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Best Life Insurance Companies in Albany

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2023
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Dale Hodges Agency, LLC logo
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License Verified:

License: 8962537

Georgia office of Insurance and Safety Fire Commissioner

Dale Hodges Agency, LLC

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2734 Ledo Road, Albany, GA 31707
  • Life Insurance

Business Description

Dale Hodges Agency, LLC, has been serving the Albany area since 1997. With over five decades of collective industry experience, its insurance professionals carry life, business, auto, and home insurance plans. They focus on their clients' needs to develop custom life insurance policies and help them determine suitable coverage packages. They also work with diverse clients, such as retired individuals and small business owners. Additionally, Dale Hodges Agency maintains partnerships with several insurance carriers, including Progressive and Foremost Insurance Group.

License Verified:

License: 8962537

Georgia office of Insurance and Safety Fire Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Fleming & Riles Insurance logo
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License Verified:

License: 579518

Georgia office of Insurance and Safety Fire Commissioner

Fleming & Riles Insurance

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636 Pointe North Boulevard, Albany, GA 31721
  • Life Insurance

Business Description

Fleming & Riles Insurance is an independent insurance company that delivers insurance solutions to residents in Albany. The company offers life insurance, including permanent and term insurance options. Fleming & Riles Insurance also has other insurance services, including auto, home, and ice vending machine insurance. Commercial clients can also choose among business insurance solutions, like general liability and property insurance. Established in 1898, Fleming & Riles Insurance continues to grow, and its agents have a combined 200 years of experience in multiple insurance fields.

License Verified:

License: 579518

Georgia office of Insurance and Safety Fire Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (6)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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J W Cooper logo
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License Verified:

License: 490256

Georgia office of Insurance and Safety Fire Commissioner

J W Cooper

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2734 Ledo Road, Suite 3, Albany, GA 31707
  • Life Insurance
  • Health Insurance

Business Description

J W Cooper, a State Farm agent, provides life insurance to individuals and families in the Albany metro. He has been providing insurance assistance since 1983 and has helped his clients obtain proper coverage depending on their needs and risks. The types of life insurance available include term, whole, and universal policies. He also guides individuals planning to change their policies or beneficiaries. Other insurance products are auto, business, home, property, health, and pet coverage.

License Verified:

License: 490256

Georgia office of Insurance and Safety Fire Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
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Detail
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Moulton & Hardin, Inc. logo

Moulton & Hardin, Inc.

1408 West 3rd Avenue, Albany, GA 31707
  • Health Insurance

Business Description

Moulton & Hardin, Inc. offers life and health insurance solutions to clients in Albany and the surrounding areas. The company offers group insurance plans, including life, health, dental, and vision insurance, in addition to long-term disability and worksite coverage. It also provides options for online payroll management, ACA compliance, and benefits administration. The company's website contains various resources and tools, including payroll calculators. Furthermore, Moulton & Hardin works with an extensive network of carriers, including Anthem, Cigna, Humana, and UnitedHealthcare.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Sandra Rowe logo
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License Verified:

License: 334117

Georgia office of Insurance and Safety Fire Commissioner

Sandra Rowe

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489 Stonewall Street Southeast, Dawson, GA 39842
  • Life Insurance
  • Health Insurance

Business Description

Sandra Rowe is a life insurance agent serving clients from Albany. She provides term, whole, and universal life insurance to ensure financial stability for clients and their loved ones in case of an unexpected event. Aside from life insurance, Rowe also offers a wide range of policies for homes, pets, properties, and health. She has been an agent for State Farm Insurance since 1984. Rowe is a member of Terrell County Chamber of Commerce's board of directors.

License Verified:

License: 334117

Georgia office of Insurance and Safety Fire Commissioner

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Short Insurance Group logo
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License Verified:

License: 380035

Georgia office of Insurance and Safety Fire Commissioner

Short Insurance Group

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121 North Westover Boulevard, Albany, GA 31707
  • Life Insurance
  • Term Life Insurance

Business Description

Short Insurance Group is an agency that has been serving clients in Albany and nearby areas since 1978. It represents different insurance carriers, including Progressive, Safeco Insurance, and Travelers. This firm offers term life insurance, which is for temporary needs, and permanent life insurance for lifetime protection. In addition, it provides automobile, general liability, health, homeowners', and renters' insurance plans. Motorcycle and trucking insurance products are also available. David Short, the firm's president, holds various designations, including Certified Insurance Counselor and Chartered Property Casualty Underwriter.

License Verified:

License: 380035

Georgia office of Insurance and Safety Fire Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Family Agency logo
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License Verified:

License: 404590

Georgia office of Insurance and Safety Fire Commissioner

The Family Agency

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1148 Dawson Road, Albany, GA 31707
  • Life Insurance

Business Description

Established in 1992, The Family Agency is an insurance company serving clients in Albany and the surrounding areas. The company's manager, Rick Muggridge, has been serving the community for almost 30 years, providing comprehensive insurance options. Muggridge and his team offer a wide selection of products, including life, renters', mobile home, boat, and general liability insurance, in addition to RV and ATV coverage. They aim to offer a family-oriented approach, striving to provide reliable and honest services.

License Verified:

License: 404590

Georgia office of Insurance and Safety Fire Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.7 / 5 (15)
Google
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.