Updated: November 22, 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.
Coverage costs and company information for life insurance providers were updated in October 2024.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the overall best life insurance companies:
This was done using the average profile with a 20-year term policy and $500K coverage.
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:
Top providers for women:
Protective's strong balance of affordability, customer satisfaction and financial stability makes it the top choice for life insurance.
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.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies:
Quotes gathered were for a $250K life insurance policy with a 10-year term.
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:
Top term life insurance companies for women:
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.
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.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best whole life insurance companies:
We did not weigh affordability as we did not collect whole life insurance quotes. The company below has the highest score among the companies that offer whole life insurance policies based on a 20-year term at $500K coverage.
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.
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.
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.
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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.
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best universal life insurance companies:
We did not weigh affordability as we did not collect universal life insurance quotes. The company below has the highest score among the companies that offer universal life insurance policies, over a 10-year term for $250K coverage.
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.
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.
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.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best life insurance companies that don't require a medical exam:
We did not weigh affordability as we did not collect any insurance quotes for this category. The company below has the highest score among the companies that offer life insurance policies without mandatory medical exams, for a 10-year term with $250K coverage if the insuree was in poor health.
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.
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.
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.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for seniors:
We derived quotes using a $250K life insurance policy with a 10-year term and adjusted the sample buyer's age to 70.
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.
| 1 | Protective | $64 | 92 |
| 2 | Mutual of Omaha | $75 | 91 |
| 3 | Nationwide | $63 | 91 |
| 4 | AAA | $88 | 88 |
| 5 | Allstate | $79 | 88 |
| 6 | Prudential | $75 | 87 |
| 7 | State Farm | $113 | 85 |
| 8 | Haven | $145 | 82 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for people who smoke:
We collected quotes using a $250K life insurance policy with a 10-year term and adjusted the sample buyer to reflect an active smoker.
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.
| 1 | Mutual of Omaha | $42 | 91 |
| 2 | Nationwide | $42 | 89 |
| 3 | Allstate | $37 | 88 |
| 4 | AAA | $46 | 88 |
| 5 | Protective | $61 | 88 |
| 6 | Prudential | $34 | 88 |
| 7 | State Farm | $56 | 86 |
| 8 | Haven | $75 | 82 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for young adults:
We collected quotes using a $250K life insurance policy with a 10-year term for a 20-year-old buyer.
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.
| 1 | Protective | $9 | 92 |
| 2 | Mutual of Omaha | $12 | 91 |
| 3 | Nationwide | $11 | 90 |
| 4 | AAA | $13 | 88 |
| 5 | Allstate | $15 | 86 |
| 6 | Prudential | $15 | 85 |
| 7 | State Farm | $19 | 84 |
| 8 | Haven | $16 | 84 |
| 9 | Bestow | $22 | 83 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best cheap term life insurance companies:
We adjusted the weighting to favor affordability for a $250K life insurance policy with a 10-year term.
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.
| 1 | Protective | $15 | 92 |
| 2 | Nationwide | $17 | 91 |
| 3 | Mutual of Omaha | $18 | 90 |
| 4 | AAA | $21 | 87 |
| 5 | Allstate | $22 | 86 |
| 6 | Prudential | $23 | 85 |
| 7 | Haven | $28 | 83 |
| 8 | State Farm | $30 | 82 |
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.
Protective has the best life insurance for men in Athens-Clarke, with the highest MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men in Athens-Clarke is $30, based on the highest-rated policy from Protective.
Protective offers the best life insurance for women in Athens-Clarke, with the highest MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for women in Athens-Clarke is $28, based on the highest-rated policy from Protective.
Life insurance in Athens-Clarke is consistent with the rest of Georgia. Protective ranks highest for men and women statewide. Premiums and coverage options are similar, ensuring residents can access competitive and reliable policies.
If a life insurance company in Athens-Clarke goes bankrupt, state guaranty associations ensure that policyholders receive coverage up to certain limits, providing financial security despite the company's financial troubles.
Athens-Clarke residents might need life insurance to provide financial security for their families. It can cover funeral costs, pay off debts and provide financial support to beneficiaries in case of the policyholder's death.
Contact the insurance company directly or use state resources to find a lost life insurance policy in Athens-Clarke. The Georgia Department of Insurance can assist in locating policies and ensuring that beneficiaries receive the coverage they're entitled to.
About Mark Fitzpatrick
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.
