Updated: November 22, 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.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceColumbus, GABest Life Insurance Companies in Columbus
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.
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:
Top providers 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.
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.
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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 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:
For women, the top two are:
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.
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.
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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.
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:
Top whole life companies for women in Columbus:
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.
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.
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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 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:
Best for women's universal life insurance:
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.
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.
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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 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:
Best life insurance for women that does not require a medical exam:
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.
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.
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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 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.
| 1 | Protective | $80 | 92 |
| 2 | Mutual of Omaha | $94 | 91 |
| 3 | Nationwide | $79 | 91 |
| 4 | AAA | $110 | 88 |
| 5 | Allstate | $98 | 88 |
| 6 | Prudential | $94 | 87 |
| 7 | State Farm | $142 | 85 |
| 8 | Haven | $182 | 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 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.
| 1 | Mutual of Omaha | $52 | 91 |
| 2 | Nationwide | $53 | 89 |
| 3 | Allstate | $46 | 88 |
| 4 | AAA | $58 | 88 |
| 5 | Protective | $76 | 88 |
| 6 | Prudential | $43 | 88 |
| 7 | State Farm | $70 | 86 |
| 8 | Haven | $94 | 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 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.
| 1 | Protective | $12 | 92 |
| 2 | Mutual of Omaha | $14 | 91 |
| 3 | Nationwide | $14 | 90 |
| 4 | AAA | $17 | 88 |
| 5 | Allstate | $18 | 86 |
| 6 | Prudential | $19 | 85 |
| 7 | State Farm | $24 | 84 |
| 8 | Haven | $20 | 84 |
| 9 | Bestow | $27 | 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.
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.
| 1 | Protective | $19 | 92 |
| 2 | Nationwide | $22 | 91 |
| 3 | Mutual of Omaha | $23 | 90 |
| 4 | AAA | $27 | 87 |
| 5 | Allstate | $28 | 86 |
| 6 | Prudential | $28 | 85 |
| 7 | Haven | $34 | 83 |
| 8 | State Farm | $38 | 82 |
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.
Protective has the best life insurance for men in Columbus. The company has the highest MoneyGeek score of 92 out of 100, making it a top choice for male residents seeking life insurance.
The average monthly premium for the best life insurance for men in Columbus is $38. This cost is based on the highest MoneyGeek score, ensuring value for male policyholders.
Protective offers the best life insurance for women in Columbus. With the highest MoneyGeek score of 92 out of 100, it is the preferred choice for female residents.
The average monthly premium for the best life insurance for women in Columbus is $28. This rate is linked to the highest MoneyGeek score, providing excellent value for female policyholders.
Life insurance in Columbus is similar to the rest of Georgia in terms of offerings and costs. Protective is a top choice in both areas. However, local factors like health trends and demographics may slightly influence premiums and coverage options.
If a life insurance company goes bankrupt in Columbus, state guaranty associations typically protect policyholders. These associations ensure coverage continues up to certain limits, providing financial security even if the insurer fails.
Columbus residents need life insurance to provide financial security for their families. Life insurance can cover funeral costs, pay off debts and replace lost income. It ensures that loved ones are not financially burdened after a policyholder's death.
To find a lost life insurance policy in Columbus, contact the insurance company directly. If the company cannot be reached, the Georgia Department of Insurance can assist in locating the policy. Keeping records and informing beneficiaries can prevent such issues.
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.
