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Cotton States Insurance

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Cotton States is a group of companies, which includes Cotton States Mutual Insurance Company, Shield Insurance Company, Cotton States Life Insurance Company and Cotton States Investment Company. Cotton States Life Insurance Company has two subsidiaries, CSI Brokerage Services, Inc. and CS Marketing Resources. These subsidiaries expand the Company’s product line by offering property and casualty products, as well as life, health and disability coverage.
 
The Company has hundreds of agents throughout the Southeast who provide fast and friendly service to our policyholders. They pride their selves on prompt and courteous property and casualtyclaims service available 24 hours a day, seven days a week. In fact, the majority of all claims are satisfactorily completed within days.
 
In addition to their home, auto and life policies, Cotton States also offers a number of specialty coverage’s, including renters insurance, mortgage protection, health coverage, dental plans, guaranteed issue life plans, disability insurance, mobile home insurance and many other specialty insurance products to meet your insurance needs. Buying life insurance is one of the best ways to protect your family against financial hardships. Unfortunately, many people don’t realize the importance that adequate life insurance coverage plays in a family’s financial well being.
 
Universal Life Insurance is a permanent life insurance program that provides flexible premiums and an option of two adjustable death benefits. It also accumulates cash values and offers competitive tax-deferred interest. Loans and withdrawals are available on a tax-favored basis.
 
Whole Life Insurance provides permanent protection at an economical price. It offers moderate premiums that are locked in at the time of purchase. The death benefits cannot fall below the initial face amount. There are guaranteed cash values and paid up options. Participating Life Insurance is a stable insurance program with guaranteed death benefits, tax deferred cash accumulation and the flexibility to meet a wide range of financial goals. The participating life insurance guarantees that your premiums will never increase, your death benefits will not decrease and your coverage won't expire regardless of your age or health.
 
At Cotton States, their Most Important Policy Is Trust. Their regional focus ensures that an agent who lives serves you in your community by someone who knows the issues that are important to you and your family. Your Cotton States agent will periodically analyze your coverage to ensure that you are adequately covered, without duplicating your coverage.

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