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: November 13, 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 Points
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 Points
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 Points
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 Points
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
Although the top life insurance provider in the Peach State works well for many people, your best option may differ based on the type of life insurance you need. We break down the leading companies in Georgia to show which ones fit each policy type.
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 Points
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 Points
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 Points
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 Points
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 Points
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
This filterable table will help you sort through your options. It adjusts the recommendations based on your profile, making it easier to find the life insurance plans that fit your needs.
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 shown are for term life insurance for nonsmokers with average weight and health. Your actual costs depend on your policy type and personal profile. Table rates may differ from the best companies' profiles because we used ages 30 to 49 for those comparisons.
How to Find the Best Life Insurance in Georgia
Shopping for life insurance gets complicated when you're balancing coverage and budget. We've outlined tips to help you find the best life insurance in Georgia. These steps will help you choose coverage that protects your family's finances.
- 1Decide on Your Coverage First
Figure out how much life insurance you need before you start comparing companies. This way, you compare prices fairly and avoid getting oversold on coverage you don’t need.
- 2Check Costs for Your Profile
Looking at average life insurance costs for your age, health, and coverage amount gives you a clear idea of whether a quote is reasonable. In most cases, your location won’t affect life insurance rates, which makes the process easier.
- 3Look Into Company Reputations
Even though rates don’t usually change by state, knowing how a company is viewed in your area can help you choose a better fit. Resources like J.D. Power, online forums and independent agents can give you helpful insight.
- 4Compare Quotes From Different Sources
Getting quotes from multiple life insurance companies in Georgia helps you find the best value. Prices may vary depending on whether the quote comes from an online tool, an independent agent or a company representative.
Georgia Life Insurance Laws and Regulations
Georgia residents have clear consumer protections and regulations when buying life insurance. The Georgia Office of Insurance and Safety Fire Commissioner oversees insurance activity in the state and makes sure companies meet required financial and operational standards. The legal protections in Georgia Code Title 33 cover the following areas.
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, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- FindLaw. "Georgia Code Title 33 - Insurance." Accessed October 24, 2025.