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.
| Age | Male | Male (Smoker) | Female | Female (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 Agency | Address | Phone |
|---|---|---|
| Brent Harrell Insurance, LLC | 175 D, Lameuse St | +12282076053 |
| Boyles Moak Insurance Services | 825 Howard Ave | +12282333486 |
| OakTrust Insurance Group | 14507 Lemoyne Blvd | +12283540877 |
| Mattina Insurance Agency Inc | 1829 Pass Rd | +12283882614 |
| Southern Magnolia Insurance Agency, LLC | 1636 Popp’s Ferry Rd Suite 221 | +12289677279 |
| SouthGroup Insurance Services/Lighthouse Insurance Services Inc | 2505 Pass Rd | +12283851177 |
| Ramon Insurance | 789 Jackson St | +12282641600 |
| TMT Insurance Biloxi, MS | 3179 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 Agency | Address | Phone |
|---|---|---|
| TMT Insurance Biloxi, MS | 3179 Mallett Rd Suite 8 | +12282200093 |
| The Hewes Agency, LLC | 11497 US 49 | +12288326731 |
| Oliver Scott Insurance | 1611 E Pass Rd | +12283002874 |
| Mattina Insurance Agency, Inc. | 11010 US 49 #1 | +12288321100 |
| Latino American Insurance & Service | 1956 E Pass Rd Suite E | +12282067883 |
| Arde’ Insurance Group | 750 E Pass Rd | +12288972404 |
| Helping Hands Insurance Partners Inc | 14086 Dedeaux Rd | +12283575117 |
| American Income Life – Daniel Umbertone | 14092 Customs Blvd Suite 101-B | +16017141096 |
| Secret Coast Life | 2012 23rd Ave | +12257767567 |
| Fox Everett Insurance | 12260 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 Agency | Address | Phone |
|---|---|---|
| Bellevue Insurance Agency | Keystone Dr | +16013363040 |
| New York Life | 132 Mayfair Rd #3 | +16012682644 |
| Davis Smith – State Farm Insurance Agent | 7092 US-98 | +16016028585 |
| Shelter Insurance – Cameron Reynolds | 6614 US-98 d | +16012645412 |
| The Producers Group | 151 Pompano Dr | +18777009357 |
| Globe Life Liberty National Division: Odell Agency | 1507 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 Agency | Address | Phone |
|---|---|---|
| Victory Insurance | 1700 Terry Rd # 12 | +16013535418 |
| Van Earl Jefferson: Primerica – Financial Services | 6520 Dogwood View Pkwy suite e | +16019878733 |
| Prudential | Melissa Chipman | Life Insurance & Annuities | 4500 I-55 Suite 221 | +18005568527 |
| Catchings Insurance | 945 N State St | +16013557489 |
| Prudential| Jr. Robinson Louie | Life Insurance & Annuities | 317 E Capitol St #101 | +16015032140 |
| Rosalyn Sylvester – Aflac Insurance Agent | 5965 MS-18 Ste 307 | +16019239202 |
| Life Insurance Finders | 5722 Interstate 55 North Frontage Rd | +18008001397 |
| Shelter Insurance – Greg Atwood | 11 Northtown Dr Ste 120 STE 120 | +16019779778 |
| Shelter Insurance – Joel Dramer | 1553 E County Line Rd Ste 103 STE 103 | +16019570076 |
| Globe Life American Income Division: Moss Organization | 405 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 Agency | Address | Phone |
|---|---|---|
| Angela Kidd Insurance | 8830 Centre St # 1 | +16623398133 |
| Gallagher Insurance Group | 5627 Getwell Rd Bldg C4 | +16623938460 |
| Kirk M Hale Medicare Insurance Agent | 3555 New Pointe Dr S | +16626551915 |
| Pamela Wheat – Aflac Insurance Agent | 385 Nail Rd | +19012995151 |
| Farm Bureau Insurance | 7055 Getwell Rd | +16624704524 |
| Shelter Insurance – Josh Wilson | 6080 Getwell Rd Ste 202 BLDG G2 | +16623491450 |
| Shelter Insurance – Tracie Napier, Lutcf | 7193 Swinnea Rd Ste B, Ste B STE B | +16623492002 |
| Shelter Insurance – Alan Cook | 8570 US-51 Ste 5 | +16623930031 |
| David Garrett: Primerica – Financial Services | 885 Ferncliff Dr STE 1 | +16624705993 |
| Tommy Eldridge: Allstate Insurance | 1630 Goodman Rd E | +16622536150 |
| American Income Life – Daniel Umbertone | 915 Ferncliff Cove #1b | +16017141096 |
| Aflac Insurance | 230 Goodman Rd E building 3 suite 101 | +16624704096 |
| Guardian Insurance Group LLC | 5185 Getwell Rd | +16628955600 |
You Won't Find A Lower Rate
Choose kindness.
You never know what battles people may be fighting.
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 |
|---|---|
| States | All except NY |
| Ages | 0 – 85 |
| Coverage | $1,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- 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
“Living Promise” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 45 – 85 |
| Coverage | $2,000 – $50,000 |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
“Protection Series” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Ages | 45 – 89 |
| Coverage | $2,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
