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2024

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Best Life Insurance Companies in Albany, GA

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Albany 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.

3321Reviewed

1995Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1408 West 3rd Avenue, Albany, GA 31707

Expertise.com Rating

Why choose this provider?

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.

  • Health Insurance

2734 Ledo Road, Suite 3, Albany, GA 31707
WebsiteLicense: 490256

Expertise.com Rating

Review Sources

Google
5.0 (17)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

489 Stonewall Street Southeast, Dawson, GA 39842
WebsiteLicense: 334117

Expertise.com Rating

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

2734 Ledo Road, Albany, GA 31707
WebsiteLicense: 8962537

Expertise.com Rating

Review Sources

Google
4.0 (8)

Why choose this provider?

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.

  • Life Insurance

636 Pointe North Boulevard, Albany, GA 31721
WebsiteLicense: 579518

Expertise.com Rating

Review Sources

Google
4.0 (6)
Facebook
5.0 (2)

Why choose this provider?

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.

  • Life Insurance

121 North Westover Boulevard, Albany, GA 31707
WebsiteLicense: 380035

Expertise.com Rating

Review Sources

Google
4.0 (12)

Why choose this provider?

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.

  • Life Insurance
  • Term Life Insurance

1148 Dawson Road, Albany, GA 31707
WebsiteLicense: 404590

Expertise.com Rating

Review Sources

Facebook
4.7 (15)
Google
5.0 (10)

Why choose this provider?

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.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Moulton & Hardin, Inc.
1408 West 3rd Avenue, Albany, GA 31707
J W Cooper
2734 Ledo Road, Suite 3, Albany, GA 31707
Sandra Rowe
489 Stonewall Street Southeast, Dawson, GA 39842
Dale Hodges Agency, LLC
2734 Ledo Road, Albany, GA 31707
Fleming & Riles Insurance
636 Pointe North Boulevard, Albany, GA 31721
Short Insurance Group
121 North Westover Boulevard, Albany, GA 31707
The Family Agency
1148 Dawson Road, Albany, GA 31707

FAQs

  • How can life insurance applicants and agents compare prices among insurance companies in Albany?

    To make pricing comparisons in Albany, life insurance agents, and potential policyholders can utilize the net payment and the surrender cost index. The net payment index assesses the expenses associated with maintaining the policy over a period of ten to twenty years. Meanwhile, the surrender cost index proves more valuable to those who place a higher emphasis on the cash value of their investment. Opting for a policy with a higher cash surrender value is recommended for applicants.

  • What are the specific provisions that Georgia state law mandates to be included in life insurance policies in Albany?

    Georgia state regulations require Albany life insurance providers to incorporate a grace period of not less than 30 days to pay overdue premiums into their policies. Beneficiaries of policyholders who pass away during this period still receive death benefits. Life insurance policies must also include a suicide clause specifying that if the policyholder commits suicide within two years of the policy's activation, the insurer will only disburse premiums paid plus interest.

  • In Albany, what is the difference between term and permanent life insurance?

    In Albany, term life insurance is considered a cost-effective form of coverage that offers protection for a designated duration that ranges from 10 to 30 years. Insurance firms extend death benefits to the beneficiaries of policyholders who pass away during the policy term. In contrast, permanent life insurance is more expensive but includes a cash value element that grows over time.

  • Which optional riders can be used to customize whole life insurance policies in Albany?

    Various riders are accessible to Albany life insurance policyholders to customize their policies, including accidental benefit coverage. This rider allows for an upfront payout of a portion of the policy's death benefit if the insured experiences a terminal illness. Additionally, policyholders can reinstate their policies without proof of insurability within 90 days of lapse, provided they have suffered a cognitive impairment.

  • What measures are life insurance companies taking to address the distinct insurance requirements of elderly individuals in Albany?

    In Albany, life insurance companies have introduced riders to address the unique insurance requirements of elderly individuals. These provisions are designed to cover the costs associated with assisted living or nursing home care. These supplementary options benefit policyholders who may experience disability or illness as they age. Additionally, older residents can enhance their policies with an add-on that offers extra coverage in the event of accidental death.

  • 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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