Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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UPDATED: Oct 30, 2020

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We offer Georgia residents life insurance from several of the best GA life insurance companies. Life insurance is very similar from state-to-state, with a few exceptions, so your Georgia life insurance rates may vary.

However, this guide should help you understand the differences in Georgia life insurance as well as find resources in your state. We’ll also show you how to get the best life insurance in Georgia.

Before we dive into this guide, find affordable Georgia life insurance rates by clicking on our FREE quote tool above. Get started now.

Table of Contents

Georgia Life Insurance Quotes

We offer Georgia residents life insurance from several A-rated life insurance companies. Life insurance is very similar from state to state, with a few exceptions. This guide should help you understand the differences as well as find resources in your state.

Policy Cost – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies then approved by the State Insurance Department.

Company Availability – Not all companies are available in every state. For example, if a life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.

Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a child insurance rider on their policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on the life insurance companies in the list below.

Georgia life insurance also offers residents a 10-day free look period, 30-day grace period, and a timely payment of death benefit claims.

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Life Insurance Rates in Georgia

For a ballpark figure of what Georgia life insurance rates look like, check out the chart below to see what the top companies charge based on age, marital status, and gender for both smokers and non-smokers. Your Georgia life insurance quotes may be different, especially if you smoke.

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Also keep in mind that when it comes to Georgia life insurance policies, term life is generally cheaper than whole life insurance policies. So, if you want a whole life policy, you can expect to pay more. 

In this next chart, you can also see how many Georgia life insurance companies there are in comparison to other southern states.

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As you can see in the above chart, 13 life insurance companies operate specifically in the state of Georgia. 

By using our free quote comparison tool on this page, you can save money and get access to the best Georgia life insurance. 

Georgia Guaranty Association

State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of all insurance companies licensed to sell life insurance, health insurance and annuities in the state. If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to defined limits.

In Georgia, a life insurance policy is protected up to $300,000. This amount is the maximum benefit provided for any one life. In other words, multiple policies on any one person are limited to this amount.

Georgia Life Insurance Contacts

Here is a list of all the necessary state contacts for residents with Georgia life insurance claims and other related matters.

Guaranty Association

If you need information about a Georgia life insurance or health insurance guaranty, contact the Georgia Life & Health Insurance Guaranty Association at 1-770-621-9835 or visit the website.

Insurance Department

For the latest updates from the Georgia Department of Insurance, contact the Office of Insurance and Safety Fire Commissioner by phone at 1-800-656-2298 or visit the website. Here, you’ll find up-to-date information about all types of insurance in the state, including plans like the Georgia employee ERSGA life insurance, learn about Georgia life insurance laws, and gain access to any current Georgia life insurance license record.

You can also access information about the former Life Insurance Company of Georgia, which was acquired by Jackson National. The Life Insurance Company of Georgia, also known as Life of Georgia’s, headquarters was located in Midtown Atlanta before Jackson National acquired it. If you need to contact Jackson National about the company, you can still do so. The Life of Georgia Insurance contact number is 1-800-490-0246.

Legal Info

QuickQuote is licensed to sell life insurance in Georgia under Agency License Number 103128.

The licensed company principal is Tim Bain, Agent License Number 599195.

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Georgia Life Insurance Companies

American General Life Insurance Company

Banner Life Insurance Company

Fidelity Life Association

Haven Life / MassMutual

John Hancock Life Insurance Company

Lincoln National Life Insurance Company

Metlife Life Insurance Company

North American Company for Life & Health Insurance

Pacific Life & Annuity Company

Principal Life Insurance Company

Protective Life Insurance Company

Pruco Life Insurance Company (Prudential)

Sagicor Life Insurance Company

The Savings Bank Life Insurance Company of Massachusetts (SBLI)

Transamerica Life Insurance Company

United of Omaha Life Insurance Company

Don’t wait — Use our free quote tool to get affordable life insurance rates in Georgia. Get started now.