UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of report (Date of earliest event reported): November 8, 2004

COTTON STATES LIFE INSURANCE COMPANY

(Exact name of registrant as specified in its charter)


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

244 Perimeter Center Parkway, N.E.
Atlanta, Georgia
(Address of principal executive offices)

30346
(Zip Code)

Registrant’s telephone number, including area code: (770) 391-8600

Not Applicable
(Former name or address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:


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


o		Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-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))

Item 7.01 Regulation FD Disclosure

On November 5, 2004, 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, 2004. A copy of the press release is attached as Exhibit 99.1

Item 9.01 Financial Information and Exhibits

99.1 Press Release dated November 5, 2004.

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: November 8, 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 November 5, 2004

COTTON STATES LIFE INSURANCE CO / 8-K