Best Life Insurance In Georgia


  • Rikin Shah
  • Jun 20, 2024
Georgia cost of a funeral

Georgia’s life insurance laws are governed by Title 33 of the Georgia Code.

  • 10-day free look period (GA Code Ann. 33-25-8)
  • 30-day grace period (GA 33-25-3)
  • If a claim is not settled within 30 days, the death benefit begins to accrue interest from the date of death (GA 33-25-10)
  • Guarantees up to $300,000 for lost death benefits per individual (source)

Keep in mind that life insurance laws are very similar from state to state (for example, Hawaii’s life insurance laws and Idaho’s life insurance laws are nearly identical to those of Georgia).

How Much Is A $10,000 Whole Life Policy In Georgia?

The table below shows the rates by age of $10,000 of whole life insurance in Georgia.

Age20
Male$14.67
Male (Smoker)$16.91
Female$14.41
Female (Smoker)$15.72
Age25
Male$16.07
Male (Smoker)$18.37
Female$14.82
Female (Smoker)$17.24
Age30
Male$17.21
Male (Smoker)$20.07
Female$16.37
Female (Smoker)$18.50
Age35
Male$18.67
Male (Smoker)$22.68
Female$17.57
Female (Smoker)$20.83
Age40
Male$20.88
Male (Smoker)$24.58
Female$19.46
Female (Smoker)$23.39
Age45
Male$24.26
Male (Smoker)$28.67
Female$22.16
Female (Smoker)$27.43
Age50
Male$27.56
Male (Smoker)$34.24
Female$24.34
Female (Smoker)$31.41
Age55
Male$32.74
Male (Smoker)$39.86
Female$28.17
Female (Smoker)$37.09
Age60
Male$39.24
Male (Smoker)$47.61
Female$33.23
Female (Smoker)$42.88
Age65
Male$48.66
Male (Smoker)$57.73
Female$41.07
Female (Smoker)$50.84
Age70
Male$60.48
Male (Smoker)$71.27
Female$52.64
Female (Smoker)$60.14
Age75
Male$97.43
Male (Smoker)$133.40
Female$71.29
Female (Smoker)$94.52
Age80
Male$135.01
Male (Smoker)$181.93
Female$97.77
Female (Smoker)$135.44
Age85
Male$187.52
Male (Smoker)$257.91
Female$132.32
Female (Smoker)$192.83

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Best Life Assurance In Macon

Nestled in the heart of Georgia, Macon stands as a hidden gem rich in history, culture, and southern charm. Known as the “Heart of Georgia,” Macon boasts a captivating blend of historical sites, such as the ancient Indian mounds of Ocmulgee National Monument, alongside vibrant musical heritage, being the birthplace of legendary artists like Otis Redding and Little Richard. The city’s picturesque downtown area, lined with cherry trees, comes alive each spring during the International Cherry Blossom Festival, attracting visitors from all corners. With its antebellum architecture, thriving arts scene, and warm, welcoming community, Macon offers a unique glimpse into the soul of the South.

Insurance Service GeorgiaS. Hogan Insurance
123 The, Masters Cove750 Riverside Dr Ln
+14783007113+14787195623
Insurance Service GeorgiaTrustGuard Insurance Co GA
123 The, Masters Cove3902 Northside Dr # C1
+14783007113+14048550470
Insurance Service GeorgiaReal Insurance Company
123 The, Masters Cove201 Sheraton Dr # B
+14783007113+14784710296
Insurance Service GeorgiaBest Benefits Insurance Agency
123 The, Masters Cove520 Martin Luther King Jr Blvd #203
+14783007113+14782985939
Insurance Service GeorgiaStrength Insurance GA
123 The, Masters Cove2960 Riverside Dr
+14783007113+14048550551
Insurance Service GeorgiaYour Insurance Georgia
123 The, Masters Cove2424 Riverside Dr
+14783007113+14783007892
Insurance Service GeorgiaYour Benefit Insurance Agency
123 The, Masters Cove2723 Sheraton Dr
+14783007113+14782985401
Insurance Service GeorgiaThe DeZoort Agency, LLC
123 The, Masters Cove353 Pierce Ave
+14783007113+14787467332

Best Coverage In Atlanta

Atlanta, the bustling capital city of Georgia, is a vibrant hub known for its rich history, diverse musical heritage, and warm Southern hospitality. Nestled in the heart of the Southeast, this dynamic city boasts a stunning skyline, sprawling green spaces, and a culinary scene that’s as diverse as its population. Home to major corporations, historic sites, and cultural institutions like the Martin Luther King Jr. National Historic Site and the world-renowned Georgia Aquarium, Atlanta offers an array of experiences for every visitor. Whether you’re exploring the trendy neighborhoods, indulging in the thriving restaurant scene, or attending one of the many festivals, Atlanta provides a blend of cosmopolitan sophistication and Southern charm.

Best Life insurance AtlantaSelected Life Insurance
3401 Northside Pkwy NW3405 GA-237
+14709614327+19122084323
Best Life insurance AtlantaElite insurance Agency Atlanta
3401 Northside Pkwy NW3438 Peachtree Rd NE Suite 1200
+14709614327+14709614342
Best Life insurance AtlantaLife Advisers
3401 Northside Pkwy NW1700 Northside Dr NW Suite A7 #6751
+14709614327+18006300810
Best Life insurance AtlantaAtlanta Life Insurance Co: Cooper Mark
3401 Northside Pkwy NW100 Auburn Ave NE
+14709614327+14046548856
Best Life insurance AtlantaReveal Wealth. Atlanta
3401 Northside Pkwy NW55 Ivan Allen Jr Blvd NW #835
+14709614327+17707302000
Best Life insurance AtlantaRob Hill Insurance Group
3401 Northside Pkwy NW2800 Shallowford Rd Bld A, Suite B
+14709614327+16787917132
Best Life insurance AtlantaJohn Hancock Life
3401 Northside Pkwy NW1100 Peachtree St NE
+14709614327+14048176675
Best Life insurance AtlantaFive Star Insurance Agency
3401 Northside Pkwy NW3355 Lenox Rd NE
+14709614327+18667404132
3401 Northside Pkwy NW3330 Cumberland Blvd SE # 500
+14709614327+16784033606

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Best Policies In Augusta

Augusta, situated on the banks of the Savannah River, serves as Georgia’s second-largest city and the state capital of Richmond County. Renowned for hosting The Masters, one of golf’s most prestigious tournaments, Augusta merges Southern charm with a rich historical tapestry dating back to its establishment in 1736. Beyond its illustrious golfing reputation, the city boasts a vibrant arts scene, numerous outdoor activities along the river or in its lush parks, and a diverse array of dining and shopping options. Augusta’s historic downtown area, with its well-preserved architecture and the scenic Augusta Riverwalk, provides residents and visitors alike a glimpse into the past while enjoying the comforts and excitements of modern city life.

The Crozier Insurance AgencyRight Life & Health Services Inc
3239 Peninsula Dr1054 Claussen Rd
+17626858581+14048550191
The Crozier Insurance AgencyInsurance Services-America
3239 Peninsula Dr1109 Medical Center Dr
+17626858581+17064138472
The Crozier Insurance AgencyMonumental Life Insurance Co
3239 Peninsula Dr2531 Ctr W Pkwy #112
+17626858581+17067310713
The Crozier Insurance AgencyMonumental Life Insurance Co
3239 Peninsula Dr2531 Central Ave #236
+17626858581+17067310936
The Crozier Insurance AgencyFuerza Latina Insurance
3239 Peninsula Dr3938 Columbia Rd
+17626858581+17062845187
The Crozier Insurance AgencyMichael Hampton and Associates
3239 Peninsula Dr3507 Carmichael Rd
+17626858581+17062940255
The Crozier Insurance AgencyAlfa Insurance Co
3239 Peninsula Dr1480 Wrightsboro Rd
+17626858581+17706281969
The Crozier Insurance AgencyDawson Taylor & Company
3239 Peninsula Dr3510 Wheeler Rd
+17626858581+17067336888
The Crozier Insurance AgencyImpartial Insurance Advisor
3239 Peninsula Dr207 Simmons Pl
+17626858581+17067225665
The Crozier Insurance AgencyAlan Murphy: Allstate Insurance
3239 Peninsula Dr3300 Washington Rd
+17626858581+17625291999

Best Life Cover In Columbus

Columbus, the bustling capital city of Ohio, blends a vibrant arts scene with a rich history and a strong educational backbone, anchored by The Ohio State University. Its diverse neighborhoods offer an array of culinary delights, shopping experiences, and cultural attractions, ranging from the interactive COSI museum to the serene Scioto Mile, a network of parks along the river. Renowned for its innovative spirit and friendly atmosphere, Columbus represents a dynamic hub for both business and leisure, continuously attracting visitors and new residents alike to its lively streets and inclusive community.

Proverb Insurance AgencyC Brown & Associates Inc
5964 Veterans Pkwy1300 Wynnton Rd # 107
+17062210722+17066531287
Proverb Insurance AgencyThe Insurance Lady
5964 Veterans Pkwy5636 Whitesville Rd
+17062210722+17065308268
5964 Veterans Pkwy5636 Whitesville Rd Suite E-1
+17062210722+17066049390
Proverb Insurance AgencySaic Inc – Aflac Insurance Agent
5964 Veterans Pkwy4245 Milgen Rd
+17062210722+17065634524
Proverb Insurance AgencyJohn Benn – Aflac Insurance Agent
5964 Veterans Pkwy993 Lismore Dr
+17062210722+17068887575
5964 Veterans Pkwy2223 Brookstone Centre Pkwy STE A
+17062210722+17065808681
5964 Veterans Pkwy2714 Lynda Ln
+17062210722+17063666618
5964 Veterans Pkwy3252 Maricopa Dr
+17062210722+17063329907
5964 Veterans Pkwy1224 Peacock Ave #205
+17062210722+17065075301
Proverb Insurance AgencyNorthwestern Mutual Life Insurance
5964 Veterans Pkwy5820 Veterans Pkwy #304
+17062210722+17066530383
5964 Veterans Pkwy5820 Veterans Pkwy #306
+17062210722+17063221400
5964 Veterans Pkwy5547 Veterans Pkwy
+17062210722+17062236464
Proverb Insurance AgencyWilliam L Amos & Co Inc – Aflac Insurance Agent
5964 Veterans Pkwy6801 River Rd
+17062210722+17065963401
Proverb Insurance AgencyLange Taylor – Aflac Insurance Agent
5964 Veterans Pkwy1224 Peacock Ave Suite K
+17062210722+17063153143

Best Life Insurance In Savannah

Savannah, Georgia, is a city steeped in history, charm, and southern hospitality. Known for its picturesque historic district, cobblestone streets, and beautiful parks draped in Spanish moss, Savannah captivates visitors with its blend of the past and present. The city’s vibrant food scene, bustling riverfront, and cultural events, such as the Savannah Music Festival, provide endless entertainment. As one of the original 13 colonies, Savannah also offers a wealth of architectural treasures and historic sites, making it a must-visit destination for history buffs and adventure seekers alike.

407 E Montgomery Cross Rd A6606 Abercorn St #205
+19127123320+19123539545
Good Samaritan Insurance, LLCBernard Williams & Co: Hogan Lynne
407 E Montgomery Cross Rd A6001 Chatham Center Dr STE 100
+19127123320+19122344476
Good Samaritan Insurance, LLCJessie Wright, Bankers Life Agent
407 E Montgomery Cross Rd A6001 Chatham Center Dr Ste 280
+19127123320+19126027000
Good Samaritan Insurance, LLCCotton Insurance LLC
407 E Montgomery Cross Rd A7302 Abercorn St # 2A
+19127123320+19122173796
Good Samaritan Insurance, LLCSentry Pro Insurance
407 E Montgomery Cross Rd A315 Commercial Dr
+19127123320+19129374304
Good Samaritan Insurance, LLCAmber Perry, Bankers Life Agent
407 E Montgomery Cross Rd A6001 Chatham Center Dr Ste 280
+19127123320+19126027000
Good Samaritan Insurance, LLCDebra Cameron, Bankers Life Agent
407 E Montgomery Cross Rd A6001 Chatham Center Dr Ste 280
+19127123320+19126027000

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Top Life Insurance Companies In Georgia

For the residents of the great state of Georgia, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.

Transamerica

“Immediate Solution” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life0 – 85 years
Policy TypeCoverage Range
Whole Life$1,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Very low prices
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • Underwriting has become stricter (e.g., no insulin)
  • Coverage limited to $25,000 for older applicants

Mutual of Omaha

“Living Promise” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life45 – 85 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Excellent customer service
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • Moderately strict underwriting

Aetna

“Protection Series” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA
Policy TypeAge Range
Whole Life45 – 89 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Lenient underwriting
  • Shortest application, industry-wide
  • Automated underwriting (approval potentially in minutes)
  • No medical exam
  • Flat, never-increasing premiums
Considerations
  • N/A

Rikin Shah

Rikin is the Founder & CEO of GetSure. He is a licensed life, accident & health insurance agent in all 50 states (plus D.C.) and has over 15 years of experience in the financial services industry. He has been featured in publications such as Forbes, USA Today, and U.S. News & World Report, among others. Rikin holds a B.S. in Applied Mathematics from Columbia University and an MBA from The Stanford Graduate School of Business. If you'd like to speak with Rikin to discuss your life insurance options or questions, don't hesitate to email him at hello [at] getsure.org.