North Carolina Life Insurance | NC . life insurance rates

Rachel Brennan has been in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she obtained a property and casualty license in all 50 states. Several years later she expanded her insurance experience, and also obtained a license in health insurance and AD&D insurance. I worked for a small health in…

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Rachel Brennan

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Benjamin Carr was a licensed insurance agent in Georgia with two years’ experience in life, health, property and casualty insurance. He has worked with State Farm and other risk management companies. He is also a writer and strategy editor with a background in branding, marketing, and quality assurance. He’s been in the military newsrooms – literally in the front lines of the press.

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Updated: May 12, 2022

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We offer life insurance to North Carolina residents from many of the best North Carolina life insurance companies. Life insurance is very similar from state to state, with a few exceptions, so expect North Carolina life insurance rates to vary.

However, this guide should help you understand the differences in life insurance in North Carolina as well as find resources in your state. We’ll also show you how to get the best life insurance in North Carolina.

Life insurance rates in North Carolina

We offer life insurance to North Carolina residents from many A-rated life insurance companies. Life insurance is very similar from state to state, with a few exceptions. This guide should help you understand the differences as well as find resources in your state.

policy cost Premium (cost) you pay for a life insurance policy no Varies by state. It is the same no matter what state you live in. Premiums are set by life insurance companies and then approved by the state insurance ministry.

Company Availability Not all companies are available in every state. For example, if a North Carolina life insurance company does not file its products or rates with your state’s Department of Insurance, that company will not be available in your state. Company availability often changes due to new filings.

Product Availability – There are cases where life insurance companies only offer specific products or passengers in the state. For example, a company may offer a child insurance rider in its policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on Life Insurance Companies in the list below.

North Carolina life insurance also offers residents a 10-day free look-up period, a 30-day grace period, and a death payment guarantee of up to $300,000.

Life insurance quotes are always free.

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Life insurance rates in North Carolina

You may be wondering what to expect with life insurance rates in North Carolina. In the chart below, you’ll find what the best North Carolina life insurance companies charge based on the age, marital status, and gender of non-smokers. However, your rates will likely be different, especially if you are a smoker.

You can also see how many life insurance companies are in North Carolina versus other southern states.

According to the graph, there are 10 North Carolina life insurance companies that do business specifically within the state. Therefore, these 10 companies probably offer the best life insurance in North Carolina. This also means more life insurance policy options for North Carolina.

North Carolina Guarantee Association

State guarantee societies are obligated to protect resident insurance policy holders and beneficiaries in the event of the insurance company’s bankruptcy. The association consists of all insurance companies licensed to sell life, health, and annuities insurance in the state. If the insurance company becomes insolvent (going out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to the specified limits.

In North Carolina, a life insurance policy is protected up to $300,000. This amount is the maximum amount of interest offered for any one life. In other words, multiple policies limit anyone to that amount.

Life Insurance Connections in North Carolina

Below is a list of all necessary government contacts for residents with North Carolina life insurance claims and other related matters.

Warranty Association

If you need information about North Carolina life insurance or a health insurance guarantee, contact North Carolina Life and Health Insurance Association at 1-919-833-6838 or visit the website.

Insurance Department

To get the latest updates from North Carolina Department of Insurance, you can call 1-800-546-5664 or visit the website. Here, you can access resources such as Consumer Services of the North Carolina Department of Insurance as well as find answers to questions such as “How do I file a complaint against an insurance company in NC?”

If you want to know “How do I contact the North Carolina Insurance Commissioner”, you can contact the North Carolina Insurance Commissioner at the Insurance Commissioner’s office in Raleigh, North Carolina.

You can also get up-to-date information about life insurance for North Carolina employees, access North Carolina insurance agent search, and find a North Carolina insurance license registry here.

Legal information

QuickQuote is licensed to sell life insurance in North Carolina under agency license number 1000010137.

The Company’s authorized director is Tim Bain, dealer license number 002890464.

Life insurance quotes are always free.

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Life insurance companies in North Carolina

American General Life Insurance Company

Banner life insurance company

Fidelity Life Association

Haven Live / MassMutual

John Hancock Life Insurance Company

Lincoln National Life Insurance Company

MetLife Life Insurance Company

North American Life and Health Insurance Corporation

Pacific Life and Pensions Corporation

Home Life Insurance Company

Preventive life insurance company

Broco Life Insurance Company (Prudential)

Sajikor Life Insurance Company

Massachusetts Savings Bank Life Insurance Corporation (SBLI)

Transamerica life insurance company

Omaha United Life Insurance Company

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