Overall, Protective Insurance offers the best life insurance plans in Georgia and across the country, earning an overall MoneyGeek Score of 4.7 out of 5 for customer service, affordability and coverage options. We also recommend Guardian Life, Lincoln Financial and Prudential as some of the best affordable alternatives.
Best Life Insurance Companies in Georgia (2025)
MoneyGeek scored the best life insurance companies in Georgia based on thousands of quotes and reviews to help you find your ideal policy.
Discover affordable life insurance in Georgia below.
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Updated: October 27, 2025
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Key Takeaways
The best choices for Georgia life insurance are Protective Insurance, Guardian Life, Lincoln Financial and Prudential.
Lincoln Financial delivers the cheapest life insurance in Georgia, with monthly rates averaging $35 for men and $30 for women for $500,000 coverage.
The best life insurance company in Georgia may vary depending on the type of life insurance you choose. Legal & General is the best for term, while Pacific Life ranks first for no-exam term policies. For permanent life insurance, North American, Ethos and Mutual of Omaha stand out.
To get the best life insurance in Georgia, start by choosing your coverage amount, researching different companies and costs, and thoroughly comparing providers.
Top Life Insurance Companies in Georgia
Overall | Protective Insurance | 4.7 | $44 (men) $37 (women) | $532 (men) $443 (women) |
Customer Experience | Guardian Life | 4.6 | $51 (men) $40 (women) | $612 (men) $480 (women) |
Affordability | Lincoln Financial | 4.5 | $35 (men) $30 (women) | $417 (men) $359 (women) |
Coverage Options | Prudential | 4.1 | $61 (men) $48 (women) | $735 (men) $578 (women) |
Rates are based on average quotes for adult nonsmokers ages 30–49 with a $500,000 20-year term policy. These are estimates based on MoneyGeek's analysis and may not reflect your actual premium. Actual rates vary based on health, lifestyle, and other underwriting factors. Contact insurers directly for personalized quotes.
Best Overall: Protective
Protective
MoneyGeek Rating
4.7/ 5
4.8/5Affordability
4.6/5Customer Experience
4.3/5Coverage Options
Average Monthly Cost
$44 (men); $37 (women)Based on a 20-year term policy with $500,000 coverage amount for adult (ages 30-49) nonsmokers with average weight and health ratings.Average Annual Cost
$532 (men); $443 (women)Based on a 20-year term policy with $500,000 coverage amount for adult (ages 30-49) nonsmokers with average weight and health ratings.
Best Customer Experience: Guardian Life
Guardian Life
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.9/5Customer Experience
4/5Coverage Options
Average Monthly Cost
$51 (men); $40 (women)Based on a 20-year term policy with $500,000 coverage amount for adult (ages 30-49) nonsmokers with average weight and health ratings.Average Annual Cost
$612 (men); $480 (women)Based on a 20-year term policy with $500,000 coverage amount for adult (ages 30-49) nonsmokers with average weight and health ratings.
Best for Affordability: Lincoln Financial
Lincoln Financial
MoneyGeek Rating
4.5/ 5
5/5Affordability
3.6/5Customer Experience
4.5/5Coverage Options
Average Monthly Cost
$35 (men); $30 (women)Based on a 20-year term policy with $500,000 coverage amount for adult (ages 30-49) nonsmokers with average weight and health ratings.Average Annual Cost
$417 (men); $359 (women)Based on a 20-year term policy with $500,000 coverage amount for adult (ages 30-49) nonsmokers with average weight and health ratings.
Best Coverage Options: Prudential
Prudential
MoneyGeek Rating
4.1/ 5
4.2/5Affordability
3.4/5Customer Experience
4.8/5Coverage Options
Average Monthly Cost
$61 (men); $48 (women)Based on a 20-year term policy with $500,000 coverage amount for adult (ages 30-49) nonsmokers with average weight and health ratings.Average Annual Cost
$735 (men); $578 (women)Based on a 20-year term policy with $500,000 coverage amount for adult (ages 30-49) nonsmokers with average weight and health ratings.
Best Life Insurance in Georgia by Policy Type
While the top life insurance provider in the Peach State is a solid pick for many, your best choice might differ based on the type of life insurance. We break down the best life insurance companies in Georgia for various policy types.
Whole and Universal | North American | 5 | Whole: $691 (men) $602 (women) Universal: $295 (men) $251 (women) | Whole: $8,287 (men) $7,221 (women) Universal: $3,535 (men) $3,016 (women) |
Indexed Universal | Ethos | 5 | $328 (men) $275 (women) | $3,935 (men) $3,297 (women) |
Term | Legal & General | 4.7 | $44 (men) $35 (women) | $523 (men) $415 (women) |
Guaranteed Acceptance | Mutual of Omaha | 4.7 | $40 (men) $30 (women) | $482 (men) $365 (women) |
No-Exam | Pacific Life | 4.5 | $47 (men) $39 (women) | $566 (men) $464 (women) |
Rates are estimates based on MoneyGeek's analysis and may not reflect your actual premium. Individual rates vary based on health, lifestyle, and other underwriting factors. Contact insurers directly for personalized quotes.
Best Whole and Universal: North American
North American
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Customer Experience
5/5Coverage Options
Average Monthly Cost
Whole: $691 (men); $602 (women) Universal: $295 (men); $251 (women)Based on average quotes for adult (ages 30-49) nonsmokers with $500,000 coverage amount.Average Annual Cost
Whole: $8,287 (men); $7,221 (women) Universal: $3,535 (men); $3,016 (women)Based on average quotes for adult (ages 30-49) nonsmokers with $500,000 coverage amount.
Best Indexed Universal: Ethos
Ethos
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Customer Experience
5/5Coverage Options
Average Monthly Cost
$328 (men); $275 (women)Based on average quotes for adult (ages 30-49) nonsmokers with $500,000 coverage amount.Average Annual Cost
$3,935 (men); $3,297 (women)Based on average quotes for adult (ages 30-49) nonsmokers with $500,000 coverage amount.
Best Term: Legal & General
Legal & General
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.7/5Customer Experience
4.7/5Coverage Options
Average Monthly Cost
$44 (men); $35 (women)Based on average quotes for an adult (ages 30-49) nonsmoker with a 20-year term policy and $500,000 coverage amount.Average Annual Cost
$523 (men); $415 (women)Based on average quotes for an adult (ages 30-49) nonsmoker with a 20-year term policy and $500,000 coverage amount.
Best Guaranteed Acceptance: Mutual of Omaha
Mutual of Omaha
MoneyGeek Rating
4.7/ 5
4.9/5Affordability
4.5/5Customer Experience
4.8/5Coverage Options
Average Monthly Cost
$40 (men); $30 (women)Based on average quotes for 50-year-old nonsmokers with $10,000 coverage amount.Average Annual Cost
$482 (men); $365 (women)Based on average quotes for 50-year-old nonsmokers with $10,000 coverage amount.
Best No-Exam Term: Pacific Life
Pacific Life
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.5/5Customer Experience
4.7/5Coverage Options
Average Monthly Cost
$47 (men); $39 (women)Based on average quotes for a 40-year-old with a 20-year term policy and $500,000 coverage amount.Average Annual Cost
$566 (men); $464 (women)Based on average quotes for a 40-year-old with a 20-year term policy and $500,000 coverage amount.
Compare Personalized Best Georgia Life Insurance Picks
To help you find the best life insurance fit, we've included a filterable table below that tailors recommendations to your individual profile, making your search simple and efficient.
Data filtered by:
Select
Male
$500,000
20 years
| Lincoln Financial | $38 | $452 |
| North American | $43 | $517 |
| Midland National | $43 | $517 |
| Protective Insurance | $44 | $532 |
| Transamerica | $46 | $551 |
| CoreBridge | $47 | $560 |
| Principal National | $47 | $564 |
| Legal & General | $47 | $566 |
| Pacific Life | $47 | $566 |
| SBLI | $48 | $579 |
| Cincinnati Life | $49 | $593 |
| Guardian Life | $51 | $612 |
| Equitable Life | $52 | $626 |
| Columbus Life | $53 | $632 |
| Securian | $53 | $634 |
| Gerber Life (Fabric) | $53 | $638 |
| Assurity | $55 | $663 |
| AAA | $56 | $671 |
| Nationwide | $56 | $677 |
| Fidelity Life | $59 | $705 |
| Life Insurance Co of The South West | $59 | $708 |
| National Life Group | $59 | $708 |
| Ameritas | $59 | $708 |
| John Hancock | $59 | $713 |
| Mutual of Omaha | $60 | $720 |
| Prudential | $61 | $735 |
| Foresters Financial | $62 | $740 |
| Ethos | $72 | $861 |
| Royal Neighbors of America | $108 | $1,300 |
Rates are based on a term life insurance policy for nonsmokers with average weight and health ratings. Individual costs will vary based on policy type and your profile. Rates in this table may differ from those mentioned in the best companies' profiles, as we used an age range of 30-49 for the main comparisons.
How to Find the Best Life Insurance in Georgia
Shopping for life insurance can feel complicated, especially when you're trying to balance coverage needs with budget constraints. Below, we've highlighted some key tips to help you find the best life insurance options in the Peach State. Follow these steps to make an informed decision that protects your family's financial future.
- 1Decide coverage beforehand
Finding out how much life insurance you need is crucial before purchasing, so you can compare prices fairly and avoid being oversold by agents. This ensures you secure appropriate coverage.
- 2Research costs for your profile
Checking average life insurance costs for your coverage level and personal profile helps you assess whether you’re getting a good deal. In most cases, location doesn’t impact your life insurance rates, streamlining your evaluation process.
- 3Compare company reputations
Rates typically don’t vary by state, but understanding a company’s reputation in your area can help you find a better fit. Use resources like J.D. Power, online forums, and independent agents to assess which providers are best for your needs.
- 4Compare quotes through multiple avenues
Comparing quotes from various life insurance companies in Georgia ensures you’re getting the best value. Pricing can vary depending on where you get your quote, whether from an independent agent, an online source, or an agent.
Georgia Life Insurance Laws and Regulations
Georgia residents benefit from comprehensive consumer protections and clear regulations when purchasing life insurance. The Georgia Office of Insurance and Safety Fire Commissioner oversees all insurance activities in the state, ensuring companies meet strict financial and operational standards. Below are key legal protections as stated in Georgia Code Title 33.
Georgia law provides a 10-day free look period after you receive your policy. You can cancel during this time and receive a full premium refund if the coverage doesn't meet your needs. This protection applies to all life insurance policies sold in the state.
The contestability period lasts two years from your policy's effective date. During this time, your insurer can investigate and potentially contest claims for material misrepresentation on your application. After two years, your coverage becomes incontestable except for premium non-payment.
Georgia maintains a 30-day grace period for premium payments. If you miss a payment, your policy remains active for 30 days while you catch up. This prevents accidental lapses due to forgotten payments or temporary financial difficulties.
The Georgia Life and Health Insurance Guaranty Association protects policyholders if their insurance company becomes insolvent. Coverage includes up to $300,000 in life insurance benefits per individual policy, providing security for your beneficiaries even if your insurer fails.
Life insurance companies in Georgia must settle valid death benefit claims promptly. Georgia law requires insurers to pay interest on life insurance proceeds beginning from the date they receive written proof of death. This ensures that beneficiaries are compensated fairly when a claim is approved.
Life insurance regulations vary by state. The information above reflects current Georgia-specific requirements. Consult with a licensed insurance professional for personalized guidance.
Life Insurance Companies in Georgia: Bottom Line
We found the top four life insurance companies in Georgia overall are Protective Insurance, Guardian Life, Lincoln Financial and Prudential. For specific policy types, the best options are North American, Ethos, Legal & General, Mutual of Omaha and Pacific Life.
While these are our recommendations, you should do your own research, decide on a coverage level, and compare quotes to get the best deal possible.
Georgia Life Insurance: FAQ
Explore answers to frequently asked questions about life insurance options for Georgia residents.
Do life insurance rates differ by state?
No, life insurance rates are consistent across states; policy features and extra protection options may be region-specific.
How much life insurance do I need if I live in Georgia?
Most financial experts recommend purchasing 10 to 12 times your annual income in life insurance coverage. For Georgia residents, consider your state-specific costs when calculating needs. Take into account funeral costs, childcare expenses, your mortgage balance, outstanding debts and your family's living expenses for at least five to 10 years.
What happens to my life insurance if I move out of Georgia?
Your life insurance policy remains active even if you move out of Georgia, as coverage follows you regardless of your location. Notify your insurer as soon as you move, since certain features may differ under your new state's laws.
Premiums generally stay the same because they’re locked in when your policy begins, but state benefits, such as guaranty fund protection, shift to your new state. If your new state has different rules for contestability or grace periods, your original policy terms in Georgia typically continue to apply.
How We Rated Life Insurance Companies in Georgia
MoneyGeek created a scoring system to compare life insurance companies across five categories and ranked them based on their scores. We selected companies to review based on their broad national coverage and ability to provide an online quote.
MoneyGeek's Scoring System
In our unique scoring system, companies can earn up to five points in each of three categories. We applied the following base weightings to score insurers:
- Affordability: 55%
- Customer Experience: 30%
- Coverage Options: 15%
Each company's score includes:
- Cost data obtained through online quotes
- Financial strength ratings from A.M. Best and the number of years in business
- Customer satisfaction data from the National Association of Insurance Commissioners (NAIC) customer complaint index, J.D. Power and other online customer reviews
- Availability of tools to aid in the buying process, such as online product materials and multiple payment options
- Diversity of life insurance products offered
Sample Customer Profile
MoneyGeek used a standard profile to obtain life insurance quotes in Georgia:
- 40-year-old nonsmoker
- Average height and healthy weight
- Average health rating
We modified the profile by age, gender, height, weight, tobacco use and health rating to collect a variety of quotes and determine the best life insurance company for several types of customers. For the overall best life insurance companies in Georgia, we used averages based on quotes for adults ages 30–49.
We collected quotes for life insurance with varying term lengths (including permanent coverage) and coverage amounts.
When necessary, we identified trends in the dataset and used those patterns to calculate projections and extend the data beyond what was originally collected.
About Mark Fitzpatrick
Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.
Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.
sources
- FindLaw. "Georgia Code Title 33 - Insurance." Accessed October 24, 2025.