(706) 843-6019
Referral Program

Individual Life Insurance in Thomson GA & Martinez GA

Reassurance for you and your Loved Ones.

Watson & Knox, Inc. provides life insurance to individuals in Thomson, Martinez, Augusta, Grovetown, Evans , Lincolnton, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Watson & Knox, Inc. , we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. 

Types of Individual Life Insurance

Watson & Knox, Inc. offers several different coverage options for your consideration including term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
  • Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Watson & Knox, Inc. is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with Watson & Knox, Inc. will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Watson & Knox, Inc.

139 Main Street

Thomson , GA 30824

Main office: (706) 843-6019
Toll free: 800-556-4606
Fax: 706-595-6897

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

With Watson and Knox, we have found someone who actually cares and works hard for the customer and their needs.
Bryan B Kirkland, Edwards Paint and Body Works LLC
Thanks so much for all the time, patience and hard work you put in to get our insurance. I feel very confident we made the right decision going with Watson & Knox with ALL our insurance needs.
Lynn Pulliam
The commitment and professionalism provided by Angela was above anything I had anticipated.
David Knox
My wife and I have been customers of Watson and Knox for about five years. We have been very pleased with the service and product knowledge provided by everyone with the company. I have always felt like part of a family with them because they go above and beyond to make sure you understand everything about their products. And if they don’t know something they will tell you they don’t know and they always find the answer. I have been so impressed with the service I always recommend them to friends and family.
Jason Cranford
When I receive premium payment notices, I call Angela Hammond to check the policies to be sure I have what I need and the premiums are the best for me. I am very appreciative of this relationship.
Mary Etna Dudley
Nick has dealt with Mrs. Angela Hammond through Watson and Knox since he was old enough to need car insurance. When we married in 2002, I switched my vehicles to coverage from Watson and Knox, because of Mrs. Angela. She is extremely helpful, always willing to find more information if any questions arise, and she responds quickly. We trust her along with the other agents at Watson and Knox and feel that we have established a life long relationship with her.
Courtney Hayes
I have been extremely satisfied with the services provided by Watson and Knox. I felt very confident with their research and knowledge of the insurance industry. They were able to provide the insurance my company needs at a much more affordable rate. I am proud to be working with a local business.
Amy Stewart - Lake Crossing Health Care
Watson & Knox has and continues to provide Pulliam Lumber Co., Inc. with great satisfaction info needed on any insurance needs and is met at an above timely manner. Our agent, B.L. Johnson, goes above and beyond helping us with insurance needs. Watson & Knox needs to continue their great client/customer service.
Lynn Pulliam - Pulliam Lumber Company
Have been very helpful in all of our dealings. Thanks.
Sammy Luckey - A J Miller Masonic Lodge
Great service, friendly folks, and above and beyond to help.
Karen Shields - Second Baptist Church
I have compared some other insurance policies and have always come back to Watson & Knox. The prices have always been better. I also have had some claims, and Connie was always very efficient to get them settled.
Louise Adams
Being a multi-faceted business, Workforce Capital is required to have exceptional insurance policies. The choice to do business with Watson and Knox is as easy as 1,2,3. Like our company, Watson and Knox is built on customer relations.
Michelle A.
As far as insurance goes, I've always said, "You never know what you've got until you need it". I just wanted you to know that my recent encounter with a deer (the encounter cost me $6,000) could not have been any better handled. My little beloved car is a one of a kind, and it would not have been a surprise to me if, after the accident, an insurance company considered my car ‘totaled.’ However, Encompass, instead of sending me all over the place in order to find estimates, just suggested the best body shop in town. The body shop promptly picked up my car and fixed the car within a week; my little baby looked as good as or better than new! Encompass never argued the cost. Angela, over the many years that you’ve revised our policy, you’ve always helped me make the BEST decisions about coverage, and also you’ve never implied that you’re frustrated by our hobby of auto trading. Though our auto policy did not cover a car rental, YOU covered me with an umbrella, which got me a rental. When the whole affair was over and my car looked perfect and was running perfectly, - there was a bonus check! Wow! This check, which is a kind of check of which most people are unaware, was for deprecation and was sent to me unsolicited! OMG, what best practices for an insurance company! Thanks so much Angela, and thanks so much Encompass for having treated me like you care from the time you picked me up off of the side of the road to the moment that my car was finished. It feels like I never had an accident!
Susan Tyner Pritchett
"Watson and Knox has always gone above and beyond for our company. Whether it's regular business hours, after work, or weekends, they find a way to provide the answers and recommendations needed. The staff at Watson & Knox is full of dedicated and knowledgeable individuals, a huge advantage in today's world of constantly changing policies." Cully Poston Two State Construction project manager
Cully Poston