UNITEDTable STATES SECURITIESof AND EXCHANGE COMMISSION Contents

~~Washington,~~UNITED DCSTATES ~~20549~~SECURITIES AND EXCHANGE COMMISSION

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

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

~~Date~~CURRENT ofREPORT Pursuant ~~report~~to Section 13 or 15(~~Date~~d) of ~~earliest~~The ~~event~~Securities ~~reported):~~Exchange ~~November 8,~~Act ~~2004~~of 1934

~~COTTON~~Date ~~STATES~~of ~~LIFE~~report ~~INSURANCE~~(Date ~~COMPANY~~of earliest event reported): December 27, 2004

~~(Exact~~COTTON ~~name~~STATES ofLIFE ~~registrant~~INSURANCE ~~as specified in its charter)~~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 (Address of principal executive offices)


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

~~30346~~244 Perimeter Center Parkway, N.E. Atlanta, Georgia (~~Zip~~Address ~~Code~~of principal executive offices)

~~Registrant’s telephone number, including area code:~~ 30346 (~~770~~Zip Code) ~~391-8600~~

~~Not~~Registrant’s ~~Applicable (Former~~telephone ~~name or address~~number, ifincluding ~~changed~~area ~~since~~code: ~~last report~~(770) 391-8600

~~Check~~Not ~~the~~Applicable (Former ~~appropriate~~name ~~box~~or ~~below~~address, if ~~the~~changed ~~Form~~since ~~8-K~~last ~~filing is intended to~~report) ~~simultaneously satisfy the filing obligation of the registrant under any of the~~ ~~following provisions:~~

oCheck ~~Written~~the ~~communications~~appropriate ~~pursuant~~box below if the Form 8-K filing is intended to ~~Rule~~simultaneously ~~425~~satisfy ~~under~~the filing obligation of the ~~Securities~~registrant ~~Act~~under ~~(17~~any ~~CFR~~of ~~230.425)~~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))

oTABLE ~~Pre-commencement~~OF ~~communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))~~CONTENTS

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
	Item 9.01 Financial Information and Exhibits
Signature
Exhibit Index
EX-99.1 PRESS RELEASE

Item 7.01 Regulation FD Disclosure

On ~~November~~December 522, 2004, Cotton States Life Insurance Company (the “Company”) issued a press release ~~containing~~announcing ~~information~~the ~~about~~approval by the ~~Company’s~~Illinois ~~financial condition~~and orConnecticut ~~results~~Departments of ~~operations~~Insurance ~~for~~of the previously ~~three~~announced ~~month~~merger ~~and~~of ~~nine~~the ~~month~~Company ~~periods ended~~with ~~September 30,~~a ~~2004~~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

99.1 Press Release dated ~~November 5,~~December 22,2004.

Signature Table of Contents

~~Pursuant to the requirements of the Securities Exchange Act of 1934, the~~Signature ~~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

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.

Exhibit Index


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

Exhibit No.		Description
99.1		Press Release dated November 5, 2004



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.

Filing Compare · COTTON STATES LIFE INSURANCE CO /