Best Life Insurance in Augusta-Richmond, GA (October 2024)


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Protective is the best life insurance provider in Augusta-Richmond, Georgia, with a MoneyGeek score of 92 out of 100. Its average monthly premiums are $29 for men and $25 for women. These scores and costs are based on a 20-year term policy with $500,000 coverage.

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

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 Augusta-Richmond, 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 InsuranceAugustaRichmond
2024

Best Life Insurance Companies in Augusta-Richmond

Overall Best Life Insurance in Augusta-Richmond, GA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Augusta-Richmond, with a MoneyGeek score of 92 and average monthly premiums of $29 for men and $25 for women.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $29 per month
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $37 per month

Top providers for women:

  • Protective: MoneyGeek score of 92 out of 100 at $25 per month
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $32 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 Augusta-Richmond's best life insurance provider, with a MoneyGeek score of 92 and average monthly premiums of $29 for men and $25 for women. It offers affordability without compromising on quality or service.

Pros:

  • High customer satisfaction
  • Affordable policies
  • Stable financial foundation

Cons:

  • Buying process needs improvement

Best Term Life Insurance in Augusta-Richmond, GA

How was this MoneyGeek score calculated?

Protective has the best term life insurance in Augusta-Richmond, with a MoneyGeek score of 92 and average monthly premiums of $15 for men and $13 for women. Its high customer satisfaction and product diversity 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 $13 per month
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $18 per month

Term life insurance provides coverage for a specific period. It's an affordable and straightforward way to provide financial security for one's beneficiaries. For example, a parent might purchase a 20-year term life insurance policy to ensure funding for their child's education in case of their untimely death.

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MoneyGeek Top Pick
Protective

In Augusta-Richmond, Protective is the best term life insurance provider, earning a MoneyGeek score of 92. It balances affordability and high-quality service with low monthly premiums of $15 for men and $13 for women.

Pros:

  • High customer satisfaction
  • Affordable coverage
  • Strong financial stability

Cons:

  • Buying process could be smoother

Best Whole Life Insurance in Augusta-Richmond, GA

How was this MoneyGeek score calculated?

Protective offers the best whole life insurance in Augusta-Richmond, with a MoneyGeek score of 92 for men and women. The company performs strongly in affordability, 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 provides lifelong coverage and builds cash value, which is excellent for long-term financial security. Unlike term life, which doesn’t build cash value, it’s a good option for those who want both insurance and a savings component.

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MoneyGeek Top Pick
Protective

In Augusta-Richmond, 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 rates
  • 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 Augusta-Richmond, GA

How was this MoneyGeek score calculated?

Protective has Augusta-Richmond's best universal life insurance, with a MoneyGeek score of 91 for men and women. The company's high score indicates 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

Universal life insurance offers flexible premium payments and potential cash value growth, making it a good option for long-term financial planning. It’s often chosen for estate planning because it can provide heirs with both a legacy and living benefits.

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MoneyGeek Top Pick
Protective

Protective is Augusta-Richmond'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 premiums
  • Strong financial stability

Cons: None

Best No-Medical-Exam Life Insurance in Augusta-Richmond, GA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Augusta-Richmond without a medical exam requirement. 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 quick coverage or with health conditions that might lead to denial or higher premiums with traditional insurance.

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MoneyGeek Top Pick
Protective

In Augusta-Richmond, 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 and customer satisfaction.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Solid financial stability

Cons:

  • Buying process could improve

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Augusta-Richmond, GA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for seniors in Augusta-Richmond, with a MoneyGeek score of 92 and average monthly premiums of $62 for men and $57 for women.

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

Best Term Life Insurance for Seniors in Augusta-Richmond
Data filtered by:Results filtered by:
gender:
gender:M
1Protective$6292
2Mutual of Omaha$7391
3Nationwide$6291
4AAA$8688
5Allstate$7788
6Prudential$7387
7State Farm$11185
8Haven$14182

Best Term Life Insurance for Smokers in Augusta-Richmond, GA

How was this MoneyGeek score calculated?

Mutual of Omaha provides the best term life insurance for smokers in Augusta-Richmond, with MoneyGeek scores of 91 for men and 88 for women. The average monthly premium is $41 for both.

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 Augusta-Richmond
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$4191
2Nationwide$4189
3Allstate$3688
4AAA$4588
5Protective$5988
6Prudential$3388
7State Farm$5486
8Haven$7382

Best Term Life Insurance for Young Adults in Augusta-Richmond, GA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for young adults in Augusta-Richmond, with a MoneyGeek score of 92 and average monthly premiums of $9 for men and $8 for 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 Augusta-Richmond
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$992
2Mutual of Omaha$1191
3Nationwide$1190
4AAA$1388
5Allstate$1486
6Prudential$1585
7State Farm$1984
8Haven$1584
9Bestow$2183

Best Cheap Term Life Insurance in Augusta-Richmond, GA

How was this MoneyGeek score calculated?

In Augusta-Richmond, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and average monthly premiums of $15 for men and $13 for women.

Various factors affect life insurance costs, including age, health, coverage amount and term length. To get the lowest premiums, maintain good health, choose a shorter term length and opt for a higher deductible, if possible.

Best Cheap Term Life Insurance in Augusta-Richmond
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$1592
2Nationwide$1791
3Mutual of Omaha$1890
4AAA$2187
5Allstate$2286
6Prudential$2285
7Haven$2783
8State Farm$2982

Average Cost of Term Life Insurance in Augusta-Richmond, GA

The average monthly premiums for term life insurance in Augusta-Richmond are $32 for men and $27 for women.

Several factors affect life insurance costs, including age, health, lifestyle, occupation, coverage amount and policy term. Premiums in Augusta-Richmond may differ from those in other parts of Georgia due to local health trends, the cost of living and regional risk factors like occupations or lifestyle choices. Understanding these factors helps you choose a policy that fits your needs and circumstances.

FAQ: Life Insurance in Augusta-Richmond, GA

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

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.