Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance company in Sandy Springs, Georgia, with a MoneyGeek score of 92 for men and women. The average monthly premium for men is $59, while for women, it's $49. The score and premium costs are based on a 20-year term policy with $500,000 coverage.
When choosing life insurance, consider factors such as coverage amount, term length and your unique needs. Your individual requirements may mean a different company is the best 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 Sandy Springs, Georgia.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceSandy SpringsBest Life Insurance Companies in Sandy Springs
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 Sandy Springs, Protective offers the best life insurance for men and women, with a MoneyGeek score of 92 for both. The average monthly premiums are $59 for men and $49 for women.
Top providers for men:
Top providers for women:
Protective is the best choice for the average individual looking to purchase life insurance in Sandy Springs due to its high MoneyGeek score and competitive monthly premiums. These attributes ensure a balance of affordability and reliability.
In Sandy Springs, Protective is the premier choice for life insurance, with a MoneyGeek score of 92 for men and women. It offers an average monthly premium of $49 for women and $58 for men. This company provides competitive rates and ensures 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:
Quotes gathered were for a $250K life insurance policy with a 10-year term.
For those seeking the best term life insurance in Sandy Springs, Protective stands out with a MoneyGeek score of 92 for men and women. Its average monthly premiums are $29 and $26, respectively. Protective's high score reflects its strong customer satisfaction and financial stability, making it a reliable choice for term life insurance.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance offers coverage for a specified period, providing a death benefit to beneficiaries if the insured passes away during the term. For example, a parent might choose term insurance to ensure that their child's education costs will be covered if they were to pass away unexpectedly.
Protective is the top choice for the best term life insurance in Sandy Springs, with a MoneyGeek score of 92 for men and women. The company offers an average monthly premium of $29 for men and $26 for women, ensuring accessible financial protection. Protective's policy offerings are a balanced mix of value and security.
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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.
In Sandy Springs, Protective offers the best whole life insurance for men and women, with a MoneyGeek score of 92 for each. Its high rating indicates a strong combination of customer satisfaction, financial stability and product diversity, making it a solid choice for individuals seeking reliable life insurance coverage.
Top whole life companies for men in Sandy Springs:
Top whole life companies for women in Sandy Springs:
Whole life insurance is a permanent policy that provides a death benefit and accumulates cash value over time. This type of insurance is ideal for those who want predictable premiums and a guaranteed payout, making it a secure financial planning tool. For example, an individual might choose whole life insurance to ensure their family's financial needs are covered, regardless of when they pass away.
Protective is the leading provider for men and women seeking the best whole life insurance in Sandy Springs, with a MoneyGeek Score of 92 for both genders. This score reflects a harmonious blend of affordability, customer satisfaction and financial stability.
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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 is the best universal life insurance provider in Sandy Springs for men and women, with a MoneyGeek score of 91 out of 100 for each. The company's high score suggests a balance of affordability, customer satisfaction, financial stability and product diversity, which are critical factors for anyone considering life insurance options.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance is a flexible type of permanent life insurance that combines a death benefit with a savings component. For example, someone might choose universal life insurance over term life insurance for the potential to accumulate cash value that can grow over time and may be borrowed against if needed.
Protective is the best universal life insurance provider in Sandy Springs. With a MoneyGeek score of 91 for men and women, it demonstrates a commitment to excellence across the board. Protective's universal life insurance policies offer a dependable choice for financial protection.
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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 is the best no-medical-exam life insurance provider in Sandy Springs, with a MoneyGeek score of 91 for men and women. This score suggests that Protective offers a balance of affordability, customer satisfaction and financial stability, making it a strong choice for individuals seeking reliable coverage without the need for a medical exam.
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
Life insurance without a required medical exam allows individuals to obtain coverage quickly and with less hassle than traditional policies that require a health assessment. For example, someone with a busy schedule or a fear of medical procedures might choose no medical exam life insurance for its convenience and speed.
Protective is the best choice for life insurance with no mandatory medical exam in Sandy Springs, with a MoneyGeek score of 91 for men and women. This score reflects the company's commitment to customer satisfaction and affordability. Protective's offerings are tailored to meet the needs of a diverse clientele, ensuring a secure insurance experience without the need for medical examinations.
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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.
In Sandy Springs, Protective offers the best term life insurance for seniors, with a MoneyGeek score of 92 for men and women. For men, the average monthly premium is $124, while for women, it is $111.
Age is a key factor in determining life insurance premiums, as the risk associated with providing coverage increases with the policyholder's age. Protective's high score indicates that the company excels in customer satisfaction, the buying process and financial stability, making it a top choice for seniors seeking dependable coverage.
| 1 | Protective | $124 | 92 |
| 2 | Mutual of Omaha | $146 | 91 |
| 3 | Nationwide | $123 | 91 |
| 4 | AAA | $171 | 88 |
| 5 | Allstate | $153 | 88 |
| 6 | Prudential | $146 | 87 |
| 7 | State Farm | $221 | 85 |
| 8 | Haven | $282 | 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.
For men and women seeking the best term life insurance for smokers in Sandy Springs, Mutual of Omaha stands out with a MoneyGeek score of 91 for men and 88 for women. The average monthly premiums are $82 and $80, respectively.
Smoking is a key factor in determining life insurance premiums, as it poses additional health risks, leading to higher costs for insurers. Mutual of Omaha's high MoneyGeek scores reflect its balance of affordability, customer satisfaction, financial stability and product diversity. This balance makes it a compelling choice for smokers who prioritize a comprehensive package in their insurance selection.
| 1 | Mutual of Omaha | $82 | 91 |
| 2 | Nationwide | $82 | 89 |
| 3 | Allstate | $72 | 88 |
| 4 | AAA | $90 | 88 |
| 5 | Protective | $119 | 88 |
| 6 | Prudential | $66 | 88 |
| 7 | State Farm | $109 | 86 |
| 8 | Haven | $146 | 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 Sandy Springs, Protective stands out with a MoneyGeek score of 92 for men and women. The average monthly premiums are $18 and $16, respectively.
Age significantly impacts life insurance premiums, with younger individuals generally paying lower rates. Protective's high MoneyGeek score is due to its strong affordability, customer satisfaction and financial stability. It is a compelling choice for young adults in Sandy Springs seeking reliable and cost-effective term life insurance.
| 1 | Protective | $18 | 92 |
| 2 | Mutual of Omaha | $22 | 91 |
| 3 | Nationwide | $22 | 90 |
| 4 | AAA | $26 | 88 |
| 5 | Allstate | $28 | 86 |
| 6 | Prudential | $30 | 85 |
| 7 | State Farm | $38 | 84 |
| 8 | Haven | $31 | 84 |
| 9 | Bestow | $43 | 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 is the leading provider of the best cheap term life insurance in Sandy Springs, with a MoneyGeek score of 92 for men and women. Its average monthly premiums are $29 for men and $26 for women. Protective excels in customer satisfaction and financial stability.
Age, health and coverage all influence the cost of life insurance. To get the lowest premiums, you should strive to maintain good health, avoid tobacco use and compare quotes from different insurers.
| 1 | Protective | $29 | 92 |
| 2 | Nationwide | $34 | 91 |
| 3 | Mutual of Omaha | $36 | 90 |
| 4 | AAA | $42 | 87 |
| 5 | Allstate | $43 | 86 |
| 6 | Prudential | $44 | 85 |
| 7 | Haven | $54 | 83 |
| 8 | State Farm | $59 | 82 |
The average cost of term life insurance premiums in Sandy Springs is $52 per month for women and $63 per month for men.
Many factors affect the cost of life insurance premiums. These include age, health, lifestyle, occupation and the coverage amount. Insurers assess these factors to determine the risk level and set the premium accordingly.
In Sandy Springs, the cost of life insurance might be higher or lower than in the rest of Georgia for several reasons. Local health statistics, economic conditions and specific risk factors in the area can influence premium costs. For instance, if Sandy Springs has a higher average income or better overall health statistics, premiums might be lower. Conversely, premiums could be higher if there are higher local risk factors, such as a higher prevalence of certain health conditions.
Understanding these factors can help you make informed decisions when purchasing life insurance. Consider your personal circumstances and local conditions to find the best policy for your needs.
Protective has the best life insurance for men in Sandy Springs, with a MoneyGeek score of 92 out of 100. This company stands out due to its high affordability and customer satisfaction.
The average monthly premium for the best life insurance for men in Sandy Springs is $59. Protective offers this rate for a 20-year term with coverage between $250,000 and $500,000.
Protective offers the best life insurance for women in Sandy Springs, with a MoneyGeek score of 92 out of 100. This company excels in affordability and customer satisfaction.
The average monthly premium for the best life insurance for women in Sandy Springs is $49. Protective offers this rate for a 20-year term with coverage between $250,000 and $500,000.
Life insurance in Sandy Springs may have different premium rates and coverage options compared to other parts of Georgia. For example, Protective offers competitive rates and high customer satisfaction in Sandy Springs. It's important to compare local options to find the best fit.
If a life insurance company goes bankrupt in Sandy Springs, state guaranty associations typically step in to protect policyholders. These associations may cover claims up to certain limits, ensuring that policyholders are not left without coverage.
Residents of Sandy Springs might need life insurance to provide financial security for their families, cover debts or ensure their children’s education. Life insurance can also help with estate planning.
To find a lost life insurance policy in Sandy Springs, check through personal records, contact financial advisors and reach out to the state's insurance department. Online tools and databases can also help locate missing policies.
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.
