Updated: November 22, 2024
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Based on our analysis, Protective is the best life insurance provider in Atlanta, Georgia for men and women. The company has a MoneyGeek score of 92. For women, the monthly premium is $42, and for men, it is $54.
Different factors should be considered when deciding on what type of life insurance to buy. These scores and premium costs are based on a 20-year term policy with $500,000 coverage. 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 Atlanta, Georgia.
Coverage costs and company information for life insurance providers were updated in August 2024.
BestLife InsuranceAtlanta, GABest Life Insurance Companies in Atlanta
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.
If you're looking for the best life insurance in Atlanta, Protective stands out for men and women with a MoneyGeek score of 92 and a monthly premium of $54 for men and $42 for women.
The top providers for men are:
The top providers for women are:
Protective is the best choice for the average individual looking to purchase life insurance in Atlanta due to its high MoneyGeek score and affordable monthly premium. This combination ensures you get comprehensive coverage without breaking the bank.
Protective emerges as the premier choice for life insurance in Atlanta, catering to men and women with a MoneyGeek score of 92. For women, the monthly premium stands at $42, while men can expect a premium of $54. This company distinguishes itself by offering a blend of high customer satisfaction and affordability without compromising on 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:
Quotes gathered were for a $250K life insurance policy with a 10-year term.
For those seeking the best term life insurance in Atlanta, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $27 for men and $22 for women. This company offers a reliable option for individuals prioritizing affordability and customer satisfaction.
The top providers for men are:
The top providers for women are:
Term life insurance provides coverage for a specific period, offering a death benefit if the insured passes away during the term. For example, a parent might choose term insurance to ensure their child's education costs are covered if they were to pass away prematurely.
Protective stands out as the premier choice for women and men seeking the best term life insurance in Atlanta, with an impressive MoneyGeek score of 92 for both. The monthly premium is affordable at $22 for women and $27 for men.
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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 provides the best whole life insurance in Atlanta for men and women, with a MoneyGeek score of 92. Protective's high score indicates a strong combination of affordability, customer satisfaction and financial stability, which are crucial for the average individual seeking a reliable whole life insurance policy.
The top providers for men are:
The top providers for women are:
Whole life insurance provides lifelong coverage and includes an investment component that can accumulate cash value. For example, someone might choose whole life insurance to ensure permanent protection and as a means to contribute to their financial planning.
Protective emerges as the premier choice for the best whole life insurance in Atlanta, catering to men and women. With a MoneyGeek score of 92 for both demographics, Protective stands out for its commitment to satisfaction and value.
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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.
In Atlanta, Protective stands out as the provider with the best universal life insurance for men and women, with a MoneyGeek score of 91. The average person in Atlanta seeking universal life insurance would benefit from Protective's high customer satisfaction and robust financial stability, ensuring reliable coverage.
The top providers for men are:
The top providers for women are:
Universal life insurance offers flexibility in premiums and death benefits, which can be appealing for those seeking long-term financial planning and security. For example, an individual might opt for this insurance to build cash value over time that can be borrowed against, offering protection and potential investment growth.
In Atlanta, Protective emerges as the premier choice for universal life insurance for both men and women, with a MoneyGeek score of 91. This top ranking reflects the company's commitment to excellence across multiple dimensions of service and value.
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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.
When it comes to finding the best life insurance with no mandatory medical exam in Atlanta, Protective stands out for men and women, with a MoneyGeek score of 91. With top ratings in customer satisfaction and financial stability, Protective provides peace of mind for policyholders.
The top providers for men are:
The top providers for women are:
No-medical-exam life insurance allows individuals to obtain coverage quickly and without the need for a medical check-up. This is particularly beneficial for those who may have health issues that could result in higher premiums or disqualification from traditional life insurance. For example, a person with a chronic illness might choose this insurance to avoid the potential of being denied coverage.
Protective stands out as the premier choice for the best no-medical-exam life insurance in Atlanta, earning the highest MoneyGeek score for men and women. With scores of 91 for each, Protective demonstrates a robust offering that meets diverse needs without compromising on customer satisfaction or affordability.
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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 stands out as the provider of the best term life insurance for seniors in Atlanta, with a MoneyGeek score of 92 for men and women. The monthly premiums are $95 for women and $114 for men.
Age is a pivotal factor in life insurance premiums; as people age, the likelihood of health issues increases, which in turn raises the cost of insurance. Protective's high MoneyGeek score reflects its strong performance across various metrics, including affordability, customer satisfaction, the buying process, financial stability, and product diversity.
| 1 | Protective | $114 | 92 |
| 2 | Mutual of Omaha | $133 | 91 |
| 3 | Nationwide | $113 | 91 |
| 4 | AAA | $157 | 88 |
| 5 | Allstate | $140 | 88 |
| 6 | Prudential | $134 | 87 |
| 7 | State Farm | $202 | 85 |
| 8 | Haven | $259 | 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.
In Atlanta, Mutual of Omaha stands out for men seeking the best term life insurance for smokers, with a MoneyGeek score of 91 and an average monthly premium of $40. Women who smoke could fare best with Allstate, earning a score of 89 and a monthly cost of approximately $30.
Smoking significantly affects life insurance premiums due to the health risks it poses, often leading to higher rates for smokers than nonsmokers. Mutual of Omaha and Allstate's top scores reflect their commitment to providing valuable coverage at competitive prices, making them strong contenders for reliable term life insurance.
| 1 | Mutual of Omaha | $75 | 91 |
| 2 | Nationwide | $75 | 89 |
| 3 | Allstate | $66 | 88 |
| 4 | AAA | $82 | 88 |
| 5 | Protective | $109 | 88 |
| 6 | Prudential | $61 | 88 |
| 7 | State Farm | $99 | 86 |
| 8 | Haven | $133 | 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.
For the best term life insurance for young adults in Atlanta, Protective is the top choice for men and women. It has a MoneyGeek score of 92 and monthly premiums of $14 for women and $17 for men.
Age significantly impacts life insurance premiums, with younger individuals typically paying lower rates. Protective achieves the highest MoneyGeek score due to its strong affordability, customer satisfaction and financial stability.
| 1 | Protective | $17 | 92 |
| 2 | Mutual of Omaha | $21 | 91 |
| 3 | Nationwide | $20 | 90 |
| 4 | AAA | $24 | 88 |
| 5 | Allstate | $26 | 86 |
| 6 | Prudential | $27 | 85 |
| 7 | State Farm | $34 | 84 |
| 8 | Haven | $28 | 84 |
| 9 | Bestow | $39 | 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.
For the best cheap term life insurance in Atlanta, Protective stands out with a MoneyGeek score of 92 and monthly premiums at $22 for women and $27 for men.
Various factors influence life insurance premiums, including age, health, coverage amount and term length. To get the lowest premiums, maintain excellent health, avoid tobacco and choose a suitable coverage amount and term length. Protective's high MoneyGeek score is due to its strong affordability, customer satisfaction and financial stability.
| 1 | Protective | $27 | 92 |
| 2 | Nationwide | $31 | 91 |
| 3 | Mutual of Omaha | $33 | 90 |
| 4 | AAA | $38 | 87 |
| 5 | Allstate | $40 | 86 |
| 6 | Prudential | $40 | 85 |
| 7 | Haven | $49 | 83 |
| 8 | State Farm | $54 | 82 |
The average monthly premium for term life insurance in Atlanta, Georgia, is $29 for women and $33 for men. Several factors affect the cost of life insurance premiums, including age, health, lifestyle and occupation. Insurance companies assess these factors to determine the risk associated with insuring an individual.
The cost of life insurance in Atlanta might be different from other parts of Georgia due to various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if Atlanta has higher health care costs or a higher incidence of certain health conditions, premiums might be higher. Conversely, lower living costs or healthier lifestyle trends could result in lower premiums.
Protective offers the best life insurance in Atlanta for men. The company has the highest MoneyGeek score, making it a top choice for male residents.
The monthly premium cost for the best life insurance for men in Atlanta is $54. Protective provides this plan, offering excellent value for male policyholders.
Protective is the best life insurance company in Atlanta for women. It has the highest MoneyGeek score, making it a preferred option for women residents.
The monthly premium cost for the best life insurance for women in Atlanta is $42. Protective provides this plan, ensuring good value for women policyholders.
Life insurance in Atlanta may have different premium costs and company rankings compared to the rest of Georgia. For example, Protective's premium costs and MoneyGeek scores are specific to Atlanta. Residents should compare local options to statewide options for the best fit.
If a life insurance company goes bankrupt in Atlanta, state guaranty associations typically step in to protect policyholders. These associations cover claims up to certain limits, ensuring that policyholders are not left without coverage.
Atlanta residents might need life insurance to provide financial security for their families, cover debts, or ensure that mortgage payments are met. Life insurance can also help with final expenses and provide a legacy for loved ones.
To find a lost life insurance policy in Atlanta, residents can check personal records, contact the deceased's financial advisors, or use online policy locator services. The National Association of Insurance Commissioners offers a free policy locator service that can assist in this search.
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.
