Expertise.com

2024

Last updated:

Best Life Insurance Companies in Athens

Our Recommended Top 16

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Athens Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

5037Reviewed

3028Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
425 North Milledge Avenue, Athens, GA 30601
  • Life Insurance
  • Health Insurance

Why choose this provider?

Ches Smith is an insurance agent that leads his own agency under State Farm, serving families and individuals in Athens and surrounding areas. Smith provides life insurance options that are available in term, whole, and universal categories. He also specializes in offering insurance solutions that cover vehicles, homes, properties, and health. He also offers insurance options that cover damages brought by disasters, such as floods, earthquakes, and fire. Smith is also experienced in handling banking, mutual funds, and annuities.

License Verified:

License: 540706

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.
3.9
Google
4.0 / 5 (19)
Facebook
3.0 / 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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
3001 Monroe Highway, Bogart, GA 30622
  • Health Insurance

Why choose this provider?

Joe Costa & Associates, Inc., has been providing health insurance services to the Athens area since 1982. It caters to business owners who want to provide health plans for their employees. These include virtual medicine, worksite services, HR support, and wellness plans. It also offers custom self-insured plans covering on-site medical providers, independent stop-loss coverage, radiology benefit management, virtual medicine, and compounding pharmacy benefits. Its founder, Joe Costa, is a third-generation entrepreneur and previously owned Budwine, a cherry-flavored cola company.

License Verified:

License: 634142

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 (1)

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
1031 Village Drive, Watkinsville, GA 30677
  • Life Insurance
  • Health Insurance
  • Individual Plans

Why choose this provider?

Pachuta Insurance is an independent insurance agency that services individuals, businesses, and churches in Athens. Its products include life insurance, home insurance, auto insurance, commercial insurance, and church insurance. As an independent agency, its agents help find the policy that best meets client needs. Prior to becoming an insurance agent, owner Johnny Pachuta worked as a school teacher, coach, and youth minister. He has been working in the insurance industry for 13 years.

License Verified:

License: 124182

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 (9)

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

Website
780 Highway 29 North, Athens, GA 30601
  • Life Insurance
  • Health Insurance

Why choose this provider?

Hamilton Agency serves individuals, families, and businesses in Athens and the surrounding communities. It offers life, health, home, and business insurance products and services. The agency helps clients find the life insurance plan that meets their specific coverage requirements. As an independent insurance agency, it is able to shop around for a wide variety of products and quote rates from multiple insurance carriers. The agency has been serving clients' insurance needs across Georgia state since 1994.

License Verified:

License: 598869

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.
4.6
Google
4.6 / 5 (9)

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

Website
7169 Highway 278, Covington, GA 30014
  • Life Insurance

Why choose this provider?

Serving Athens, Jones, Ewing, Dobbs & Tamplin is an independent agency providing a range of insurance solutions to clients in the metro. It offers policies such as life, personal articles, flood and earthquake, homeowners,' and mobile home insurance. The company also has other insurance solutions for farm structures, boilers and machinery, equipment breakdowns, business interruption, and general liability. Jones, Ewing, Dobbs & Tamplin, a family-owned and operated business, was established in 1954.

License Verified:

License: 162050

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.
4.5
Google
5.0 / 5 (3)
Facebook
3.0 / 5 (1)

Website
3021 Atlanta Highway, Athens, GA 30606
  • Life Insurance
  • Health Insurance

Why choose this provider?

Serving clients in Athens and all of Georgia, Athens Insurance Center delivers a variety of personal, commercial, and specialized insurance plans for individuals, families, and businesses. The full-service company assists clients in obtaining a life insurance policy that can pay personal bills, business expenses, and other financial obligations in the event of a tragedy. Its independent insurance agents represent over 50 companies. The team also offers health, long-term care, and Medicare supplemental insurance. The company began serving clients in 1973.

License Verified:

License: 71545

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.
4.4
Google
4.4 / 5 (7)

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

Website
250 Gaines School Road, Athens, GA 30605
  • Life Insurance

Why choose this provider?

Johnson Insurance Services, Inc., is a full-service independent insurance agency with locations in Athens and Washington. Founded in 1983 by Kevin Johnson, the company has a range of insurance products from different carriers. It provides life insurance, auto insurance, disability coverage, long-term care plans, and annuities. Additionally, it offers Medicare Supplement plans and commercial and workers' compensation policies. Kevin is a member of the Madison County Chamber of Commerce and the Athens Area Home Builders Association.

License Verified:

License: 72797

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.
4.5
Facebook
5.0 / 5 (13)
Google
4.0 / 5 (7)
Yelp
3.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
11 State Street, Commerce, GA 30529
  • Life Insurance
  • Health Insurance

Why choose this provider?

Established in 1962, Hyman Brown Insurance Agency, Inc., is an insurance company that caters to clients in Athens. Included in its line of products are term and whole life insurance policies. Additionally, it offers commercial, home, renters', umbrella, and watercraft insurance plans. Its team strives to create long-term relationships with clients by protecting their assets through loss control strategies and insurance services. Don R. Brown, its CEO, holds a Bachelor's degree in Business Administration with a specialization in risk management and insurance.

License Verified:

License: 192960

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.
4.5
Google
5.0 / 5 (11)
Facebook
4.0 / 5 (11)

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

Website
2500 West Broad Street, Athens, GA 30606
  • Life Insurance

Why choose this provider?

Delta Life Insurance provides risk management solutions from its Athens location. Its team furnishes different types of life insurance policies, including ones for non-smokers and another one for single parents. The agents also offer the Delta Life One Parent Family policy, which includes an accidental death benefit. Furthermore, Delta Life Insurance specializes in property and casualty insurance. It was established in 1962 and also has offices located in the Augusta, Atlanta, Macon, Dublin, and Savannah areas.

License Verified:

License: 62650

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
Google
5.0 / 5 (5)
Facebook
3.7 / 5 (1)

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.
2.5
Responsiveness
Friendliness
Helpfulness
––
Detail
––

Website
3703 Washington Road, Athens, GA 30907
  • Life Insurance
  • Individual Plans
  • Long Term Care

Why choose this provider?

Austin Taylor Insurance Agency assists clients around Athens and extends its services across the state as well as North and South Carolina. With over three decades of combined experience, the agency provides individual life insurance policies with universal, term, and whole life options. Its personal products range from homeowner’s insurance to valuable possessions policies. Business insurance plans are also available. The agency works with various carriers such as Hagerty, Allstate, and Foremost. Austin Taylor Insurance Agency is a member of the Insurance Agency Owners Alliance.

License Verified:

License: 171889

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
Facebook
5.0 / 5 (18)

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

Website
1842 Winder Highway, Jefferson, GA 30549
  • Life Insurance

Why choose this provider?

Douglas Bennett Insurance is an independent insurance company serving those in Athens and the surrounding communities for 50 years. It specializes in various products such as auto, business, home, life, farm, and contractor insurance. It represents multiple companies with different coverage options. Life insurance comes in various types, which include term life, universal life, and whole life. It will help secure a family's future, ensuring they are protected from unexpected events.

License Verified:

License: 103991

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 (11)
Facebook
5.0 / 5 (4)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
73 Church Street, Winder, GA 30680
  • Life Insurance
  • Health Insurance

Why choose this provider?

Winder Insurance Center is an insurance firm that serves the Athens metropolitan area. The insurance company aids in managing and planning for any sort of possible risk. Its specialties include automotive, business, life, home, health, and farm insurance which covers all hazards in agribusinesses. The firm's unit works with clients to find a policy that fits their needs. It also represents well-known insurance companies such as AAA, Berkshire Hathaway Guard, and Auto-Owners Insurance. Winder Insurance Center is owned and operated by CFO Brett Gamblin and CEO Russel Shepley.

License Verified:

License: 97086

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
Facebook
5.0 / 5 (12)
Yelp
5.0 / 5 (1)

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

Website
3651 Mars Hill Road, Watkinsville, GA 30677
  • Life Insurance
  • Term Life Insurance
  • Permanent Life Insurance Policy

Why choose this provider?

Arch Partners Insurance & Wealth Management is a life insurance agency in Athens. The company caters to individuals, families, or businesses seeking life insurance policies, particularly term life and permanent life. Aside from these two, related insurance policies such as long-term care, final expense coverage, disability income, mortgage protection, and estate planning policies are also available. Moreover, insurance products catered to businesses or groups are health, dental, vision, and disability. The company staff has a combined experience of more than 110 years in the insurance industry.

License Verified:

License: 200237

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 (35)
Facebook
5.0 / 5 (8)
Yelp
5.0 / 5 (1)

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

Website
3720 Atlanta Highway, Athens, GA 30606
  • Life Insurance

Why choose this provider?

Graham Life Services offers life and Medicare solutions to individuals, families, and businesses in Athens and the surrounding areas. The company's professionals aim to empower clients with enough information to make informed decisions, providing insurance products tailored to meet their needs and objectives. Additionally, it represents over 40 companies, providing clients with a wide range of life insurance options. Graham Life Services also specializes in various Medicare options, such as Medicare Advantage and Supplement plans.

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 (44)
Facebook
5.0 / 5 (1)

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
149 South Cherokee Road, Social Circle, GA 30025
  • Life Insurance
  • Health Insurance

Why choose this provider?

Tim Hutcheson is a State Farm insurance agent catering to Athens and Social Circle. He began his State Farm journey in 2007 and is passionate about simplifying the insurance process to provide clients with ample protection and a pleasant insurance experience. He offers term, whole, and universal insurance packages and provides assistance for policy and beneficiary changes. Hutcheson also serves as a board member of the Social Circle Downtown Development Authority and is an active sponsor of Social Circle Main Street Programs.

License Verified:

License: 2977713

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.
4.9
Google
4.9 / 5 (88)
Facebook
5.0 / 5 (18)

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

Website
120 East Washington Street, Madison, GA 30650
  • Life Insurance
  • Whole Life Insurance
  • Long Term Care
  • Term Life Insurance

Why choose this provider?

Jim Boyd Insurance & Bonds is an independent insurance agency that serves clients in Athens. It offers several types of life insurance policies, including term life insurance, universal life insurance, and whole life insurance. The agency also covers other insurance products and services, such as health insurance, long-term care insurance, and Medigap. Jim Boyd established the locally owned and operated agency in 1970. Its insurance agents live and work in the area, which makes them knowledgeable of insurance market developments in the metro.

License Verified:

License: 70493

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.
4.5
Google
4.8 / 5 (16)
Facebook
4.0 / 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

FAQs

  • How can someone in Athens verify if a certain individual had a life insurance policy?

    In Athens, one can begin by reaching out to local independent and agency-linked life insurance representatives. Scrutinizing bank documents, consulting past employers' benefits sections, and reviewing tax records for interest from policy cash values might provide clues. Additionally, the Unclaimed Property Section of the Georgia Department of Revenue at 855-329-9863 can help, as they handle undeliverable insurance proceeds.

  • Do Athens residents have access to life insurance benefits while they're still alive?

    Yes. In Athens, while life insurance primarily ensures financial safety for beneficiaries post-death, several policies present living benefits. Terminally ill individuals might receive their policy's worth early. Moreover, policyholders can retain their plans during career transitions, leverage waived premiums during severe illness or disability, and grow their policy's value by paying more than the regular rate, offering both enhanced death benefits and loan potentials.

  • How does the death benefit and cash value work in Athens' insurance policies when the policyholder dies?

    When a policyholder in Athens passes, the insurance firm disburses the stated death benefit, not exceeding it regardless of any accumulated cash value. However, unpaid loans, including interest, reduce this benefit. As a result, beneficiaries might receive less than the policy's face value. Notably, certain whole life policies in Athens do grant both the death benefit and the cash value upon the policyholder's death.

  • What happens to the death benefit in Athens if the beneficiary dies before the policyholder, and can the beneficiary be altered after the policyholder's death?

    In Athens, if a beneficiary predeceases the policyholder, the life insurance proceeds go to the policyholder's estate. After the policyholder's death, the beneficiary cannot be legally modified. Any postmortem changes would be fraudulent. If you suspect such a change, it's advised to challenge it, though proving malfeasance might be tough. Consulting a seasoned Athens-based life insurance beneficiary lawyer is recommended.

  • In Athens, is there a time limit to make a claim on a life insurance policy?

    Yes. In Athens and throughout Georgia, there's a timeline to claim life insurance set by state regulations. Some insurance agreements have even stricter deadlines, possibly giving just a few weeks post-death to claim. If encountering delays from insurers, an adept lawyer might compel interest payments on the due amount.

  • 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.

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