COTTON STATES LIFE INSURANCE CORPORATION
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SECURITIES AND EXCHANGE COMMISSION

Washington, D. C. 20549

FORM 8-K

CURRENT REPORT
PURSUANT TO SECTION 13 OR 15 (d) OF
THE SECURITIES EXCHANGE ACT OF 1934

     
Date of Report   November 12, 2003

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 or organization)
  (Commission
File Number)
  (I.R.S. 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   (404) 39l-8600

 


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SIGNATURES
Exhibit Index
PRESS RELEASE


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ITEM 7. Financial Statements, Proforma Financial Information and Exhibits

     (c)  Exhibits

     99.1 Press Release issued November 12, 2003.

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.

 


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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