~~Table~~UNITED ofSTATES SECURITIES ~~Contents~~AND EXCHANGE COMMISSION

~~UNITED~~Washington, ~~STATES SECURITIES~~D.C. ~~AND EXCHANGE COMMISSION~~20549 _________________

~~Washington,~~FORM ~~DC 20549~~8-K

~~FORM~~CURRENT ~~8-K~~REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

~~CURRENT~~January 1, ~~REPORT~~2005 ~~Pursuant~~ Date toof ~~Section 13~~Report ~~or 15~~(d)Date of ~~The~~earliest ~~Securities~~event ~~Exchange Act of 1934~~reported)

~~Date~~Cotton ofStates ~~report~~Life Insurance Company (~~Date~~Exact name of ~~earliest~~registrant ~~event~~as ~~reported):~~specified ~~December 27,~~in ~~2004~~its charter)

COTTON STATES LIFE INSURANCE COMPANY


Georgia	002-39729	58-0830929

(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

(Exact name of registrant as specified in its charter)


244 Perimeter Center Parkway, N.E., Atlanta, Georgia		30346

(Address of principal executive offices)		(Zip Code)

Georgia		002-39729		58-0830929
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

(770) 391-8600

(Registrant’s telephone number, including area code)

~~244~~Check ~~Perimeter~~the ~~Center~~appropriate ~~Parkway,~~box ~~N.E. Atlanta,~~below ~~Georgia~~if the Form 8-K filing is intended to simultaneously satisfy the ~~(Address~~filing obligation of ~~principal~~the ~~executive~~registrant ~~offices)~~under any of the following provisions:

~~30346~~ o Written communications pursuant to Rule 425 under the Securities Act (~~Zip~~17 ~~Code~~CFR 230.425)

~~Registrant’s~~o ~~telephone~~Soliciting ~~number,~~material ~~including~~pursuant ~~area~~to ~~code:~~Rule 14a-12 under the Exchange Act (~~770) 391~~17 CFR 240.14a-~~8600~~ 12)

~~Not~~o ~~Applicable (Former~~Pre-commencement ~~name~~communications orpursuant ~~address,~~to ifRule ~~changed~~14d-2(b) ~~since~~under ~~last~~the ~~report~~Exchange Act (17 CFR 240.14d-2(b) )

~~Check~~o ~~the appropriate box below if the Form 8~~Pre-Kcommencement ~~filing~~communications ispursuant ~~intended~~ to ~~simultaneously~~Rule ~~satisfy~~13e-4(c) ~~the filing~~under ~~obligation of~~ the ~~registrant~~Exchange ~~under~~Act ~~any~~(17 ofCFR ~~the following provisions:~~ 240.13e-4(c))

~~o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230~~Item 7.~~425)~~01 oRegulation FD ~~Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240~~Disclosure.14a-12) o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

~~TABLE~~ On OFJanuary 1, ~~CONTENTS~~2005, Cotton States Life Insurance Company (the “Company”) issued a press release announcing that the previously announced merger of the Company with a subsidiary of Country Life Insurance Company (“COUNTRY Life”) has been consummated effective January 1, 2005. As a result of the merger, the Company is now a subsidiary of COUNTRY Life and wholly-owned by COUNTRY Life and its affiliate. The press release is filed as Exhibit 99.1 hereto and is incorporated herein by reference.

	Item 7.01 Regulation FD Disclosure
	Item 9.01 Financial Information and Exhibits
Signature
Exhibit Index
EX-99.1 PRESS RELEASE

Item 9.01 Financial Statements and Exhibits

~~Table~~ The following exhibits are being furnished as part of ~~Contents~~this Form 8-K:

Item 7.01 Regulation FD Disclosure


Exhibit Number		Description
99.1		Press release of the Company dated January 3, 2005.

~~On December 22, 2004, Cotton States Life Insurance Company (the “Company”) issued a press~~2 release announcing the approval by the Illinois and Connecticut Departments of Insurance of the previously announced merger of the Company with a subsidiary of COUNTRY Life Insurance Company. A copy of the press release is attached as Exhibit 99.1.

~~Item 9.01 Financial Information and Exhibits~~SIGNATURES

~~(c) Exhibits~~Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

99.1 Press Release dated December 22,2004.


	COTTON STATES LIFE INSURANCE COMPANY
Date: January 3, 2005
	By:	/s/ William J. Barlow
		William J. Barlow, Vice President of Finance and Controller

~~Table of Contents~~3

Signature

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

Dated: December 27, 2004
	COTTON STATES LIFE INSURANCE COMPANY
	By:	/s/ J. Ridley Howard
		Name:	J. Ridley Howard
		Title:	Chairman, President and Chief Executive Officer

By: /s/ William J. Barlow Name: William J. Barlow Title: Vice President of Finance

Exhibit Index

Exhibit No.		Description
99.1		Press Release dated December 22, 2004.

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