COTTON STATES LIFE INSURANCE CO /

Cotton States Life Insurance Co. operates as a traditional life insurer rooted in the broader SIC 63 financial services corridor, offering life, accident, and health protection products that aim to serve middle-income families, small business owners, and affinity groups seeking long-term financial security; the company focuses on tailored policies, annuities, and supplemental coverage that align with state-level insurance regulations, so its underwriting and reserve strategies must stay aligned with the considerable capital, solvency, and consumer-protection oversight of the departments of insurance in the states where it writes business. Emerging risks include interest-rate volatility that can strain the duration-matching of long-duration liabilities, regulatory shifts around risk-based capital, and the operational need to maintain accurate mortality tables and robust claims controls. Given the undetailed status of recent filings, investors should monitor filings for changes in financial condition or guarantees, keeping in mind the company’s exposure to legacy blocks and reinsurance counterparties. View live SEC filings on Earnings Feed.

Source: Earnings Feed research · last updated 11/24/2025