Mississippi Life Insurance [2024]

We offer Mississippi residents life insurance from several of the best MS life insurance companies. Life insurance is very similar from state-to-state, with a few exceptions, so your Mississippi life insurance rates may vary.

However, this guide should help you understand the differences in Mississippi life insurance as well as find resources in your state. We’ll also show you how to get the best life insurance in Mississippi.

Before we dive into this guide, find affordable Mississippi life insurance rates by clicking on our FREE quote tool above. Get started now.

Mississippi Life Insurance Quotes

We offer Mississippi residents life insurance from several A-rated life insurance companies. Life insurance is very similar from state to state, with a few exceptions. This guide should help you understand the differences as well as find resources in your state.

Policy Cost – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies then approved by the State Insurance Department.

Company Availability – Not all companies are available in every state. For example, if a life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.

Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a child insurance rider on their policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on the life insurance companies in the list below.

Mississippi life also insurance offers residents incontestability clauses that prohibit companies from canceling a policy after two years and a timely payment of death claims. (For more information, read our “Life Insurance Incontestability Clause (Terms Explained)“).

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Life Insurance Rates in Mississippi

Let’s take a look at what the best life insurance companies charge. This will give you an idea of what to expect with Mississippi life insurance rates. In the first chart below, you’ll notice the average annual rates for non-smokers based on age, marital status, and gender. 

Now, take a look at the average annual rates for smokers based on age, marital status, and gender. As you can see, the Mississippi life insurance quotes are much higher, presumably because of the higher mortality risk.

You can also see how many life insurance companies there are in Mississippi versus the other southern states.

According to the chart, there are 14 Mississippi life insurance companies that specifically do business within the state, which means plenty of Mississippi life insurance policy options for you. Click our free quote tool on this page to find out exactly who will offer you the best Mississippi life insurance rate.

Mississippi Guaranty Association

State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of all insurance companies licensed to sell life insurance, health insurance and annuities in the state. If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to defined limits.

In Mississippi, a life insurance policy is protected up to $300,000. This amount is the maximum benefit provided for any one life. In other words, multiple policies on any one person are limited to this amount.

Mississippi Life Insurance Contacts

Here is a list of all the necessary state contacts for residents with Mississippi life insurance claims and other related matters.

Guaranty Association

If you need information about a Mississippi life insurance or health insurance guaranty, contact the Mississippi Life & Health Insurance Guaranty Association at 1-601-981-0755 or visit the website.

Insurance Department

For the latest updates about Mississippi state insurance, you can contact the Mississippi Insurance Department by phone at 1-800-562-2957 or visit the website.

For state employees, the Mississippi Insurance Department is also your source for up-to-date information about the State of Mississippi employee benefits, including Mississippi state employee insurance costs and the Mississippi state health insurance program. You can also access resources and tools such as Mississippi state and school employees’ health insurance plans. Wellness and preventive coverage information here can help you reduce your costs and maintain a healthy lifestyle.

Whether you’re looking for MS state health insurance for teachers or Mississippi state employee prescription drug coverage, this state insurance department has all the answers to your questions.

Legal Info

QuickQuote is licensed to sell life insurance in Mississippi under Agency License Number 9900686.

The licensed company principal is Tim Bain, Agent License Number 103037.

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Mississippi Life Insurance Companies

American General Life Insurance Company

Banner Life Insurance Company

Fidelity Life Association

Haven Life / MassMutual

John Hancock Life Insurance Company

Lincoln National Life Insurance Company

Metlife Life Insurance Company

North American Company for Life & Health Insurance

Pacific Life & Annuity Company

Principal Life Insurance Company

Protective Life Insurance Company

Pruco Life Insurance Company (Prudential)

Sagicor Life Insurance Company

The Savings Bank Life Insurance Company of Massachusetts (SBLI)

Transamerica Life Insurance Company

United of Omaha Life Insurance Company

Don’t wait — Use our free quote tool to get affordable life insurance rates in Mississippi. Get started now.

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