Expertise.com

2024

Last updated:

Best Life Insurance Companies in Georgia

Our Recommended Top 13

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 Georgia 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.

479621Reviewed

287777Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Georgia

Expertise.com Rating

Review Sources

Google
4.7 (31)
Facebook
5.0 (16)
Yelp
5.0 (11)

Why choose this provider?

Moore Insurance Agency works with individuals in Georgia and nearby areas. It provides life insurance policies to help people's loved ones meet their financial obligations. Its team also offers commercial and automobile insurance products to assist customers in protecting their investments. The agency provides customized solutions for each client and assists them in filing a claim. Moore Insurance Agency represents several insurance carriers, such as Progressive and Grange Insurance. It has been in operation since 1958.

  • Life Insurance

Georgia

Expertise.com Rating

Review Sources

Google
4.9 (215)

Why choose this provider?

Concierge Insurance Group serves the life insurance needs of individuals and families in Georgia. The independent insurance agency works with several insurance carriers to provide clients with the right coverage to protect their loved ones from uncertainties and unforeseen events. In addition to life insurance, the agency offers a wide range of personal insurance products, including condo, auto, motorcycle, flood, earthquake, and umbrella insurance. It also has bonds and commercial auto insurance plans to business owners.

  • Term Life Insurance
  • Whole Life Insurance
  • Health Insurance

Georgia

Expertise.com Rating

Review Sources

Google
3.9 (7)

Why choose this provider?

Delta Life Insurance Company has been catering to the people of Georgia for more than six decades. The agency specializes in life, property, and casualty insurance products. Its life insurance policies are flexible, accommodating suitable payment rates to clients with different needs who want different levels of coverage. It offers one parent-family policy, a whole life term, graded death benefit, and a 10- and 20-year paid plan. The company was founded by J. Mack Robins and has since expanded to over 10 offices in the state.

  • Life Insurance
  • Whole Life Insurance

Georgia

Expertise.com Rating

Review Sources

Facebook
5.0 (47)
Google
4.4 (17)

Why choose this provider?

Blanton & Griffin Insurance Agency has been in business for more than 90 years. It provides term and whole life insurance policies to clients in the Georgia area who want to provide a tax-free income for their beneficiaries, save for final expenses or estate taxes, or replace lost income after they die. Auto, flood, recreational vehicle, general liability, and workers' compensation coverages are also available. The company represents various insurance firms such as The Hartford, Progressive, Travelers, and Berkshire Hathaway.

  • Life Insurance

Georgia

Expertise.com Rating

Review Sources

Google
4.7 (29)
Facebook
5.0 (28)

Why choose this provider?

Statesboro Agency, Inc., caters to the needs of residents in the state of Georgia. It provides a wide variety of products, including annual renewable, level, and decreasing term life insurance. The firm also handles different types of permanent life plans, such as whole, universal, and variable. In addition, its team of professionals offers coverages for pets, homes, rental properties, condominium units, recreational vehicles, and farms. Statesboro Agency has more than two decades of industry experience.

  • Life Insurance

Georgia

Expertise.com Rating

Review Sources

Google
4.7 (20)
Facebook
5.0 (9)

Why choose this provider?

McCrary-Daniels Insurance Agency works for the residents of Georgia. It helps individuals and families secure their finances for the future by providing life insurance options based on their unique circumstances. It also provides them with policies for auto, home, health, business, and pet insurance. The agency has been serving personal and business clients for over 90 years. It is also a partner of SecureRisk, which represents over 70 of the biggest insurance agencies in the metro.

  • Life Insurance

Georgia

Expertise.com Rating

Review Sources

Google
5.0 (30)
Facebook
4.8 (19)

Why choose this provider?

Kincaid Insurance is an independent agency that serves the state of Georgia. Its team assists clients by offering individual life insurance policies, which help cover final expenses, estate taxes, and income for dependents. The business offers traditional whole life, universal life, and variable universal life insurance policies. Gary Kincaid, the company's owner, has been in the insurance industry for more than four decades. In addition, he has served as chairman of the Tifton-Tift County Planning & Zoning Board.

  • Life Insurance

Georgia

Expertise.com Rating

Review Sources

Google
5.0 (471)
Facebook
4.9 (114)
Yelp
1.0 (1)

Why choose this provider?

Strawn & Co., Insurance, caters to clients across the state of Georgia. It offers individual life insurance products, including annual renewable, whole life, and level term, to help clients protect their future health and lifestyle. It also provides group life insurance for business owners to secure their employees and families. Its team also offers other insurance options for business owners in the legal, healthcare, technology, marine, and financial industries. The insurance company has been operating since 1972.

  • Term Life Insurance
  • Individual Plans
  • Life Insurance

Georgia

Expertise.com Rating

Review Sources

Google
4.8 (25)
Facebook
4.4 (7)

Why choose this provider?

Denton & Tanner Insurance Agency provides risk management solutions in Georgia. It processes different types of personal lines of insurance, helping families and individuals acquire life protection plans. The business furnishes personalized universal, whole, and term life policies to protect policyholders' beneficiaries in cases of unexpected events. Its team works with multiple carriers, such as Progressive, Foremost, Kemper, American Modern, and National Lloyds. The independent company has been in the industry for more than 55 years.

  • Life Insurance

Georgia

Expertise.com Rating

Review Sources

Google
4.8 (24)
Facebook
4.5 (7)

Why choose this provider?

Viall Insurance Agency serves the needs of residents in Georgia. It offers term, variable, universal, and traditional whole life plans. The independent firm’s team of professionals also handles coverages for burial, final expenses, and buy or sell funding. In addition, it provides personal policies for automobiles, boats and watercraft, condominium units, manufactured or mobile houses, rental properties, and homes. Viall Insurance Agency’s principal, Richard Viall, has over 30 years of industry experience. He is a certified insurance counselor.

  • Life Insurance

Georgia

Expertise.com Rating

Review Sources

Facebook
4.2 (28)
Google
4.3 (8)

Why choose this provider?

Craig-Massee Insurance is a locally owned business that caters to clients residing in Georgia. It provides life insurance policies to help customers safeguard their families' financial futures in the event of their demise. As an independent agency, it has connections with a wide variety of carriers, such as American Modern, Progressive, CNA Surety, The Hartford, and Berkshire Hathaway. The company has been in operation since 1952. Its other products include condo, watercraft, church, personal umbrella, renters', and homeowners' insurance.

  • Life Insurance

Georgia

Expertise.com Rating

Review Sources

Google
4.7 (20)
Facebook
1.0 (5)

Why choose this provider?

Jowers Insurance Agency LLC caters to clients in Georgia who require life coverage. These plans include term and permanent policies that serve to compensate beneficiaries should the insured party pass on. The contracts also increase the assets left over for family members to inherit. Non-life options are also available for commercial vehicles and agricultural assets. The company has products sourced from established names, such as Trexis Insurance and Foremost Insurance Group. Its agents have more than 20 years of collective industry experience.

  • Life Insurance

Georgia

Expertise.com Rating

Review Sources

Google
4.3 (15)

Why choose this provider?

Bobby Brown Insurance Agency works with families and businesses in Georgia and nearby areas. It offers term and permanent life insurance products, financially protecting clients and their beneficiaries if they unexpectedly pass away. Its policies include coverage of mortgages and children's education. It also provides health insurance products that help customers pay for surgical, medical, and hospital expenses. Robert Brown, the owner of the agency, is a Certified Insurance Counselor and has more than 50 years of experience in the industry.

  • Life Insurance

FAQs

  • 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.

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