Life Insurance By State

Best Life Insurance In Mississippi

Explore life insurance in Mississippi, understand its laws, and discover the top companies providing the best coverage. A complete guide for you!

1 min read
Mississippi cost of a funeral

Mississippi’s life insurance laws are governed by Title 83 of the Mississippi Code.

  • 10-day free look period (MS 83-7-51)
  • 31-day grace period for all payments after the first one (MS 83-9-5)
  • Death benefits start to accrue interest from the time of the insured’s death (MS 83-7-6)
  • Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash surrender value (source)

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

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

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

AgeMaleMale (Smoker)FemaleFemale (Smoker)
20$15.01$17.41$14.07$16.15
25$16.33$17.99$15.15$17.54
30$17.07$20.09$16.29$19.39
35$18.64$22.36$17.74$21.12
40$20.79$25.49$19.71$24.00
45$23.58$29.15$22.34$27.49
50$27.36$34.25$24.41$31.50
55$32.69$39.73$28.54$36.60
60$38.84$47.23$33.02$42.38
65$47.80$57.84$41.05$50.49
70$59.91$71.68$52.62$60.43
75$97.92$133.06$71.27$94.71
80$134.83$182.64$97.65$135.73
85$187.55$258.36$131.67$193.12

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Best Life Assurance In Biloxi

Biloxi, a picturesque city nestled on the shores of the Mississippi Gulf Coast, flawlessly combines its rich history with modern allure. Famous for its scenic beaches, historic lighthouses, and vibrant casino scene, Biloxi offers a unique blend of cultural heritage and contemporary entertainment. The city’s deep-rooted connection to the seafood industry is celebrated at the annual Mississippi Gulf Coast Seafood Festival, making it a haven for culinary enthusiasts. With its charming downtown district, bustling with art galleries, museums, and theaters, Biloxi stands out as a dynamic destination that captivates visitors with its Southern hospitality and diverse attractions.

Life Insurance AgencyAddressPhone
Brent Harrell Insurance, LLC175 D, Lameuse St+12282076053
Boyles Moak Insurance Services825 Howard Ave+12282333486
OakTrust Insurance Group14507 Lemoyne Blvd+12283540877
Mattina Insurance Agency Inc1829 Pass Rd+12283882614
Southern Magnolia Insurance Agency, LLC1636 Popp’s Ferry Rd Suite 221+12289677279
SouthGroup Insurance Services/Lighthouse Insurance Services Inc2505 Pass Rd+12283851177
Ramon Insurance789 Jackson St+12282641600
TMT Insurance Biloxi, MS3179 Mallett Rd Suite 8+12282200093

Best Coverage In Gulfport

Gulfport, nestled along the sun-kissed beaches of Mississippi’s Gulf Coast, stands as a vibrant city brimming with Southern charm. Renowned for its bustling port – the primary gateway for trade in the Southeastern United States – Gulfport merges the industrious spirit with the laid-back lifestyle unique to beach towns. The city’s inviting sandy shores, such as those at Jones Park, offer a tranquil escape, while the Island View Casino Resort adds a touch of excitement with its gaming and entertainment options. Gulfport is also rich in cultural experiences, from the Gulf Islands Waterpark, perfect for family outings, to the diverse marine life showcased at the Mississippi Aquarium. With its blend of natural beauty, economic importance, and recreational facilities, Gulfport is a gem on the Mississippi coastline, offering something for everyone.

Life Insurance AgencyAddressPhone
TMT Insurance Biloxi, MS3179 Mallett Rd Suite 8+12282200093
The Hewes Agency, LLC11497 US 49+12288326731
Oliver Scott Insurance1611 E Pass Rd+12283002874
Mattina Insurance Agency, Inc.11010 US 49 #1+12288321100
Latino American Insurance & Service1956 E Pass Rd Suite E+12282067883
Arde’ Insurance Group750 E Pass Rd+12288972404
Helping Hands Insurance Partners Inc14086 Dedeaux Rd+12283575117
American Income Life – Daniel Umbertone14092 Customs Blvd Suite 101-B+16017141096
Secret Coast Life2012 23rd Ave+12257767567
Fox Everett Insurance12260 Intraplex Pkwy+12288976700

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Best Policies In Hattiesburg

Hattiesburg, known as “The Hub City” for its historical significance as a center for railroads, logging, and military, is a vibrant city located in southeastern Mississippi. It is home to the University of Southern Mississippi and William Carey University, adding a youthful spirit and educational prowess to the community. Hattiesburg blends Southern charm with cultural richness, offering a variety of attractions including the Hattiesburg Zoo, the Mississippi Armed Forces Museum, and dynamic arts and music scenes. The city’s strong sense of community, coupled with its lush green spaces, such as the Longleaf Trace, makes Hattiesburg a desirable place to live, work, and explore.

Life Insurance AgencyAddressPhone
Bellevue Insurance AgencyKeystone Dr+16013363040
New York Life132 Mayfair Rd #3+16012682644
Davis Smith – State Farm Insurance Agent7092 US-98+16016028585
Shelter Insurance – Cameron Reynolds6614 US-98 d+16012645412
The Producers Group151 Pompano Dr+18777009357
Globe Life Liberty National Division: Odell Agency1507 Hardy St Suite 104+17693907483

Best Life Cover In Jackson

Jackson, the vibrant capital city of Mississippi, is steeped in rich history, southern charm, and a diverse cultural tapestry that beckons visitors from all walks of life. Renowned for its pivotal role in the Civil Rights Movement, Jackson offers an array of historical sites, museums, and educational opportunities, including the Mississippi Civil Rights Museum and the Medgar Evers Home Museum. The city is also a haven for arts, music, and culinary enthusiasts, showcasing traditional southern cuisine alongside modern culinary delights and a thriving live music scene that celebrates the city’s blues and gospel roots. With its lush parks, such as LeFleur’s Bluff State Park, Jackson offers outdoor activities amidst its bustling urban landscape. As a community rich in tradition yet progressive in its outlook, Jackson stands as a testament to the enduring spirit and resilience of the South.

Life Insurance AgencyAddressPhone
Victory Insurance1700 Terry Rd # 12+16013535418
Van Earl Jefferson: Primerica – Financial Services6520 Dogwood View Pkwy suite e+16019878733
Prudential | Melissa Chipman | Life Insurance & Annuities4500 I-55 Suite 221+18005568527
Catchings Insurance945 N State St+16013557489
Prudential| Jr. Robinson Louie | Life Insurance & Annuities317 E Capitol St #101+16015032140
Rosalyn Sylvester – Aflac Insurance Agent5965 MS-18 Ste 307+16019239202
Life Insurance Finders5722 Interstate 55 North Frontage Rd+18008001397
Shelter Insurance – Greg Atwood11 Northtown Dr Ste 120 STE 120+16019779778
Shelter Insurance – Joel Dramer1553 E County Line Rd Ste 103 STE 103+16019570076
Globe Life American Income Division: Moss Organization405 Briarwood Dr Suite 109+16019577736

Best Life Insurance In Southaven

Southaven, nestled in the northernmost corner of Mississippi, stands out as a vibrant suburban city that serves as a gateway to the bustling areas of the South, including nearby Memphis, Tennessee. As the third-largest city in Mississippi, Southaven prides itself on a warm, welcoming community, a blend of small-town charm with the conveniences of a metropolitan area. Its strategic location offers easy access to major transportation routes, making it a hub for businesses and travelers alike. The city is abundant in parks and recreational facilities, providing residents and visitors with plenty of opportunities for outdoor activities. With a rich calendar of community events, top-notch schools, and a thriving retail environment, Southaven is a flourishing city that embodies the spirit of Southern hospitality.

Life Insurance AgencyAddressPhone
Angela Kidd Insurance8830 Centre St # 1+16623398133
Gallagher Insurance Group5627 Getwell Rd Bldg C4+16623938460
Kirk M Hale Medicare Insurance Agent3555 New Pointe Dr S+16626551915
Pamela Wheat – Aflac Insurance Agent385 Nail Rd+19012995151
Farm Bureau Insurance7055 Getwell Rd+16624704524
Shelter Insurance – Josh Wilson6080 Getwell Rd Ste 202 BLDG G2+16623491450
Shelter Insurance – Tracie Napier, Lutcf7193 Swinnea Rd Ste B, Ste B STE B+16623492002
Shelter Insurance – Alan Cook8570 US-51 Ste 5+16623930031
David Garrett: Primerica – Financial Services885 Ferncliff Dr STE 1+16624705993
Tommy Eldridge: Allstate Insurance1630 Goodman Rd E+16622536150
American Income Life – Daniel Umbertone915 Ferncliff Cove #1b+16017141096
Aflac Insurance230 Goodman Rd E building 3 suite 101+16624704096
Guardian Insurance Group LLC5185 Getwell Rd+16628955600

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Top Life Insurance Companies In Mississippi

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

Transamerica

“Immediate Solution” Whole Life Insurance
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
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 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
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 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
Advantages
  • Lenient underwriting
  • Shortest application, industry-wide
  • Automated underwriting (approval potentially in minutes)
  • No medical exam
  • Flat, never-increasing premiums
Considerations
  • N/A

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Written by

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.

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