SECURITIESTable ANDof EXCHANGE COMMISSION Washington, D. C. 20549 Contents

~~FORM~~SECURITIES 8AND –EXCHANGE KCOMMISSION

~~CURRENT~~Washington, ~~REPORT PURSUANT~~D. TOC. ~~SECTION 13 OR 15 (d) OF~~20549 ~~THE SECURITIES EXCHANGE ACT OF 1934~~

~~Date~~FORM ~~of Report November 10, 2003~~8-K

~~COTTON~~CURRENT ~~STATES~~REPORT PURSUANT ~~LIFE~~TO ~~INSURANCE~~SECTION ~~COMPANY~~13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934

~~(Exact~~Date ~~name~~ of ~~registrant~~Report asNovember ~~specified~~12, ~~in its charter)~~ 2003

GEORGIA	002-39729	58-0830929
(State or other jurisdiction of	(Commission	(I.R.S. Employer
incorporation or organization)	File Number)	Identification No.)

COTTON STATES LIFE INSURANCE COMPANY

244 PERIMETER CENTER PARKWAY, N.E., ATLANTA, GEORGIA		30346
(Address of principal executive offices)		(Zip code)
Registrant’s telephone number, including area code		(404) 391-8600

(Exact name of registrant as specified in its charter)

ITEM 5. Other Events and Required FD Disclosure


GEORGIA	002-39729	58-0830929

(State or other jurisdiction of incorporation or organization)	(Commission File Number)	(I.R.S. Employer Identification No.)

~~Cotton~~244 ~~States~~PERIMETER ~~Insurance~~CENTER ~~Group and COUNTRY Insurance & Financial Services issued a press release on November 10~~PARKWAY, ~~2003 announcing that they have entered into a letter agreement outlining the terms of a potential transaction between the two organizations~~N. ~~A copy of the press release is attached hereto as exhibit 99~~E.~~1 and a copy of the letter agreement is attached hereto as exhibit 99.2~~, ~~each of which is incorporated herein by reference. In connection with the letter agreement~~ATLANTA, ~~Shield~~GEORGIA ~~Insurance Company,~~(Address ~~a wholly owned subsidiary~~ of ~~Cotton~~principal ~~States~~executive ~~Mutual~~offices) ~~Insurance Company,~~30346 ~~and~~(Zip COUNTRY Life Insurance Company, an affiliate of COUNTRY Insurance & Financial Services, have entered into a Stockholder Agreement, a copy of which is attached hereto as exhibit 99.3 and is incorporated herein by reference. code)

~~ITEM~~Registrant’s 7.telephone ~~Financial Statements~~number, ~~Proforma~~including ~~Financial~~area ~~Information~~code ~~and~~(404) ~~Exhibits~~ 39l-8600

~~(c) Exhibits~~ TABLE OF CONTENTS

99.1		Press Release issued November 10, 2003.
99.2		Letter Agreement dated as of October 29, 2003, by and between COUNTRY Insurance & Financial Services, Cotton States Mutual Insurance Company, Shield Insurance Company, Cotton States Life Insurance Company and their affiliates.
99.3		Stockholder Agreement dated as of October 29, 2003 by and between COUNTRY Life Insurance Company and Shield Insurance Company.


SIGNATURES
Exhibit Index
PRESS RELEASE

SIGNATURES Table of Contents

~~Pursuant~~ITEM to7. ~~the~~Financial ~~requirements~~Statements, ofProforma ~~the~~Financial ~~Securities~~Information and ~~Exchange Act of 1934,~~Exhibits ~~the Registrant has duly caused this report to be signed on its behalf by the~~ ~~undersigned hereunto duly authorized.~~

November 10, 2003
		COTTON STATES LIFE INSURANCE COMPANY
		BY: /s/ J. Ridley Howard J. Ridley Howard, Chairman President and Chief Executive Officer
		BY: /s/ William J. Barlow Vice President of Finance and Assistant Treasurer

~~Exhibit~~ 99.1 Press Release issued November ~~Index~~12, 2003.

Number		Descriptions
99. 1		Press Release issued November 10, 2003
99.2		Letter Agreement dated as of October 29, 2003, by and between COUNTRY Insurance & Financial Services, Cotton States Mutual Insurance Company, Shield Insurance Company, Cotton States Life Insurance Company and their affiliates.
99.3		Stockholder Agreement dated as of October 29, 2003 by and between COUNTRY Life Insurance Company and Shield Insurance Company.

ITEM 9. Regulation FD Disclosure

The information contained in this Item 9 is being furnished to the Securities and Exchange Commission (the “Commission”) pursuant to Item 12 of Form 8-K, “Disclosures of Results of Operations and Financial Condition,” as directed by the Commission in Release No. 23-47583.

On November 12, 2003, Cotton States Life Insurance Company (the “Company”) issued a press release containing information about the Company’s financial condition or results of operations for the three month and nine month periods ended September 30, 2003. A copy of the press release is attached hereto as Exhibit 99.1.

SIGNATURES

Pursuant to the requirements of the Securities and Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


November 12, 2003

	COTTON STATES LIFE INSURANCE COMPANY

	BY:	/s/ J. Ridley Howard

		J. Ridley Howard, Chairman President and Chief Executive Officer

	BY:	/s/ William J. Barlow

		Vice President of Finance and Assistant Treasurer

Exhibit Index


Number		Descriptions

99.1		Press Release issued November 12, 2003

Filing Compare · COTTON STATES LIFE INSURANCE CO /