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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

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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): October 20, 2004

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COTTON STATES LIFE INSURANCE COMPANY

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

30346
(Zip Code)

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

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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))

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Item 7.01 Regulation FD Disclosure

     On October 18, 2004, Cotton States Life Insurance Company (the “Company”) issued a press release announcing the receipt of a notice from the Georgia Department of Insurance and from COUNTRY Insurance and Financial services that a public hearing will be held before Georgia’s Commissioner of Insurance at 10:00 a.m. on October 28, 2004. A copy of the press release is attached as Exhibit 99.1

Item 9.01 Financial Information and Exhibits

     (c) Exhibits

     99.1 Press Release dated October 18, 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: October 20, 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