Mississippi Life Insurance [2024]
Mississippi insurance offers residents incontestability clauses that prohibit companies from canceling a policy after two years and a timely payment of death claims. Get affordable MS insurance quotes to protect your loved ones.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Feb 27, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Feb 27, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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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
Fidelity Life Association
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.
Frequently Asked Questions
Can my Mississippi insurance policy be canceled after two years?
No, incontestability clauses in Mississippi prohibit policy cancellations after two years as long as death claims are paid on time.
How can I compare affordable Mississippi insurance quotes?
Use the free quote tool provided.
Do Mississippi insurance rates vary by state?
No, the rates are the same regardless of the state you live in.
How many insurance companies operate in Mississippi?
There are 14 insurance companies specifically operating in Mississippi.
How can I contact the Mississippi Insurance Department?
Call 1-800-562-2957 or visit their website.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.