- (404) 618-4418
- info@prettypennycapital.com
At Pretty Penny Capital, we believe that life insurance should be as unique as you are. Our policies are designed to fit your real-life needs, providing reliable coverage that grows with you, no matter your health, lifestyle, or stage of life. We’re here to offer you the protection you need, with the guidance and support you deserve.
Friendly, helpful, and straightforward. The team made everything so simple!
Policies that fit my lifestyle and give me peace of mind. Highly recommend!
At Pretty Penny Capital, we deliver tailored life insurance solutions that put people first—no matter their age, health, or stage in life.
To make life insurance simple, accessible, and inclusive for every individual—regardless of their health or background.
Term life insurance provides coverage for a set period—typically 10, 20, or 30 years. It’s often the most affordable life insurance option, with lower premiums compared to permanent policies. This type of coverage is ideal for temporary needs, like:
Covering your mortgage
Replacing income during your working years
Ensuring your children are supported until adulthood
If you pass away during the term, your beneficiaries receive the full payout. However, once the term ends, coverage stops unless renewed.
Permanent life insurance offers lifelong protection and builds cash value over time. As long as premiums are paid and no major withdrawals or loans are taken, the policy will pay out no matter when you pass away. It’s ideal for:
Estate planning
Leaving a legacy
Covering lifelong financial responsibilities
Though more expensive upfront, permanent life insurance is designed for long-term financial security and offers additional benefits like tax-deferred growth and loan options.
When it comes to life insurance, you need more than just a policy—you need a partner. At Pretty Penny Capital, we simplify the process, explain the fine print, and guide you to the plan that fits you.
We explain everything clearly
From child policies to high-risk coverage
We break things down, not talk over your head
Friendly, honest, and here when it counts
When choosing life insurance, it’s important to understand the two main types: Term Life Insurance and Permanent Life Insurance. Each serves a different purpose depending on your goals, budget, and stage of life.
Term life insurance provides coverage for a set period—typically 10, 20, or 30 years. It’s often the most affordable life insurance option, with lower premiums compared to permanent policies. This type of coverage is ideal for temporary needs, like:
Covering your mortgage
Replacing income during your working years
Ensuring your children are supported until adulthood
If you pass away during the term, your beneficiaries receive the full payout. However, once the term ends, coverage stops unless renewed.
Permanent life insurance offers lifelong protection and builds cash value over time. As long as premiums are paid and no major withdrawals or loans are taken, the policy will pay out no matter when you pass away. It’s ideal for:
Estate planning
Leaving a legacy
Covering lifelong financial responsibilities
Though more expensive upfront, permanent life insurance is designed for long-term financial security and offers additional benefits like tax-deferred growth and loan options.
Our comprehensive insurance services are designed to provide you with peace of mind, no matter your needs
Answer a few quick questions to see your personalized options—no pressure, no obligation.
Select a plan that fits your needs, budget, and lifestyle with help from our trusted advisors.
Enjoy a simple, streamlined application process—with options that may not require a medical exam.
Once approved, your policy is active—and you’ve got peace of mind for the road ahead.
Explore the standout features of our insurance plans, designed to offer you comprehensive protection, flexible options, and exceptional service
(404) 618-4418
info@prettypennycapital.com
Our life insurance services are built for real families across the South—compassionate, flexible, and tailored to your stage of life.
Protect your loved ones from funeral and end-of-life costs with fixed, guaranteed coverage.
Life insurance options tailored for smokers, vapers, and cannabis users—fair and flexible.
Get coverage even with diabetes, heart issues, or other health concerns—no automatic denials.
Explore our Frequently Asked Questions for quick answers on policies, claims, and coverage, helping you make informed insurance decisions.
With years of experience helping families across the Southeast, we bring personal care, product knowledge, and trusted guidance to every client we serve.
Whether it's early morning or after dinner, we’re available to help you navigate your coverage—on your terms.
We're here to explain—not sell. You’ll get straightforward advice to help you choose what’s truly right for you.
Not always. We work with providers that offer no-medical-exam policies, especially for final expense, guaranteed issue, and some term life plans. We’ll help you find an option that fits your health profile and budget.
A whole life or term life policy can help protect your child’s future and cover expenses if something happens to you. We also offer children’s whole life insurance, which builds value as they grow.
Yes. We offer options for people with pre-existing conditions like diabetes, high blood pressure, or past surgeries. You may qualify for simplified or guaranteed issue coverage with no medical exam required.
Approval times vary by policy. Some guaranteed issue and simplified issue policies can be approved in as little as 24–48 hours. We'll guide you through each step.
Not with most of the plans we recommend. Whole life and final expense policies typically come with locked-in premiums that never increase—even as you age or your health changes.
Term life offers coverage for a set number of years and is usually more affordable. Permanent life insurance lasts your entire life and builds cash value you can borrow against or leave behind.
Absolutely. Whether you already have a policy or are just getting started, we offer free policy reviews to help you compare, update, or switch coverage if it makes sense for you.
We make it easy to connect in the way that works best for you. You can choose from:
Phone call – Quick and convenient
Zoom or video call – Perfect for walking through details face-to-face
In-person meetings – Available by request in Georgia, Florida, and Alabama
We’ll work around your schedule to make the process smooth and stress-free.
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Affordable and easy to understand. I feel secure knowing my family is covered.