Delta Life Insurance Review

Whole life insurance for Georgia, Mississippi, and South Carolina residents

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Delta Life Insurance

Delta Life Insurance

Our Take 

Delta Life Insurance is a Georgia-based life insurance company that offers several whole life insurance policies in only three states. Policy information is sparse, and quotes are not available online for any policy. Customer complaints are very high, and the company is not rated by AM Best. We do not recommend getting a policy with Delta Life Insurance, but instead finding a policy with a top-rated life insurance company.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
  • Multiple riders included with most policies

  • Level premiums available

  • All policy quotes require talking to an agent directly

  • No term or universal policies available

  • Lack of transparency on policy details

  • Only up to $25,000 in coverage available

Key Takeaways
  • Delta Life Insurance is part of Delta Fire & Casualty Insurance
  • Delta Fire & Casualty requested removal from AM Best ratings in 2008
  • Delta Life Insurance offers three types of whole life policies
  • Delta Life Insurance is only available in Georgia, Mississippi, and South Carolina
  • Year Founded 1958
  • Kinds of Plans Whole Life
  • Number of Plans 3
  • Payment Options Monthly, Annual
  • Official Website

Delta Life Insurance offers whole life insurance to residents of GA, MS, and SC. We researched Delta Life Insurance’s financial stability, policy plan options, riders, website tools, and customer service reviews to help you compare the life insurance policy options of Delta Life Insurance with the competition. 

Company Overview

Delta Life Insurance was founded in 1958 and offers several types of whole life insurance policies to all ages. It also offers fire and casualty insurance against events like fire, lightning, windstorm, hail, explosion, smoke, aircraft, vehicles, falling objects, riot, civil commotion, and sinkhole collapse.

Delta Life Insurance whole life policies offer several riders as well to help add additional coverage options and flexibility to your policy. Policy quotes are not available online and require you to talk directly to an agent for an exact quote.

Delta Life Insurance is licensed in only three states, but actual availability varies by product and state. 

Available Plans

Delta Life Insurance offers three types of whole life insurance plans with included and optional riders available. Delta does not offer term life policies or universal life plans. Basic policy details are available online, but exact coverage and pricing can only be obtained by speaking with a Delta Life Insurance agent directly.

Delta Life Classic Preferred Whole Life Insurance

Delta Life Classic Preferred is a permanent life insurance policy with coverage available up to $25,000. This policy can accumulate cash value which can be borrowed against on a tax-free basis or accessed early with optional riders. This policy also has a guaranteed cash value and level premiums throughout the life of the policy.

Coverage is available for individuals ages 1 to 74 years old.

Delta Life One Parent Family Policy

The Delta Life One Parent Family Policy is another whole life offering but coverage details are not available online; you must speak to an agent for policy details and coverage options. Premiums are fully paid by age 65, and it includes AD&D coverage automatically.

10- and 20-Year Paid Up Whole Life Insurance

The final whole life policy offered by Delta Life Insurance offers from $10,000 to $20,000 in coverage from ages 0 to 65 years. Premiums are level throughout the policy, and coverage lasts a lifetime. As with the other whole life policies, the cash value is built within the policy and can be borrowed against on a tax-free basis.

There are two payment options available:

  • 10-Pay: Premiums are fully paid after 10 years, available for individuals 0-25 years of age
  • 20-Pay: Premiums are fully paid after 20 years, available for individuals 0-65 years of age

Available Riders

Delta Life Insurance offers access to three riders for its life insurance policies. A rider is an optional policy enhancement that adds additional benefits to the insurance policies. Rider fees are typically billed as a small percentage of the policy premium, or as a flat annual fee. Fees vary by policy, product, and options selected.

Disability Waiver of Premium Rider

If you become permanently disabled (unable to work) before age 60, you may be eligible to have your premiums waived.

Accidental Death Benefit Rider

This rider pays double the policy face value if the policyholder’s death is due to an accident. If the death is caused by a “common carrier” such as a bus or train, the payout will be three times the policy face value. 

This rider also carries additional financial support if the insured loses sight or limbs due to the accident.

Children’s Term Benefit Rider

This rider offers level-term life insurance for your children from age 15 days to 22 years. Policies can be converted to a whole life policy for children ages 18 to 22 years.

Coverage benefits range from $5,000 to $10,000, and the policyholder can cover an unlimited number of dependent children with this rider.

Customer Service: Phone, Email, or In Person

Delta Life Insurance offers support over the phone, online, or in person at one of its local offices. Delta Life Insurance customer service business hours are not listed online, but they can be reached by calling 404-231-2111 or sending an email to

Delta Life Insurance does not offer live chat support online.

Customer Satisfaction: Poor Ratings

According to the National Association of Insurance Commissioners (NAIC) complaint index, Delta Life Insurance receives far more complaints than other life insurance companies its size. While an average complaint score is 1.0 (the lower, the better, based on market share), Delta Life Insurance received a 10.45 score. This is worse than its 2018 and 2019 scores, which were 1.75 and 4.37, respectively. While there have been more formal complaints each year, the number of complaints has only increased from one complaint in 2018 to three complaints in 2020.

J.D. Power also ranks companies based on customer satisfaction, but Delta Life Insurance was not listed in the J.D. Power 2020 U.S. Life Insurance Study.

Financial Strength: Not Rated

Delta Life Insurance is not rated by AM Best. In fact, the Delta Fire & Casualty Insurance Company (its sister company) asked to be removed from the AM Best rating system in 2008, as it had a B+ (Good) rating at that time. Without this rating, it’s hard to determine if Delta Life Insurance has the ability to pay out life insurance claims.

Cancellation Policy: Standard Free Look Period

Delta Life Insurance doesn’t advertise its cancellation policies, which likely means it adheres to the state-minimum "free look" cancellation policy for insurance providers. If a customer decides to cancel for any reason within that period, they will receive a full refund of the premiums paid. 

After the free look period, cancellation terms vary among life insurance policies, and you will need to reach out to a Delta Life Insurance agent for specifics. There may be a refund of the cash value of the policy, but there may also be a cash value surrender charge as well.

Delta Life Insurance’s cancellation fees are not publicly listed, you will need to speak to an agent for any fees and charges involved with canceling a policy.

Price of Delta Life Insurance: Not Available

Delta Life Insurance only offers whole life policies, which tend to cost more than term policies, as they provide lifetime coverage and a cash value benefit. Delta Life Insurance premiums will vary by policy, and prices are not available online. You will need to speak with a Delta Life Insurance agent directly for exact pricing details.

How Delta Life Insurance Compares to Other Life Insurance

Delta Life Insurance offers only three whole life policy options with very limited coverage. Coverage details and pricing are not available online, and policies are only available in three states.

Also, customer service scores from NAIC are very low, showing a poor track record of customer service for existing clients. Here’s how Delta Life Insurance compares to a larger, national life insurance company.

Delta Life Insurance vs. Transamerica Life Insurance

Both Delta Life Insurance and Transamerica offer whole life insurance policies. Both companies also offer child term riders to cover the insured’s children. But while Transamerica offers term and universal life products with high coverage amounts, Delta Life Insurance only offers low-benefit whole life products.

Here are a few key differences between Delta Life Insurance and Transamerica:

  • Transamerica Life Insurance is available in all 50 states, while Delta Life Insurance is only available in three states.
  • Delta Life Insurance offers three types of whole life insurance, while Transamerica only offers one whole life policy.
  • Transamerica offers low-cost term life insurance with online quotes available.
  • Delta Life Insurance also offers fire and casualty insurance through its sister company.

While Delta Life Insurance offers a few whole life policy options, most individuals would do better shopping the wide variety of policy options of Transamerica, including free online quotes for term life insurance.

Read our full Transamerica Life Insurance review.

  Delta Life Insurance Transamerica Life Insurance 
Market Share N/A Eight-largest in the U.S., 2.80%
Number of Plans 
Online Quotes Available?  No  Yes (term life only) 
Service Method  Email, phone, in person  Email, phone, in person 
AM Best Rating  Not Rated  A (Excellent) 
Complaints Index  10.45 (Very Poor)  1.31 (Fair) 
Final Verdict

Delta Life Insurance only offers limited-coverage whole life policies with very few options available for customization. In addition, quotes and full policy details require speaking with an agent directly. It is only available in three states and has no third-party financial rating to gauge stability.

Delta Life Insurance has more customer complaints than other life insurance companies its size as well, making it a poor choice for most. We do not recommend Delta Life Insurance at this time, as far better policy coverage and options are available from top-rated life insurance companies instead.


All of our reviews of life insurance companies are based on extensive research and analysis of each company’s offerings, customer service, financial stability, cost, and more. For each company, we compared the life insurance products offered, as well as available features, and reported customer experiences. Visit our life insurance review methodology for the full breakdown of what we evaluated for over two dozen companies.