Best Life Insurance in Columbus, GA (October 2024)


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If you're looking for the best life insurance in Columbus, Georgia, Protective tops the list for men and women. With a MoneyGeek score of 92 for both genders, it offers an average monthly premium of $38 for men and $28 for women. The score and premium costs are based on a 20-year term policy with $500,000 coverage.

There are different factors to consider when deciding what type of life insurance to buy. Your unique needs 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 Columbus, 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 InsuranceColumbus, GA
2024

Best Life Insurance Companies in Columbus

Overall Best Life Insurance in Columbus, GA

How was this MoneyGeek score calculated?

In Columbus, Protective offers the best life insurance for men and women, with a MoneyGeek score of 92 out of 100 for each. Its average monthly premium is $38 for men and $28 for women.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $38 per month for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $47 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 92 out of 100 at $28 per month for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $35 per month for women

Protective stands out due to its high MoneyGeek score and competitive premiums. The company excels in affordability and customer satisfaction, making it a reliable choice for the average individual looking to purchase life insurance in Columbus.

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MoneyGeek Top Pick
Protective

In Columbus, Protective is the best life insurance provider for men and women, with a MoneyGeek score of 92 for each. The average monthly premium for men is $38, while for women, it's $28. These rates reflect the company's commitment to affordability. Its high scores in customer satisfaction and financial stability make it a reliable choice for life insurance needs in Columbus.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Financially stable

Cons:

  • Buying process could improve

Best Term Life Insurance in Columbus, GA

How was this MoneyGeek score calculated?

For those searching for the best term life insurance in Columbus, Protective stands out with a MoneyGeek score of 92 for men and women. Men can expect an average monthly premium of $19, while women are quoted $15 per month. Protective's strong combination of customer satisfaction, affordability and financial stability makes it a top choice for the average individual prioritizing value and security in their life insurance selection.

The top two term life insurance companies for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $19 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $23 per month for men

For women, the top two are:

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

Term life insurance provides coverage for a specified period, offering a death benefit to beneficiaries if the insured passes away during the term. For example, a parent might choose term life insurance to ensure their child's education expenses are covered until graduation. This type of policy is often preferred for its simplicity and lower premiums compared to permanent life insurance.

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MoneyGeek Top Pick
Protective

Protective is the top choice for term life insurance in Columbus for men and women, with a MoneyGeek score of 92 for both. It offers an average monthly premium of $19 for men and $15 for women, balancing cost and quality coverage.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Buying process could improve
  • More product variety needed

Best Whole Life Insurance in Columbus, GA

How was this MoneyGeek score calculated?

For those in Columbus seeking the best whole life insurance, Protective stands out with a MoneyGeek score of 92 for men and women. This top score indicates that Protective excels in affordability, customer satisfaction and financial stability, making it a solid choice for the average individual looking for reliable insurance coverage.

Top whole life companies for men in Columbus:

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

Top whole life companies for women in Columbus:

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

Whole life insurance provides a guaranteed death benefit, fixed premiums and a savings component that builds cash value. For example, someone might choose whole life insurance to ensure lifelong coverage and to accumulate cash value as a potential source of funds in the future.

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MoneyGeek Top Pick
Protective

Protective is the premier choice for the best whole life insurance in Columbus for men and women, with a MoneyGeek score of 92 for each.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong 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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Insurance Rates

Best Universal Life Insurance in Columbus, GA

How was this MoneyGeek score calculated?

Protective provides the best universal life insurance in Columbus, with a MoneyGeek score of 91 for men and women. Protective offers a superior balance of affordability, customer satisfaction and financial stability, making it an excellent choice for the average individual seeking a reliable universal life insurance policy.

Best universal life insurance for men:

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

Best for women's universal life insurance:

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

Universal life insurance is a flexible policy that allows policyholders to adjust their premiums and death benefits. For example, someone might choose universal life insurance over term life insurance for the potential cash value growth that can serve as a financial resource during their lifetime.

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MoneyGeek Top Pick
Protective

Protective is the clear leader for men and women seeking universal life insurance in Columbus. With a MoneyGeek score of 91 for both genders, Protective stands out for its commitment to customer satisfaction and affordability.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in Columbus, GA

How was this MoneyGeek score calculated?

Protective provides the best no-medical-exam life insurance in Columbus for men and women, with a MoneyGeek score of 91 for each. This score reflects the company's commitment to affordability, customer satisfaction and financial stability, making it an optimal choice for individuals seeking reliable coverage without needing a medical examination.

Best no-medical-exam life insurance for men:

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

Best life insurance for women that does not require a medical exam:

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

Life insurance with no mandatory medical exam allows individuals to obtain coverage swiftly and without needing a medical check-up. This can be particularly advantageous for those who require immediate coverage or have health concerns that might otherwise complicate the insurance process.

mglogo
MoneyGeek Top Pick
Protective

For men and women in Columbus, Protective provides the best life insurance without a required medical exam. Its MoneyGeek score of 91 for both genders reflects the company's commitment to satisfying customer needs and offering value through its policies.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Reliable 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 Columbus, GA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for seniors in Columbus, with a MoneyGeek score of 92 for men and women. Its average monthly premiums are $80 and $63, respectively.

Age significantly affects life insurance premiums; the likelihood of health issues increases as you age, leading to higher costs. Protective's top scores reflect its commitment to customer satisfaction, a smooth buying process, product diversity and financial stability. These factors contribute to the trust seniors place in Protective when seeking dependable coverage.

Best Term Life Insurance for Seniors in Columbus
Data filtered by:Results filtered by:
gender:
gender:M
1Protective$8092
2Mutual of Omaha$9491
3Nationwide$7991
4AAA$11088
5Allstate$9888
6Prudential$9487
7State Farm$14285
8Haven$18282

Best Term Life Insurance for Smokers in Columbus, GA

How was this MoneyGeek score calculated?

Mutual of Omaha stands out for men and women in Columbus searching for the best term life insurance for smokers. It offers competitive rates and reliable coverage. For men, it has a MoneyGeek score of 91 and an average monthly premium of $52. For women, it has a MoneyGeek score of 88 and a monthly premium of around $45.

Smoking influences life insurance premiums significantly due to the associated health risks, often leading to higher costs for policyholders. Mutual of Omaha's high scores reflect a balance of affordability, customer satisfaction and financial stability, making it an attractive option for smokers seeking term life insurance.

Best Term Life Insurance for Smokers in Columbus
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$5291
2Nationwide$5389
3Allstate$4688
4AAA$5888
5Protective$7688
6Prudential$4388
7State Farm$7086
8Haven$9482

Best Term Life Insurance for Young Adults in Columbus, GA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance for young adults in Columbus, Protective stands out with a MoneyGeek score of 92 for men and women. Its average monthly premiums are $12 and $9, respectively.

Age significantly affects life insurance premiums. Younger individuals generally pay lower premiums because they pose a lower risk to insurers. Protective's high MoneyGeek score reflects its strong performance in affordability, customer satisfaction and financial stability. These factors make it an excellent choice for young adults in Columbus looking for reliable and cost-effective term life insurance.

Best Term Life Insurance for Young Adults in Columbus
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$1292
2Mutual of Omaha$1491
3Nationwide$1490
4AAA$1788
5Allstate$1886
6Prudential$1985
7State Farm$2484
8Haven$2084
9Bestow$2783

Best Cheap Term Life Insurance in Columbus, GA

How was this MoneyGeek score calculated?

Protective offers the best cheap term life insurance in Columbus for men and women, with a MoneyGeek score of 92 for each. The average monthly premium is $19 for men and $15 for women. Protective's high MoneyGeek score reflects its strong affordability, customer satisfaction and financial stability.

Factors affecting life insurance premiums include age, health, coverage amount and term length. Younger individuals and those in excellent health generally receive lower premiums. Choosing a lower coverage amount or a shorter term can also reduce costs.

Best Cheap Term Life Insurance in Columbus
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$1992
2Nationwide$2291
3Mutual of Omaha$2390
4AAA$2787
5Allstate$2886
6Prudential$2885
7Haven$3483
8State Farm$3882

Average Cost of Term Life Insurance in Columbus, GA

In Columbus, the average monthly premium for term life insurance is $29 for women and $41 for men.

Many factors affect the cost of life insurance premiums, including age, health status, lifestyle choices and occupation. For example, younger individuals or those in good health typically pay lower premiums. Conversely, smokers or those with high-risk jobs might see higher costs.

The cost of life insurance in Columbus may differ from the rest of Georgia for several reasons. Regional health statistics can play a role — areas with higher rates of chronic illnesses might see higher premiums. Economic conditions, such as average income levels and cost of living, can also influence insurance costs. Additionally, lifestyle factors prevalent in Columbus, such as local dietary habits or recreational activities, might impact premiums.

Understanding these elements can help consumers make informed decisions when purchasing life insurance.

FAQ About Life Insurance in Columbus, GA

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

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.


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