Best Life Insurance in Athens-Clarke, GA (October 2024)


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Protective is the best life insurance provider in Athens-Clarke, Georgia, with a MoneyGeek score of 92 out of 100. The average monthly premiums are $30 for men and $28 for women. These scores and costs are based on a 20-year term policy with $500,000 coverage.

Your unique situation may mean a different company is best for you. When deciding on life insurance, consider your age, health and coverage needs.

Why Trust MoneyGeek? We analyzed 1,488 life insurance quotes alongside customer satisfaction, financial stability reports, product offerings and more to determine the best life insurance companies in Athens-Clarke, Georgia.

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Coverage costs and company information for life insurance providers were updated in October 2024.

1,488Quotes Analyzed
 
14Companies Compared
 
50ZIP Codes
MoneyGeek Logo IconBestLife InsuranceAthens-Clarke
2024

Best Life Insurance Companies in Athens-Clarke

Overall Best Life Insurance in Athens-Clarke, GA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Athens-Clarke, with a MoneyGeek score of 92 and average monthly premiums of $30 for men and $28 for women.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $30 per month
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $38 per month

Top providers for women:

  • Protective: MoneyGeek score of 92 out of 100 at $28 per month
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $36 per month

Protective's strong balance of affordability, customer satisfaction and financial stability makes it the top choice for life insurance.

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MoneyGeek Top Pick
Protective

Protective is Athens-Clarke's best life insurance provider, with a MoneyGeek score of 92 and average monthly premiums of $30 for men and $28 for women. It combines cost efficiency with exceptional service quality.

Pros:

  • High customer satisfaction
  • Affordable policies
  • Strong financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Athens-Clarke, GA

How was this MoneyGeek score calculated?

Protective has the best term life insurance in Athens-Clarke, with a MoneyGeek score of 92 and an average monthly premium of $15 for men and women. Its high affordability, customer satisfaction and financial stability scores make it a top choice for reliable coverage.

Top term life insurance companies for men:

  • Protective: MoneyGeek score of 92 out of 100 at $15 per month
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $18 per month

Top term life insurance companies for women:

  • Protective: MoneyGeek score of 92 out of 100 at $15 per month
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $20 per month

Term life insurance provides coverage for a certain period, or "term," after which the policy expires. For instance, a parent might get this insurance to ensure funding for their child's education in case of their untimely death.

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MoneyGeek Top Pick
Protective

In Athens-Clarke, Protective is the best term life insurance provider, earning a MoneyGeek score of 92. It balances cost and quality with a low monthly premium of $15 for men and women.

Pros:

  • High customer satisfaction
  • Exceptional value for the cost
  • Stable financial outlook

Cons:

  • Buying process could be smoother

Best Whole Life Insurance in Athens-Clarke, GA

How was this MoneyGeek score calculated?

Protective is the best whole life insurance provider in Athens-Clarke, with a MoneyGeek score of 92 for men and women. The company performs strongly in customer satisfaction and financial stability.

  • Protective: MoneyGeek score of 92 out of 100 for men and women
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 for men and women

Whole life insurance is permanent coverage that lasts as long as premiums are paid. It offers lifelong protection and builds cash value, which can be used later as a financial resource. People may choose whole life insurance over term life for estate planning or to provide long-term support for dependents.

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MoneyGeek Top Pick
Protective

In Athens-Clarke, Protective is the leading provider of whole life insurance, earning a MoneyGeek score of 92 for men and women. This reflects a good balance of customer satisfaction and affordability.

Pros:

  • High customer satisfaction
  • Competitive pricing
  • Solid financial stability

Cons:

  • Buying process could improve

Compare Life Insurance Rates

Ensure you're getting the best rate for your life insurance. Compare quotes from top providers to find the most affordable life insurance coverage for your needs.

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Best Universal Life Insurance in Athens-Clarke, GA

How was this MoneyGeek score calculated?

Protective has Athens-Clarke's best universal life insurance, with a MoneyGeek score of 91 for men and women. The company's high score indicates a strong combination of affordability, customer satisfaction and financial stability.

  • Protective: MoneyGeek score of 91 out of 100 for men and women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men and women

Universal life insurance offers flexible premiums and death benefits, making it a smart option for long-term financial planning and cash value growth potential. For instance, someone who wants the flexibility to adjust their premiums based on their financial situation might choose it over more rigid term life policies.

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MoneyGeek Top Pick
Protective

Protective is Athens-Clarke's leading universal life insurance provider. With a MoneyGeek score of 91 for men and women, it stands out for its affordability, quality service and financial stability.

Pros:

  • High customer satisfaction
  • Affordable rates
  • Strong financial stability

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in Athens-Clarke, GA

How was this MoneyGeek score calculated?

Protective offers the best life insurance without a medical exam requirement in Athens-Clarke. Its MoneyGeek score of 91 for men and women reflects a strong balance of affordability, customer satisfaction and financial stability.

  • Protective: MoneyGeek score of 91 out of 100 for men and women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men and women

Life insurance with no mandatory medical exam provides coverage without a health checkup. It benefits those needing immediate coverage or have health conditions that might complicate a traditional insurance application.

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MoneyGeek Top Pick
Protective

In Athens-Clarke, Protective is the top choice for life insurance without the hassle of a medical examination. Its MoneyGeek score of 91 for men and women reflects a balance of affordability, customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Solid financial stability

Cons:

  • Buying process could improve

How Much Life Insurance Do You Need?

Answer three simple questions to get your recommended coverage amount.

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Best Term Life Insurance for Seniors in Athens-Clarke, GA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for seniors in Athens-Clarke, with a MoneyGeek score of 92 and average monthly premiums of $64 for men and $63 for women.

Age affects premiums because the risk of health issues rises as people get older. Insurers factor this into their pricing. Protective's high score shows strong customer satisfaction and financial stability, both key when picking a reliable life insurance provider for seniors.

Best Term Life Insurance for Seniors in Athens-Clarke
Data filtered by:Results filtered by:
gender:
gender:M
1Protective$6492
2Mutual of Omaha$7591
3Nationwide$6391
4AAA$8888
5Allstate$7988
6Prudential$7587
7State Farm$11385
8Haven$14582

Best Term Life Insurance for Smokers in Athens-Clarke, GA

How was this MoneyGeek score calculated?

Mutual of Omaha provides the best term life insurance for smokers in Athens-Clarke, with MoneyGeek scores of 91 for men and 88 for women. Monthly premiums average $42 for males and $46 for females.

Smoking increases life insurance premiums due to health risks. Mutual of Omaha’s top scores for affordability, satisfaction, stability and product options make it the top choice for smokers.

Best Term Life Insurance for Smokers in Athens-Clarke
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$4291
2Nationwide$4289
3Allstate$3788
4AAA$4688
5Protective$6188
6Prudential$3488
7State Farm$5686
8Haven$7582

Best Term Life Insurance for Young Adults in Athens-Clarke, GA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for young adults in Athens-Clarke, with a MoneyGeek score of 92 and an average monthly premium of $9 for men and women.

Age is a significant factor in life insurance premiums because younger adults typically have fewer health issues, posing less risk to insurers. Protective's high MoneyGeek score is due to its strong customer satisfaction, affordability and financial stability.

Best Term Life Insurance for Young Adults in Athens-Clarke
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$992
2Mutual of Omaha$1291
3Nationwide$1190
4AAA$1388
5Allstate$1586
6Prudential$1585
7State Farm$1984
8Haven$1684
9Bestow$2283

Best Cheap Term Life Insurance in Athens-Clarke, GA

How was this MoneyGeek score calculated?

In Athens-Clarke, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and an average monthly premium of $15 for men and women.

Age, health and coverage amount influence life insurance costs. To get the lowest premiums, maintain good health, avoid tobacco use and compare quotes from different insurers.

Best Cheap Term Life Insurance in Athens-Clarke
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$1592
2Nationwide$1791
3Mutual of Omaha$1890
4AAA$2187
5Allstate$2286
6Prudential$2385
7Haven$2883
8State Farm$3082

Average Cost of Term Life Insurance in Athens-Clarke, GA

In Athens-Clarke, the average monthly term life insurance premiums are $32 for men and $29 for women. Age, health, lifestyle and occupation impact these costs. Younger or healthier policyholders may pay less, while those with risky jobs or health issues might pay more.

Local health trends, lifestyle and the economy can also affect premiums. Higher chronic illness rates or lower incomes in the area could lead to higher costs. Knowing these factors helps consumers make better life insurance choices.

FAQ: Life Insurance in Athens-Clarke, GA

What company has the best life insurance in Athens-Clarke for men?
What is the monthly premium for the best life insurance for men in Athens-Clarke?
What company has the best life insurance in Athens-Clarke for women?
What is the monthly premium for the best life insurance for women in Athens-Clarke?
Is there anything different about life insurance in Athens-Clarke compared to the rest of Georgia?
What happens to your life insurance if a company goes bankrupt in Athens-Clarke?
Why might Athens-Clarke residents need life insurance?
How do you find a lost life insurance policy in Athens-Clarke?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.