Expertise.com

2024

Last updated:

Best Life Insurance Companies in Augusta

Our Recommended Top 12

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 Augusta 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.

8609Reviewed

5170Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

931 Broad Street, Augusta, GA 30901
WebsiteLicense: 72223

Expertise.com Rating

Review Sources

Google
4.0 (14)
Facebook
5.0 (6)

Why choose this provider?

Sanford, Bruker & Banks is an independent insurance agency that has been serving the residents of Augusta for more than a century. It offers life insurance, home, auto, and commercial insurance. Principal Jeff Banks is a Certified Insurance Counselor that has been working in the insurance industry for more than 45 years. Sanford, Bruker & Banks is a Trusted Choice Agency.

  • Life Insurance

1499 Ellis Street, Augusta, GA 30901
WebsiteLicense: 70370

Expertise.com Rating

Review Sources

Google
4.0 (265)

Why choose this provider?

The Insurance Center is an Augusta-based insurance agency that represents a vast network of insurance companies and helps clients secure life insurance services and products that fit their needs. Since its establishment in 1960, it has educated clients about policies that benefit their dependents in crucial ways, such as replacing the provider's lost income or paying for future educational expenses. Aside from life insurance, the agency also assists with other personal insurance policies including home, auto, and umbrella insurance.

  • Life Insurance

2350 Washington Road, Augusta, GA 30904
WebsiteLicense: 3241880

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Review Sources

Google
4.0 (47)
Facebook
5.0 (3)

Why choose this provider?

Keith Perret is a life insurance agent that works for State Farm and is based in Augusta. He has a staff of office personnel and account managers with over 50 years of combined experience. Keith explains each available life insurance plan to his clients, such as term life and universal life policies. He also explains the benefits of each program, from death benefits to cash-value growth. Keith's additional insurance services include policies for automobiles, homeowners, pet owners, and businesses.

  • Life Insurance

245 Davis Road, Augusta, GA 30907

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Review Sources

Google
4.8 (88)
Facebook
5.0 (9)

Why choose this provider?

Augusta-based Blanchard & Calhoun Insurance Agency, Inc., has been operated by the same family since its foundation in 1919. It offers term life insurance, which provides protection for a defined period of time, and permanent life insurance, which includes premiums and death benefits. Additionally, it provides coverage for homes and automobiles and uses a proprietary risk management process for its commercial lines. The agency has been included in the 2016 Best Practices Agencies by the Independent Insurance Agents & Brokers of America.

  • Life Insurance

3540 Wheeler Road, Augusta, GA 30909
WebsiteLicense: 202855

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

With over 25 years of experience in the insurance industry, Jual's Agency Inc caters to individuals, families, and businesses in Augusta. It delivers a broad range of insurance products and services, including life insurance, auto insurance, home insurance, and business insurance. The agency also offers accident and moving violation forgiveness coverage. In addition, Jual's Agency Inc serves clients in Alabama, Georgia, and South Carolina. One client praised owner Jualdene Fox Kitt for her knowledge in the insurance business.

  • Life Insurance

130 North Washington Street, Lincolnton, GA 30817
WebsiteLicense: 355231

Expertise.com Rating

Review Sources

Google
4.0 (96)

Why choose this provider?

BBWH Insurors is a team of independent risk management professionals serving the Augusta area. Included in its product line is life insurance, which covers disability and key men insurance. The former covers lost income in case the policyholder suffers from an illness or injury while the latter can be converted into retirement incentives for key employees. BBWH Insurors started as a one-man agency back in 1888, and it now has over 18 team members who serve over 5,000 clients.

  • Life Insurance
  • Whole Life Insurance
  • Long Term Care

3228 Washington Road, Augusta, GA 30907
WebsiteLicense: 3092066

Expertise.com Rating

Review Sources

Google
4.9 (36)
Facebook
4.0 (15)

Why choose this provider?

Anthony Thuan is a State Farm insurance agent who provides insurance plans for the residents of Augusta and the surrounding communities. He craft insurance policies like term life, universal life, and whole life insurance. He also offers motorcycle, homeowners', and renters' insurance. Additionally, he deals with contractors' and business owner's policies, workers' compensation coverage, surety and fidelity bonds, and commercial auto insurance. His team also works on vehicle refinancing, home purchasing, and home equity lines.

  • Life Insurance

1214 West Medical Park Road, Augusta, GA 30909

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
4.0 (4)

Why choose this provider?

Augusta Insurance Professionals provides insurance services to its clients throughout the Augusta area. It offers a comprehensive range of personal insurance products, including life insurance, annuities, and retirement plans. It assists its clients in selecting the life insurance policy with the level of coverage suited to their needs. Moreover, the company provides homeowners' and auto insurance plans. Augusta Insurance Professionals also offers a cashback program, wherein clients can get cashback on their premiums after three consecutive years without claims.

  • Life Insurance

921 Georgia Avenue, North Augusta, SC 29841
WebsiteLicense: 753734

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

Heath Insurance & Financial Group addresses the needs of customers in Augusta. Its owner, Chris Health, has been in the industry for over 35 years, helping people protect themselves and their future. He offers comprehensive life insurance policies that include term and whole life coverage. Chris also has options for home, auto, business, and toys insurance. The company supports individuals and families affected by food insecurity through the Feeding Lives Together program. It is a member of the First Choice Agents Alliance.

  • Life Insurance
  • Health Insurance

1126 Broad St, Augusta, GA 30901
WebsiteLicense: 3234281

Expertise.com Rating

Review Sources

Google
4.0 (59)
Facebook
5.0 (9)
Yelp
5.0 (3)

Why choose this provider?

Mike Ingham is a State Farm agent and loan originator serving clients in the Augusta area. He offers life, auto, home, small business, and commercial insurance. He also offers banking products and mortgage services. Together with his team, Mike assists both English-speaking and Spanish-speaking customers. He and his team have over 38 years of combined industry experience. Being born and raised in Augusta, Mike has an in-depth understanding of the culture and establishes a deep-rooted connection with the locals of the communities.

  • Life Insurance

2506 Peach Orchard Road, Augusta, GA 30906
WebsiteLicense: 153180

Expertise.com Rating

Review Sources

Google
4.0 (5)

Why choose this provider?

First Choice Insurance & Financial Services is a family-owned business based in Augusta that consists of insurance specialists and customer service representatives. For over three decades, the business has been addressing the life insurance needs of individuals and families in the area with term and whole life policies. Moreover, the company's agents are knowledgeable about personal and commercial lines insurance. With access to several carriers, they help clients obtain title bonds, professional liability, and personal umbrella plans.

  • Life Insurance
  • Health Insurance
  • Individual Plans

108 Davis Road, Martinez, GA 30907
WebsiteLicense: 70446

Expertise.com Rating

Review Sources

Google
4.0 (13)
Facebook
5.0 (7)

Why choose this provider?

Bagwell Insurance Services is an independent insurance agency in Augusta. It provides a wide range of personal insurance products and services, including life insurance, auto insurance, home insurance, and classic car insurance. Its life insurance policies include term life, whole life, and universal life insurance. Its professionals also offer various commercial insurance products for farms, apartment owners, artisans, and convenience stores. Bagwell Insurance Services represents many insurance carriers and is committed to monitoring the local marketplace continually.

  • Life Insurance

FAQs

  • Do insurance companies in Augusta consider gender as a determining factor in setting life insurance rates?

    Life insurance providers in Augusta take gender into account when calculating premiums. Women enjoy lower premiums compared to men due to their longer average life expectancy. Statistically, men exhibit a higher likelihood of participating in risky activities, undertaking hazardous occupations, and experiencing heart disease. These factors contribute to this pricing difference.

  • What benefits does purchasing life insurance with living benefits offer to residents of Augusta?

    A life insurance policy with living benefits offers an additional layer of security for residents of Augusta and their families because, unlike traditional policies, this type of insurance does not require the policyholder to pass away to make use of its benefits. In fact, these living benefits can be accessed as soon as 30 days after the policy is issued. The payout is typically made directly to the policyholder.

  • What services are covered by a long-term care policy in Augusta?

    Long-term care refers to a type of life insurance policy designed to support elderly residents of Augusta by providing assistance with their medical needs and daily tasks. These services are typically necessary as a result of the aging process, chronic illnesses, or disabilities. Long-term care insurance helps policyholders handle the costs associated with nursing home care, assisted living facilities, and home healthcare services.

  • Is there a specific situation in which term life insurance can be especially beneficial to Augusta residents?

    A suitable application for term life insurance involves protecting an Augusta resident's mortgage. A term policy can be aligned with the predetermined duration for mortgage repayment. This means term life insurance helps ensure that the family of the policyholder can continue meeting their financial obligations associated with the mortgage, reducing the prospect of asset loss.

  • What are the advantages of universal life insurance over other types of life insurance in Augusta?

    Universal life insurance provides policyholders in Augusta with the flexibility to modify premium payments and death benefits. This is done by combining a death benefit with a savings or investment element. It also accumulates cash value throughout the policyholder's lifetime. The cash can be used to pay premiums or address various financial requirements.

  • 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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