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Georgia Life Insurance [2024]

This guide provides you with basic information about insurance in Georgia, including insurance companies and rates. Georgia insurance law protects residents and beneficiaries in the event of an insurance company insolvency.

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Written by:

Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

Reviewed by:

Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

Licensed Insurance Agent

UPDATED: Feb 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

UPDATED: Feb 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Quick Facts

Georgia residents are offered life insurance from several of the best Georgia insurance companies.

However, this guide should help you understand the different types of term life insurance and permanent life insurance available in Georgia 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 entering your ZIP code into our FREE quote tool above.

Table of Contents

How can I get Georgia life insurance quotes?

You can get free life insurance quotes in Georgia right here with our comparison tool. We offer Georgia residents life insurance from several A-rated life insurance companies.Read More: The Cost of Life Insurance

Life insurance is very similar from state to state, with a few exceptions. This guide will help you understand the differences as well as find resources in your state.

This Georgia life insurance guide will not, however, discuss auto insurance companies in Georgia.

Life insurance quotes in Georgia are impacted by:

Policy Cost – The premium (insurance 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 Ga Dept of Insurance.

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 life insurance 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 timely payment of death benefit claims.

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How much is life insurance 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 based on your lifestyle, especially if you smoke.

One of the biggest decisions people make when buying life insurance is between term vs. permanent life insurance and which is a better fit for their needs.

When making this decision, keep in mind that when it comes to Georgia life insurance policies, term life policies are 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.

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.

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Read more:

What are some Georgia life insurance companies?

At QuickQuote, we provide detailed reviews on some of the most popular life insurance companies, to help you get started on your search process.

We understand that shopping around for a life insurance company can be a difficult task, so we try to save you time and stress through these reviews.

Here’s a list of some life insurance companies in Georgia:

Enter your ZIP code into our free quote tool below to get instant, free quotes from these and other local Georgia life insurance companies today.

Why do you need life insurance?

Life insurance coverage allows you to financially protect your loved ones and your assets in the event of death. It also gives you peace of mind knowing that if you were to pass away, your beneficiaries would have financial help.

The hardest part of purchasing life insurance is deciding which company and which policy to go with. We recommend assessing your and your beneficiaries’ needs and discussing your options with your insurance provider and a financial planner.

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What are Georgia’s life insurance laws?

Per Georgia life insurance laws, state guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company’s insolvency.

The Georgia guaranty association is made up of all insurance companies with a GA insurance license that sell life insurance, health insurance, and annuities in the state. (For more information, read our “How to Sell Your Life Insurance Policy“).

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.

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

What are Georgia’s life insurance resources & 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 their website.

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Georgia 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 their website.

On the Office of Insurance and Safety Fire Commissioner’s website, you’ll find up-to-date information about all types of insurance in the state, including plans like the Georgia employee ERSGA life insurance.

You can also 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, 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.

If you’re looking for a life insurance company in Georgia, we can help. Enter your ZIP code into our free quote tool to get instant, free quotes and buy Georgia life insurance today.

Frequently Asked Questions

How can I get free insurance quotes in Georgia?

How can I get free insurance quotes in Georgia?

You can get free insurance quotes in Georgia by using our comparison tool. We offer quotes from several A-rated insurance companies.

How much does insurance cost in Georgia?

How much does insurance cost in Georgia?

The cost of insurance in Georgia varies based on factors such as age, marital status, and lifestyle. You can get a ballpark figure by checking out our chart based on these factors.

What are some insurance companies in Georgia?

What are some insurance companies in Georgia?

Some insurance companies in Georgia include [provide a list of companies]. You can get instant quotes from these companies by entering your ZIP code into our free quote tool.

Why do I need insurance?

Why do I need insurance?

insurance provides financial protection for your loved ones and assets in the event of your death. It gives you peace of mind knowing that your beneficiaries will have financial assistance.

What are Georgia’s insurance laws?

What are Georgia’s insurance laws?

Georgia insurance laws include protections for policyholders and beneficiaries in the event of an insurance company’s insolvency. The Georgia guaranty association steps in to continue coverage and pay claims up to defined limits.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Written by:

Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

Reviewed by:

Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

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We've been helping people buy life insurance online for over 23 years. In fact, we launched our first website a full year before Google!

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Disclaimer: QuickQuote.com strives to present the most up-to-date and comprehensive information on saving money on life insurance possible. This information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. All insurance rates, products, and services are presented without warranty and guarantee. When evaluating rates, please verify directly with your insurance company or agent. Quotes and offers are not binding, nor a guarantee of coverage.

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