Cotton States Life Insurance Co.

Cotton States' slogan is "Our Most Important Policy Is Trust." Cotton States offers life insurance as well as other policies, including home, auto, renter's, disability, and long-term care insurance in Tennessee, George, Alabama and Florida. Cotton States Life offers many different life insurance policy types. The company offers universal life insurance, which accumulates cash value and interest over time. Loans can be taken against universal life policies, and cash can be withdrawn from the value of the policy.

Term life is a less expensive option, particularly for young people, which provides death benefits over a specific period of time. Whole life insurance is a third option offered by Cotton States, which guarantees permanent protection for a specific amount. Other life insurance options include participating life, graded benefit life, and simplified issue. Not all policies are available in all states.

Cotton States Life History

Cotton States Insurance was founded in 1941 and is based in Atlanta. In 2003, Cotton States formed an alliance with COUNTRY Financial, a group of companies offering insurance and investment plans. Through this alliance, Cotton States has been able to add 24-hour claims service, customer service, and emergency road-side service, as well as expanded options and discounts for insurance policies.

Cotton States Life Ratings

Cotton States Life Insurance Company is rated A- (Excellent) by A.M. Best. Other insurance services by Cotton States, such as Cotton States Mutual Insurance Co., are consistently rated A+ (Superior), as is COUNTRY Financial.