Life insurance by state · GA
Life insurance in Georgia
What Georgia law gives you, which carriers quote in Georgia, and how to get covered — from an independent agency licensed in Georgia.
The short answer
Georgia residents can choose from 11 final expense and 14 term life carriers we work with that quote in Georgia. New policies typically come with a 10-day free look, and the state guaranty association backs life insurance death benefits up to $300,000.
Your protections in Georgia
| Regulator | Georgia Office of Commissioner of Insurance and Safety Fire |
|---|---|
| Free-look period | Typically at least 10 days |
| Guaranty association | Georgia Life & Health Insurance Guaranty Association: up to $300,000 death benefit, $100,000 cash value (overall per-person cap applies) |
| Community property state | No |
| State estate / inheritance tax | Estate tax: no · Inheritance tax: no |
Good to know in Georgia
- Georgia insurers must pay interest on individual life insurance proceeds from the date of death, and once a claim is filed, interest runs at 12% a year starting 30 days after filing until payment; this does not apply if the proceeds are paid within 30 days of death (O.C.G.A. § 33-25-10). Source
- In Georgia, anyone who sells preneed (prepaid) funeral, cemetery or burial-rights contracts must be registered with the Secretary of State as a preneed sales agent and work for a registered preneed dealer (O.C.G.A. § 10-14-5). Source
Carriers we work with that quote in Georgia
Final expense / burial: Aetna · American Amicable · American Home Life · Americo · Fidelity · Foresters · Mutual of Omaha · NewBridge · Royal Neighbors · Transamerica · UHL
Term life: American Amicable · Americo · Foresters · InstaBrain · John Hancock · Kansas City Life · Mutual of Omaha · National Life Group · Primerica · Protective · Royal Neighbors · SBLI · Transamerica · UHL
From our quoting system’s Georgia results (September 2026). Product availability and rules vary by carrier and change over time.
How to get covered in Georgia
- Figure out how much you need — final expense calculator or mortgage protection calculator.
- See typical prices by age — life insurance cost by age.
- Tell us your health history — we match you to the Georgia carrier most likely to approve you at the best price (condition guides).
- Apply by phone with an e-signature — many decisions are instant or same-day.
Licensed in Georgia. Compare dozens of carriers in one free call — no pressure.
Get my quotes → Call 586-343-1505Sources: Regulator · Guaranty association · Free-look rule · Estate/inheritance tax
Straight answers
Life insurance in Georgia — FAQ
How long is the free-look period for life insurance in Georgia?
New individual life insurance policies sold in Georgia typically give you at least 10 days to review the policy and cancel for a full refund. The exact window is printed on your policy’s first page.
What happens to my life insurance if the company fails in Georgia?
The Georgia Life & Health Insurance Guaranty Association protects Georgia residents up to $300,000 in life insurance death benefits and $100,000 in cash value, subject to an overall per-person cap. It’s a backstop — choosing a financially strong carrier still matters.
Who regulates life insurance in Georgia?
The Georgia Office of Commissioner of Insurance and Safety Fire. You can verify an agent’s license or file a complaint with them.
Can I buy life insurance in Georgia by phone?
Yes. United Eagles Financial is licensed for life insurance in Georgia; most applications are done by phone or video with an electronic signature.