Updated: November 21, 2024
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Protective is the best life insurance provider in Macon-Bibb, Georgia, with a MoneyGeek score of 92 out of 100. Its average monthly premiums are $34 for men and $28 for women. These scores and costs are based on a 20-year term policy with $500,000 coverage.
When deciding on life insurance, consider factors such as term length, coverage amount and your needs. Your specific situation may make a different company a better fit 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 Macon-Bibb, Georgia.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceMacon-Bibb, GABest Life Insurance Companies in Macon-Bibb
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 Macon-Bibb, with a MoneyGeek score of 92 and average monthly premiums of $34 for men and $28 for women.
Top providers for men:
Top providers for women:
Protective's high MoneyGeek scores and competitive premiums make it the best choice for life insurance.
Protective is Macon-Bibb's best life insurance provider, with a MoneyGeek score of 92 and average monthly premiums of $34 for men and $28 for women. It offers comprehensive coverage without financial strain.
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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 Macon-Bibb, with a MoneyGeek score of 92 and average monthly premiums of $17 for men and $15 for women. Its strong balance of affordability, customer satisfaction and financial stability 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 specific period and pays out only if the insured person dies during that term. For example, a parent might buy term insurance to fund their child's education in case of their untimely death.
In Macon-Bibb, Protective is the best term life insurance provider, earning a MoneyGeek score of 92. It balances affordability and high-quality service with low monthly premiums of $17 for men and $15 for 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 offers the best whole life insurance in Macon-Bibb, with a MoneyGeek score of 92 for men and women. The company performs strongly in customer satisfaction and financial stability.
Whole life insurance offers a fixed death benefit and builds cash value over time, combining life coverage with savings. Someone might choose this option to secure their family’s financial future while creating a fund they can borrow against if needed.
In Macon-Bibb, Protective is the leading provider of whole life insurance, earning a MoneyGeek score of 92 for men and women. It stands out for its exceptional performance across multiple criteria.
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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 Macon-Bibb's best universal life insurance, with a MoneyGeek score of 91 for men and women. The company's high score indicates a strong balance of customer satisfaction and financial stability.
Universal life insurance offers flexible premiums and cash value growth potential. Someone who wants to adjust their coverage and premiums over time may find this insurance better than term life insurance, which offers fixed premiums and a set coverage period.
Protective is Macon-Bibb'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 in Macon-Bibb without a medical exam requirement. 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 allows prospective policyholders to skip the traditional medical underwriting process. Someone with a busy lifestyle or a minor health issue might choose this insurance to avoid the delay and scrutiny of a full medical exam.
In Macon-Bibb, 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 and customer satisfaction.
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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 Macon-Bibb, with a MoneyGeek score of 92 and average monthly premiums of $72 for men and $62 for women.
Age affects premiums because health risks rise as people get older. Insurers consider this in their pricing. Protective's high score shows strong customer satisfaction, product diversity and financial stability, making it a reliable choice for seniors seeking life insurance.
| 1 | Protective | $72 | 92 |
| 2 | Mutual of Omaha | $85 | 91 |
| 3 | Nationwide | $71 | 91 |
| 4 | AAA | $99 | 88 |
| 5 | Allstate | $89 | 88 |
| 6 | Prudential | $85 | 87 |
| 7 | State Farm | $128 | 85 |
| 8 | Haven | $164 | 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 Macon-Bibb, with MoneyGeek scores of 91 for men and 88 for women. The average monthly premiums are $47 for males and $45 for females.
Smoking increases life insurance premiums due to health risks. Mutual of Omaha’s top scores for affordability, satisfaction, financial stability and product options make it the top choice for smokers.
| 1 | Mutual of Omaha | $47 | 91 |
| 2 | Nationwide | $48 | 89 |
| 3 | Allstate | $42 | 88 |
| 4 | AAA | $52 | 88 |
| 5 | Protective | $69 | 88 |
| 6 | Prudential | $39 | 88 |
| 7 | State Farm | $63 | 86 |
| 8 | Haven | $85 | 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 Macon-Bibb, with a MoneyGeek score of 92 and average monthly premiums of $10 for men and $9 for women.
Age significantly affects premiums because younger adults typically have lower health risks. Protective's high MoneyGeek score is due to its strong customer satisfaction, affordability and financial stability.
| 1 | Protective | $10 | 92 |
| 2 | Mutual of Omaha | $13 | 91 |
| 3 | Nationwide | $13 | 90 |
| 4 | AAA | $15 | 88 |
| 5 | Allstate | $17 | 86 |
| 6 | Prudential | $17 | 85 |
| 7 | State Farm | $22 | 84 |
| 8 | Haven | $18 | 84 |
| 9 | Bestow | $25 | 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 Macon-Bibb, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and average monthly premiums of $17 for men and $15 for women.
Age, health and coverage influence insurance costs. To get the lowest premiums, maintain good health, avoid tobacco use and compare quotes from different insurers.
| 1 | Protective | $17 | 92 |
| 2 | Nationwide | $20 | 91 |
| 3 | Mutual of Omaha | $21 | 90 |
| 4 | AAA | $24 | 87 |
| 5 | Allstate | $25 | 86 |
| 6 | Prudential | $26 | 85 |
| 7 | Haven | $31 | 83 |
| 8 | State Farm | $34 | 82 |
The average monthly costs of term life insurance in Macon-Bibb are $37 for men and $29 for women. Several factors affect premiums, including age, health, lifestyle and occupation. Insurers evaluate these to assess the risk of covering someone.
Rates in Macon-Bibb may differ from those in other parts of Georgia due to local health statistics, economic conditions and regional risk factors. Understanding these variables can help you make informed decisions on life insurance.
Protective has the best life insurance in Macon-Bibb for men, with the highest MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men in Macon-Bibb is $34.
Protective has the best life insurance in Macon-Bibb for women, with the highest MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for women in Macon-Bibb is $28.
Life insurance in Macon-Bibb may differ from the rest of Georgia in premiums and company options. For example, Protective offers competitive rates and high scores in the city. Residents should compare local rates and coverage options to get the best deal.
If a life insurance company in Macon-Bibb goes bankrupt, state guaranty associations protect policyholders by ensuring claims are paid up to certain limits.
Macon-Bibb residents might need life insurance to cover funeral costs, pay off debts and provide for dependents. It ensures that loved ones are financially secure after the policyholder's death.
To find a lost life insurance policy in Macon-Bibb, contact the insurance company directly, check bank statements for premium payments and use online resources like the National Association of Insurance Commissioners' policy locator service.
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.
