Best Life Insurance In Georgia
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.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.67 | $16.91 | $14.41 | $15.72 |
| 25 | $16.07 | $18.37 | $14.82 | $17.24 |
| 30 | $17.21 | $20.07 | $16.37 | $18.50 |
| 35 | $18.67 | $22.68 | $17.57 | $20.83 |
| 40 | $20.88 | $24.58 | $19.46 | $23.39 |
| 45 | $24.26 | $28.67 | $22.16 | $27.43 |
| 50 | $27.56 | $34.24 | $24.34 | $31.41 |
| 55 | $32.74 | $39.86 | $28.17 | $37.09 |
| 60 | $39.24 | $47.61 | $33.23 | $42.88 |
| 65 | $48.66 | $57.73 | $41.07 | $50.84 |
| 70 | $60.48 | $71.27 | $52.64 | $60.14 |
| 75 | $97.43 | $133.40 | $71.29 | $94.52 |
| 80 | $135.01 | $181.93 | $97.77 | $135.44 |
| 85 | $187.52 | $257.91 | $132.32 | $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.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Insurance Service Georgia | 123 The, Masters Cove | +14783007113 |
| S. Hogan Insurance | 750 Riverside Dr Ln | +14787195623 |
| TrustGuard Insurance Co GA | 3902 Northside Dr # C1 | +14048550470 |
| Real Insurance Company | 201 Sheraton Dr # B | +14784710296 |
| Best Benefits Insurance Agency | 520 Martin Luther King Jr Blvd #203 | +14782985939 |
| Strength Insurance GA | 2960 Riverside Dr | +14048550551 |
| Your Insurance Georgia | 2424 Riverside Dr | +14783007892 |
| Your Benefit Insurance Agency | 2723 Sheraton Dr | +14782985401 |
| The DeZoort Agency, LLC | 353 Pierce Ave | +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.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Best Life insurance Atlanta | 3401 Northside Pkwy NW | +14709614327 |
| Selected Life Insurance | 3405 GA-237 | +19122084323 |
| Elite insurance Agency Atlanta | 3438 Peachtree Rd NE Suite 1200 | +14709614342 |
| Life Advisers | 1700 Northside Dr NW Suite A7 #6751 | +18006300810 |
| Atlanta Life Insurance Co: Cooper Mark | 100 Auburn Ave NE | +14046548856 |
| Reveal Wealth. Atlanta | 55 Ivan Allen Jr Blvd NW #835 | +17707302000 |
| Rob Hill Insurance Group | 2800 Shallowford Rd Bld A, Suite B | +16787917132 |
| John Hancock Life | 1100 Peachtree St NE | +14048176675 |
| Five Star Insurance Agency | 3355 Lenox Rd NE | +18667404132 |
| Ashley Thomas at Comparion Insurance Agency | 3330 Cumberland Blvd SE # 500 | +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.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| The Crozier Insurance Agency | 3239 Peninsula Dr | +17626858581 |
| Right Life & Health Services Inc | 1054 Claussen Rd | +14048550191 |
| Insurance Services-America | 1109 Medical Center Dr | +17064138472 |
| Monumental Life Insurance Co | 2531 Ctr W Pkwy #112 | +17067310713 |
| Monumental Life Insurance Co | 2531 Central Ave #236 | +17067310936 |
| Fuerza Latina Insurance | 3938 Columbia Rd | +17062845187 |
| Michael Hampton and Associates | 3507 Carmichael Rd | +17062940255 |
| Alfa Insurance Co | 1480 Wrightsboro Rd | +17706281969 |
| Dawson Taylor & Company | 3510 Wheeler Rd | +17067336888 |
| Impartial Insurance Advisor | 207 Simmons Pl | +17067225665 |
| Alan Murphy: Allstate Insurance | 3300 Washington Rd | +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.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Proverb Insurance Agency | 5964 Veterans Pkwy | +17062210722 |
| C Brown & Associates Inc | 1300 Wynnton Rd # 107 | +17066531287 |
| The Insurance Lady | 5636 Whitesville Rd | +17065308268 |
| Life Insurance Columbus Ga – Inheritance Financial Life | 5636 Whitesville Rd Suite E-1 | +17066049390 |
| Saic Inc – Aflac Insurance Agent | 4245 Milgen Rd | +17065634524 |
| John Benn – Aflac Insurance Agent | 993 Lismore Dr | +17068887575 |
| Michelle Crawford – Aflac Insurance Agent | 2223 Brookstone Centre Pkwy STE A | +17065808681 |
| James Holman – Aflac Insurance Agent | 2714 Lynda Ln | +17063666618 |
| Eileen Stillwell – Aflac Insurance Agent | 3252 Maricopa Dr | +17063329907 |
| Richard K Carter Sr – Aflac Insurance Agent | 1224 Peacock Ave #205 | +17065075301 |
| Northwestern Mutual Life Insurance | 5820 Veterans Pkwy #304 | +17066530383 |
| Northwestern Mutual Life Insurance: Tipton Richard | 5820 Veterans Pkwy #306 | +17063221400 |
| Athena Hughes at Comparion Insurance Agency | 5547 Veterans Pkwy | +17062236464 |
| William L Amos & Co Inc – Aflac Insurance Agent | 6801 River Rd | +17065963401 |
| Lange Taylor – Aflac Insurance Agent | 1224 Peacock Ave Suite K | +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.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Good Samaritan Insurance, LLC | 407 E Montgomery Cross Rd A | +19127123320 |
| Prudential | John Durant III | Life Insurance & Annuities | 6606 Abercorn St #205 | +19123539545 |
| Bernard Williams & Co: Hogan Lynne | 6001 Chatham Center Dr STE 100 | +19122344476 |
| Jessie Wright, Bankers Life Agent | 6001 Chatham Center Dr Ste 280 | +19126027000 |
| Cotton Insurance LLC | 7302 Abercorn St # 2A | +19122173796 |
| Sentry Pro Insurance | 315 Commercial Dr | +19129374304 |
| Amber Perry, Bankers Life Agent | 6001 Chatham Center Dr Ste 280 | +19126027000 |
| Debra Cameron, Bankers Life Agent | 6001 Chatham Center Dr Ste 280 | +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
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 0 – 85 years |
| Coverage Range | $1,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Very low prices
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Underwriting has become stricter (e.g., no insulin)
- Coverage limited to $25,000 for older applicants
Mutual of Omaha
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 45 – 85 years |
| Coverage Range | $2,000 – $50,000 |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
| Policy Type | Whole Life |
| Available States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Age Range | 45 – 89 years |
| Coverage Range | $2,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- 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.