited to $25,000 with a 2-year graded benefit period."}),e.jsxs("p",{className:"text-sm text-muted-foreground",children:[e.jsx("strong",{children:"Best for:"})," Those with significant health conditions"]})]})]}),e.jsxs(s,{className:"h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0 mb-3",children:e.jsx(v,{className:"h-6 w-6 text-white"})}),e.jsx(t,{children:"Accelerated Underwriting"})]}),e.jsxs(r,{children:[e.jsx("p",{className:"text-muted-foreground mb-4",children:"Some carriers use data and algorithms to approve healthy applicants without an exam. If you're young and healthy, you may qualify for full coverage at standard rates without any medical requirements."}),e.jsxs("p",{className:"text-sm text-muted-foreground",children:[e.jsx("strong",{children:"Best for:"})," Young, healthy individuals seeking competitive rates"]})]})]})]}),e.jsx("div",{className:"bg-amber-50 border border-amber-200 rounded-lg p-6 text-center",children:e.jsxs("p",{className:"text-muted-foreground",children:[e.jsx("strong",{children:"Trade-off:"})," No-exam policies are convenient but may cost 10-20% more than fully underwritten coverage. For many people—especially those in good health—completing a medical exam results in lower premiums. We'll help you weigh the tradeoffs."]})})]})}),e.jsx("section",{className:"py-12",children:e.jsxs("div",{className:"container max-w-5xl",children:[e.jsx("h2",{className:"text-2xl md:text-3xl lg:text-4xl font-bold mb-6 text-center",children:"How Do I Apply for Life Insurance?"}),e.jsxs("div",{className:"grid md:grid-cols-3 gap-6",children:[e.jsxs(s,{className:"h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0 mb-3",children:e.jsx(j,{className:"h-6 w-6 text-white"})}),e.jsx(t,{children:"Traditional Process"})]}),e.jsxs(r,{children:[e.jsx("p",{className:"text-muted-foreground mb-4",children:"Complete a detailed health questionnaire covering medical history, current conditions, medications, lifestyle factors, and family health history. Most applicants undergo a basic medical exam at no cost—a paramedical examiner visits your home or office."}),e.jsxs("p",{className:"text-sm text-muted-foreground",children:[e.jsx("strong",{children:"Timeline:"})," Typically 4-8 weeks from application to approval"]})]})]}),e.jsxs(s,{className:"h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0 mb-3",children:e.jsx(v,{className:"h-6 w-6 text-white"})}),e.jsx(t,{children:"No-Exam Policies"})]}),e.jsxs(r,{children:[e.jsx("p",{className:"text-muted-foreground mb-4",children:"Simplified issue policies use health questions without requiring medical exams. Coverage decisions often made within 24-48 hours. No-exam policies typically cover amounts up to $250,000-$500,000."}),e.jsxs("p",{className:"text-sm text-muted-foreground",children:[e.jsx("strong",{children:"Trade-off:"})," Approximately 10-20% higher premiums than traditional underwritten policies"]})]})]}),e.jsxs(s,{className:"h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:[e.jsxs(n,{children:[e.jsx("div",{className:"w-12 h-12 rounded-full bg-primary shadow-md flex items-center justify-center flex-shrink-0 mb-3",children:e.jsx(T,{className:"h-6 w-6 text-white"})}),e.jsx(t,{children:"Accelerated Underwriting"})]}),e.jsxs(r,{children:[e.jsx("p",{className:"text-muted-foreground mb-4",children:"Some insurers now offer accelerated underwriting using electronic health records and predictive analytics, potentially eliminating the need for exams while maintaining competitive pricing."}),e.jsxs("p",{className:"text-sm text-muted-foreground",children:[e.jsx("strong",{children:"Best of both worlds:"})," Traditional pricing with no-exam convenience—though not available for everyone or all coverage amounts"]})]})]})]})]})}),e.jsx("section",{className:"py-12",children:e.jsxs("div",{className:"container max-w-4xl",children:[e.jsx("h2",{className:"text-2xl md:text-3xl lg:text-4xl font-bold mb-8 text-center",children:"Life Insurance Questions Answered"}),e.jsxs(U,{type:"single",collapsible:!0,className:"w-full space-y-4",children:[e.jsxs(d,{value:"item-1",className:"bg-background border-2 rounded-lg px-6 data-[state=open]:shadow-md transition-shadow",children:[e.jsx(m,{className:"text-left hover:no-underline py-5",children:e.jsx("span",{className:"font-semibold text-lg pr-4",children:"How much life insurance coverage do I need?"})}),e.jsx(h,{className:"text-muted-foreground pb-5 leading-relaxed",children:"Financial experts recommend 5-10 times your annual income in life insurance coverage. For example, if you earn $60,000 annually, you should consider $300,000-$600,000 in coverage. This ensures your family can replace your income, pay off debts (including mortgages averaging $250,000 in Alabama and Georgia), cover funeral expenses ($7,000-$10,000), and fund children's education. Stay-at-home parents should also carry coverage to replace childcare, housekeeping, and other services they provide."})]}),e.jsxs(d,{value:"item-2",className:"bg-background border-2 rounded-lg px-6 data-[state=open]:shadow-md transition-shadow",children:[e.jsx(m,{className:"text-left hover:no-underline py-5",children:e.jsx("span",{className:"font-semibold text-lg pr-4",children:"What's the difference between term and whole life insurance?"})}),e.jsx(h,{className:"text-muted-foreground pb-5 leading-relaxed",children:"Term life insurance covers you for a specific period (10, 20, or 30 years) and costs significantly less—about $20-30/month for $500,000 coverage for a healthy 30-year-old. Whole life insurance provides lifelong coverage and includes a cash value component that grows over time, but costs much more—typically $200-300/month for the same coverage. Most families choose term life for its affordability and high coverage amounts during working years when protection is most critical."})]}),e.jsxs(d,{value:"item-3",className:"bg-background border-2 rounded-lg px-6 data-[state=open]:shadow-md transition-shadow",children:[e.jsx(m,{className:"text-left hover:no-underline py-5",children:e.jsx("span",{className:"font-semibold text-lg pr-4",children:"How much does life insurance cost in Alabama and Georgia?"})}),e.jsx(h,{className:"text-muted-foreground pb-5 leading-relaxed",children:"Life insurance rates don't vary by state—they're based on age, health, coverage amount, and term length. A healthy 30-year-old can get $500,000 in 20-year term coverage for approximately $25/month. At age 40, the same coverage costs around $35/month, and at age 50, about $75/month. Whole life insurance costs significantly more—$200-300/month for $500,000 coverage for a 30-year-old. Rates increase with age and health conditions like smoking (smokers pay 2-3 times more than non-smokers)."})]}),e.jsxs(d,{value:"item-4",className:"bg-background border-2 rounded-lg px-6 data-[state=open]:shadow-md transition-shadow",children:[e.jsx(m,{className:"text-left hover:no-underline py-5",children:e.jsx("span",{className:"font-semibold text-lg pr-4",children:"Do I need a medical exam for life insurance?"})}),e.jsx(h,{className:"text-muted-foreground pb-5 leading-relaxed",children:"Traditional life insurance policies typically require a medical exam, which includes basic measurements (height, weight, blood pressure) and sometimes blood/urine tests. However, no-exam life insurance policies are available for smaller coverage amounts (usually up to $250,000-$500,000) with simplified underwriting based on health questions. No-exam policies cost slightly more but offer faster approval—often within 24-48 hours instead of several weeks."})]}),e.jsxs(d,{value:"item-5",className:"bg-background border-2 rounded-lg px-6 data-[state=open]:shadow-md transition-shadow",children:[e.jsx(m,{className:"text-left hover:no-underline py-5",children:e.jsx("span",{className:"font-semibold text-lg pr-4",children:"Should stay-at-home parents have life insurance?"})}),e.jsx(h,{className:"text-muted-foreground pb-5 leading-relaxed",children:"Absolutely. Stay-at-home parents provide valuable services including childcare, housekeeping, cooking, transportation, and household management. Replacing these services costs an estimated $60,000-$80,000 annually in Alabama and Georgia. Financial experts recommend $300,000-$500,000 in coverage for stay-at-home parents to ensure the surviving parent can afford childcare, household help, and maintain family stability. Term life insurance for this coverage level typically costs $20-30/month."})]}),e.jsxs(d,{value:"item-6",className:"bg-background border-2 rounded-lg px-6 data-[state=open]:shadow-md transition-shadow",children:[e.jsx(m,{className:"text-left hover:no-underline py-5",children:e.jsx("span",{className:"font-semibold text-lg pr-4",children:"Can I get life insurance if I have health conditions?"})}),e.jsx(h,{className:"text-muted-foreground pb-5 leading-relaxed",children:"Yes. While serious health conditions increase premiums, most people can qualify for life insurance. Common conditions like controlled diabetes, high blood pressure, or past cancer treatment may result in higher rates but don't necessarily disqualify you. Guaranteed issue policies are available for those with significant health issues—these policies don't require medical questions or exams, though they cost more and have lower coverage limits. We help find the best options for your specific health situation."})]}),e.jsxs(d,{value:"item-7",className:"bg-background border-2 rounded-lg px-6 data-[state=open]:shadow-md transition-shadow",children:[e.jsx(m,{className:"text-left hover:no-underline py-5",children:e.jsx("span",{className:"font-semibold text-lg pr-4",children:"What happens if I outlive my term life insurance policy?"})}),e.jsx(h,{className:"text-muted-foreground pb-5 leading-relaxed",children:"When your term life insurance policy expires (after 10, 20, or 30 years), coverage simply ends and you stop paying premiums. This is actually the ideal outcome—it means you're alive and healthy. At that point, many people no longer need life insurance because their mortgage is paid off, children are financially independent, and retirement savings are established. If you still need coverage, you can purchase a new policy, though premiums will be higher due to increased age."})]}),e.jsxs(d,{value:"item-8",className:"bg-background border-2 rounded-lg px-6 data-[state=open]:shadow-md transition-shadow",children:[e.jsx(m,{className:"text-left hover:no-underline py-5",children:e.jsx("span",{className:"font-semibold text-lg pr-4",children:"How quickly can I get life insurance coverage?"})}),e.jsx(h,{className:"text-muted-foreground pb-5 leading-relaxed",children:"Coverage speed depends on the policy type. No-exam simplified issue policies can be approved within 24-48 hours with coverage starting immediately. Traditional policies requiring medical exams typically take 4-8 weeks—scheduling the exam, processing lab results, and underwriting review all add time. Some insurers offer accelerated underwriting using electronic health records, potentially reducing approval time to 1-2 weeks even with full underwriting."})]})]})]})}),e.jsx("section",{className:"py-16",children:e.jsxs("div",{className:"container max-w-5xl",children:[e.jsx("h2",{className:"text-2xl md:text-3xl lg:text-4xl font-bold mb-8 text-center",children:"What Our Clients Say"}),e.jsx("div",{className:"grid md:grid-cols-3 gap-6 mb-8",children:J.map((c,u)=>e.jsx(s,{className:"bg-white h-full flex flex-col border border-gray-200 shadow-sm hover:shadow-md hover:shadow-[0_0_15px_rgba(34,197,94,0.3)] hover:-translate-y-1 transition-all duration-200",children:e.jsxs(r,{className:"pt-6 flex flex-col h-full",children:[e.jsx("div",{className:"flex gap-1 mb-4",children:[...Array(5)].map((X,F)=>e.jsx(K,{className:"h-5 w-5 text-yellow-400 fill-yellow-400"},F))}),e.jsxs("p",{className:"text-muted-foreground mb-4 leading-relaxed flex-grow",children:['"',c.text,'"']}),e.jsxs("div",{className:"mt-auto",children:[e.jsx("p",{className:"font-semibold text-foreground",children:c.name}),e.jsx("p",{className:"text-sm text-muted-foreground",children:c.location})]})]})},u))}),e.jsx("div",{className:"text-center",children:e.jsx(l,{variant:"outline",asChild:!0,children:e.jsx(i,{to:"/reviews",children:"Read All Reviews"})})})]})}),e.jsx(Y,{excludeService:"life"}),e.jsx("section",{className:"py-16 px-4",children:e.jsxs("div",{className:"container mx-auto max-w-6xl",children:[e.jsx("div",{className:"text-center mb-12",children:e.jsx("h2",{className:"text-2xl md:text-3xl lg:text-4xl font-bold mb-4",children:"Life Insurance Across AL & GA"})}),e.jsx("div",{className:"prose prose-slate max-w-none mb-8",children:e.jsx("p",{className:"text-muted-foreground text-center",children:"We serve families across Alabama (AL)—including Jefferson County (Birmingham), Montgomery County, Mobile County, Madison County (Huntsville), Baldwin County (Gulf Shores), Cherokee County (Centre), and Tuscaloosa County—as well as Georgia (GA) communities in Fulton County (Atlanta), Gwinnett County, Cobb County, DeKalb County, Floyd County (Rome), and Bartow County (Cartersville)."})}),e.jsx("div",{className:"prose prose-slate max-w-none mb-8",children:e.jsx("p",{className:"text-muted-foreground text-center",children:"Our life insurance coverage extends to families in ZIP codes including 35242, 35215 (Birmingham area), 36117 (Montgomery), 36695 (Mobile), 35960 (Centre), 30161 (Rome), 30349 (Atlanta South), 30043 (Lawrenceville), 30120 (Cartersville), and communities throughout AL and GA."})}),e.jsxs("div",{className:"grid md:grid-cols-2 gap-6 mb-8",children:[e.jsxs("div",{className:"bg-gray-50 shadow-sm rounded-lg p-6",children:[e.jsxs("h3",{className:"text-xl font-bold mb-4 text-primary flex items-center gap-2",children:[e.jsx(N,{className:"h-5 w-5"}),"Alabama (AL)"]}),e.jsx("div",{className:"flex flex-wrap gap-3",children:S.map((c,u)=>e.jsx(i,{to:`/${c.slug}`,className:"px-4 py-2 bg-white rounded-full text-sm border border-primary text-primary hover:bg-primary hover:text-white transition-all duration-200",children:c.name},u))})]}),e.jsxs("div",{className:"bg-gray-50 shadow-sm rounded-lg p-6",children:[e.jsxs("h3",{className:"text-xl font-bold mb-4 text-primary flex items-center gap-2",children:[e.jsx(N,{className:"h-5 w-5"}),"Georgia (GA)"]}),e.jsx("div",{className:"flex flex-wrap gap-3",children:_.map((c,u)=>e.jsx(i,{to:`/${c.slug}`,className:"px-4 py-2 bg-white rounded-full text-sm border border-primary text-primary hover:bg-primary hover:text-white transition-all duration-200",children:c.name},u))})]})]}),e.jsxs("p",{className:"text-center text-muted-foreground",children:["Don't see your city? ",e.jsx(i,{to:"/contact",className:"text-primary font-semibold hover:underline",children:"Contact us"})," — we serve all of AL and GA."]})]})}),e.jsx("section",{className:"py-12 bg-muted/30",children:e.jsxs("div",{className:"container max-w-4xl text-center",children:[e.jsx("h2",{className:"text-2xl md:text-3xl lg:text-4xl font-bold mb-4",children:"Learn More About Life Insurance"}),e.jsx("p",{className:"text-lg text-muted-foreground mb-6",children:"Trying to decide between term and whole life insurance? Wondering which policy type fits your situation? Read our comprehensive guide."}),e.jsx(l,{size:"lg",variant:"outline",asChild:!0,children:e.jsx(i,{to:"/learn/life-insurance-guide",children:"Term vs Whole Life: Which Is Right for You? →"})}),e.jsx("p",{className:"text-muted-foreground mt-4",children:"We break down the differences, explain cash value, and help you understand which approach makes sense for your family's needs and budget."})]})}),e.jsx("section",{className:"py-12",children:e.jsxs("div",{className:"container max-w-5xl",children:[e.jsx("h2",{className:"text-2xl md:text-3xl lg:text-4xl font-bold mb-6 text-center",children:"Protect Your Whole Family"}),e.jsx("p",{className:"text-lg text-muted-foreground text-center mb-8",children:"Life insurance is one piece of a complete protection plan for Alabama and Georgia families. Explore our other coverage options and ask about bundling multiple policies to save."}),e.jsxs("div",{className:"flex flex-wrap justify-center gap-4",children:[e.jsx(l,{variant:"outline",asChild:!0,children:e.jsx(i,{to:"/services/home-insurance",children:"Home Insurance →"})}),e.jsx(l,{variant:"outline",asChild:!0,children:e.jsx(i,{to:"/services/auto-insurance",children:"Auto Insurance →"})}),e.jsx(l,{variant:"outline",asChild:!0,children:e.jsx(i,{to:"/services/renters-insurance",children:"Renters Insurance →"})}),e.jsx(l,{variant:"outline",asChild:!0,children:e.jsx(i,{to:"/#quote-form",children:"Get a Quote →"})})]})]})}),e.jsx("section",{className:"py-16 px-4 bg-gradient-to-br from-primary to-primary-light",id:"quote-form",children:e.jsxs("div",{className:"container mx-auto max-w-4xl text-center",children:[e.jsx("h2",{className:"text-2xl md:text-3xl lg:text-4xl font-bold text-white mb-4",children:"Ready to protect your family for less than a daily coffee?"}),e.jsx("p",{className:"text-xl text-white/90 mb-8",children:"Get a quote that fits your family's needs"}),e.jsx(l,{size:"lg",className:"bg-accent text-accent-foreground hover:bg-accent-light text-lg px-8 py-6 h-auto shadow-md hover:shadow-lg hover:-translate-y-0.5 transition-all duration-200",asChild:!0,children:e.jsx(i,{to:"/#quote-form",children:"Get Quote"})}),e.jsxs("div",{className:"flex flex-wrap justify-center items-center gap-4 mt-4 text-sm text-white/90",children:[e.jsx("span",{children:"Or call us:"}),e.jsxs(f,{phone:"(256) 927-6287",phoneRaw:"2569276287",location:"Centre, AL",office:"centre",pageType:"service-life-cta",pageUrl:g.pathname,className:"flex items-center gap-1.5 hover:text-white transition-colors",ariaLabel:"Call Centre, Alabama office at (256) 927-6287",children:[e.jsx(p,{className:"h-4 w-4"}),"(256) 927-6287"]}),e.jsx("span",{className:"text-white/50",children:"|"}),e.jsxs(f,{phone:"(706) 784-6511",phoneRaw:"7067846511",location:"Rome, GA",office:"rome",pageType:"service-life-cta",pageUrl:g.pathname,className:"flex items-center gap-1.5 hover:text-white transition-colors",ariaLabel:"Call Rome, Georgia office at (706) 784-6511",children:[e.jsx(p,{className:"h-4 w-4"}),"(706) 784-6511"]})]}),e.jsxs("div",{className:"flex flex-wrap justify-center gap-x-6 gap-y-2 mt-6",children:[e.jsxs("span",{className:"flex items-center gap-1.5 text-sm text-white",children:[e.jsx(y,{className:"h-4 w-4"}),"Licensed in AL & GA"]}),e.jsxs("span",{className:"flex items-center gap-1.5 text-sm text-white",children:[e.jsx(y,{className:"h-4 w-4"}),"Hablamos Español"]}),e.jsxs("span",{className:"flex items-center gap-1.5 text-sm text-white",children:[e.jsx(y,{className:"h-4 w-4"}),"Family Owned"]}),e.jsxs("span",{className:"flex items-center gap-1.5 text-sm text-white",children:[e.jsx(y,{className:"h-4 w-4"}),"100+ Years Combined Experience"]})]})]})}),e.jsx(Q,{})]})};export{me as default};