North Carolina Life Insurance | NC Life Insurance Quotes
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in…
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Written by
Rachael Brennan
Licensed Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
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Reviewed by
Benji Carr
Former Licensed Life Insurance Agent
UPDATED: Apr 27, 2022
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We offer North Carolina residents life insurance from several of the best NC life insurance companies. Life insurance is very similar from state to state, with a few exceptions, so expect your North Carolina life insurance rates to vary.
However, this guide should help you understand the differences in North Carolina life insurance as well as find resources in your state. We’ll also show you how to get the best life insurance in North Carolina.
North Carolina Life Insurance Quotes
We offer North Carolina residents life insurance from several 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 – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies then approved by the State Insurance Department.
Company Availability – Not all companies are available in every state. For example, if a North Carolina life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.
Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a child insurance rider on their policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on the life insurance companies in the list below.
North Carolina life insurance also offers residents a 10-day free look period, 30-day grace period, and a guarantee of death payments up to $300,000.
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Life Insurance Rates in North Carolina
You may be wondering what to expect with North Carolina life insurance rates. In the chart below, you’ll find what the best life insurance companies in North Carolina charge based on age, marital status, and gender for non-smokers. However, it’s possible that your rates will be different, especially if you smoke.
You can also see how many life insurance companies there are in North Carolina versus the other southern states.
According to the chart, there are 10 North Carolina life insurance companies that specifically do business within the state. So, chances are, those 10 companies will offer the best life insurance in North Carolina. That also means more North Carolina life insurance policy options for you.
North Carolina Guaranty Association
State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of all insurance companies licensed to sell life insurance, health insurance and annuities in the state. If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to defined limits.
In North Carolina, a life insurance policy is protected up to $300,000. This amount is the maximum benefit provided for any one life. In other words, multiple policies on any one person are limited to this amount.
North Carolina Life Insurance Contacts
Here is a list of all the necessary state contacts for residents with North Carolina life insurance claims and other related matters.
Guaranty Association
If you need information about a North Carolina life insurance or health insurance guaranty, contact the North Carolina Life & Health Insurance Guaranty Association at 1-919-833-6838 or visit the website.
Insurance Department
For the latest updates from the North Carolina Department of Insurance, you can call 1-800-546-5664 or visit the website. Here, you can access resources like the NC Department of Insurance consumer services as well as find answers to questions like “how do I file a complaint against an insurance company in NC”?
If you want to know “how do I contact the NC Insurance Commissioner,” you can contact the NC Insurance Commissioner at the Insurance Commissioner Office in Raleigh, NC.
You can also obtain up-to-date information about NC state employee life insurance, access the North Carolina Department of Insurance agent lookup, and find a North Carolina insurance license record here.
Legal Info
QuickQuote is licensed to sell life insurance in North Carolina under Agency License Number 1000010137.
The licensed company principal is Tim Bain, Agent License Number 002890464.
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North Carolina Life Insurance Companies
American General Life Insurance Company
Banner Life Insurance Company
Fidelity Life Association
Haven Life / MassMutual
John Hancock Life Insurance Company
Lincoln National Life Insurance Company
Metlife Life Insurance Company
North American Company for Life & Health Insurance
Pacific Life & Annuity Company
Principal Life Insurance Company
Protective Life Insurance Company
Pruco Life Insurance Company (Prudential)
Sagicor Life Insurance Company
The Savings Bank Life Insurance Company of Massachusetts (SBLI)
Transamerica Life Insurance Company
United of Omaha Life Insurance Company
