Connecticut’s life insurance laws are governed by Title 38 of the General Statutes of Connecticut.
- 10-day free look period (CT Gen. Stat Ann. 38a-436)
- 60-day grace period (CT Gen. Stat Ann. 38a-439)
- Insurers must pay interest on death benefits beginning 10 days after the insured’s death (CT Gen. Stat Ann. 38a-452)
- Guarantees up to $500,000 for lost death benefits and $500,000 for lost cash surrender value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, Delaware’s life insurance laws and District of Columbia’s life insurance laws are nearly identical to those of Connecticut).
How Much Is A $10,000 Whole Life Policy In Connecticut?
The table below shows the rates by age of $10,000 of whole life insurance in Connecticut.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.60 | $16.55 | $14.44 | $15.56 |
| 25 | $15.56 | $18.18 | $15.15 | $16.89 |
| 30 | $17.41 | $20.40 | $15.88 | $19.10 |
| 35 | $19.25 | $22.63 | $17.79 | $21.34 |
| 40 | $20.93 | $24.89 | $20.12 | $23.99 |
| 45 | $23.82 | $28.91 | $22.86 | $27.63 |
| 50 | $27.52 | $33.56 | $24.94 | $32.26 |
| 55 | $32.34 | $39.59 | $28.46 | $37.31 |
| 60 | $39.29 | $47.68 | $33.06 | $42.22 |
| 65 | $48.03 | $57.95 | $41.57 | $50.59 |
| 70 | $60.35 | $70.86 | $52.85 | $60.13 |
| 75 | $98.27 | $132.61 | $71.52 | $94.86 |
| 80 | $135.03 | $182.18 | $98.12 | $135.22 |
| 85 | $187.85 | $257.67 | $132.43 | $192.79 |
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Best Life Assurance In New Haven
New Haven, Connecticut, is a vibrant city that uniquely blends historical charm with modern vibrancy, making it a distinctive destination on the East Coast. Renowned as the home of Yale University, one of the world’s leading education and research institutions, New Haven offers a rich educational and cultural landscape. The city’s downtown area is bustling with life, featuring a variety of shops, restaurants, and theaters, while its well-preserved architecture narrates stories of its past. Notably, New Haven has also established itself as a culinary haven, particularly famous for its mouthwatering pizza. With its lush green spaces, diverse community, and engaging arts scene, New Haven provides a dynamic urban living experience amidst the backdrop of tradition and innovation.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Not4Profit Life Insurance, Inc. | 98 Harbor St | +12034354973 |
| Abbate Insurance Associates, Inc. | 671 State St | +12037777229 |
| Walker Insurance Solutions Expertise LLC | 30 Robertson St | +12034890999 |
| J&R Insurance Services | 147 Townsend Terrace | +12032150245 |
| L. H. Brenner Insurance | 1412 Whalley Ave | +12033892156 |
| Grand Insurance Group LLC | 103 Grand Ave Ste B | +14752273760 |
| Luis Feliciano Ins Agency LLC | 157 Church St 19th Floor | +14074942866 |
| Fred C. Church Insurance | 555 Long Wharf Dr | +12037890100 |
| Index Universal Life Insurance Hector Zayas Jr. | 19-C Liberty St | +12038236832 |
| ADH Wealth Solutions | 66 Orange St #404 | +12034576493 |
| Agency One Group | 1015 State St | +12037722221 |
Best Coverage In Bridgeport
Bridgeport, nestled in the heart of Connecticut, stands as the largest city in the state, boasting a rich history rooted in industrial innovation and cultural diversity. This vibrant city, located on the picturesque Long Island Sound, is a hub of activity, offering a plethora of attractions, from the thought-provoking Discovery Museum and Planetarium to the scenic Seaside Park designed by Frederick Law Olmsted. Bridgeport’s revitalized downtown arts and entertainment scene, along with its historic neighborhoods, spotlight the city’s ongoing transformation into a dynamic, modern urban center. Coupled with its strong community spirit and economic opportunities, Bridgeport presents an engaging blend of historical charm and contemporary living.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| MORAN AGENCIES | 4324 Main St | +12033710222 |
| Durango Insurance Agency Bridgeport CT | 2574 Main St | +12036125292 |
| Richard C. Ahern Insurance, LLC | 2929 Fairfield Ave | +12035204973 |
| Sacoto Agency | 1301 Wood Ave | +12033302669 |
| CRN Insurance Agency | 1681 Park Ave | +12034270704 |
| Smart Insurance | 964 Madison Ave | +12032527000 |
| Elizabeth McGovern – Aflac Insurance Agent | 900 Lakeside Dr | +12036501879 |
| Steve Boyle – State Farm Insurance Agent | 920 Broad St | +12036150007 |
| Chris Boyle – State Farm Insurance Agent | 2417 E Main St | +12038706650 |
| Nate Moran: Allstate Insurance | 3900 Main St | +12038646232 |
| Joe Montanaro: Allstate Insurance | 1118 Madison Ave | +12035760464 |
| Goosehead Insurance – Lucy Sierra | 1000 Lafayette Blvd Suite 1100 Suite 1100 | +12033642441 |
| Farmers Insurance – Daiana Jordao | 3606 Main St | +12036164576 |
| Merit Insurance: Lavine David | 1000 Lafayette Cir # 404 | +12033675328 |
| Max Health & Life Partners | 1330 Madison Ave | +14073013940 |
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Best Policies In Hartford
Hartford, the capital city of Connecticut, is a treasure trove of American history, art, and culture. Located at the heart of the state, Hartford is renowned for its stunning architecture, including the majestic State Capitol and Mark Twain’s enchanting home. This vibrant city offers a rich blend of historical charm and modern innovation, hosting a plethora of museums, parks, and theaters. Hartford is also a hub for businesses, particularly known for its significant contributions to the insurance industry, rightfully earning the moniker “The Insurance Capital of the World.” With its lively arts scene, bustling marketplaces, and lush green spaces like Bushnell Park, Hartford provides residents and visitors alike a unique blend of urban energy and scenic beauty.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Walter Cloud , Jr at Comparion Insurance Agency | 95 Glastonbury Blvd | +12033033672 |
| Merit Insurance Services | 639 Prospect Ave | +18602333626 |
| MG Insurance Services Group Co | 175 Main St | +18608197490 |
| XL Professional Insurance | 100 Constitution Plaza #17 | +18602461863 |
| The Hartford | 1 Hartford Plaza | +18605475000 |
| 72 Main Insurance | 72 Main St | +18605249595 |
| Integro Insurance Brokers | 1034 Farmington Ave | +18609352821 |
| Douglas M. Gordon | 65 LaSalle Rd | +18603134814 |
| Risley-IAA Insurance company | 154 Shield St | +18609972557 |
| Lorraine Smith Insurance | 430 New Park Ave Suite 102 | +18607885544 |
| Bolton Financial, LLC – New York Life Agent | 360 Bloomfield Ave #402 | +18602981011 |
Best Life Cover In Waterbury
Waterbury, nestled in the heart of Connecticut, is a city rich in history and culture. Known as “The Brass City” due to its prominent role in the brass industry during the 19th and early 20th centuries, Waterbury today is a vibrant community that boasts a variety of attractions and activities. From the stunning architecture of the Basilica of the Immaculate Conception to the lush landscapes of Fulton Park, Waterbury offers a blend of historical sites and natural beauty. The city’s diverse culinary scene, thriving arts, and cultural festivals reflect its dynamic community. Waterbury stands out as a destination that honors its past while actively shaping a lively and inclusive future.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| County Line Insurance Advisors | 2160 Straits Turnpike | +18606317470 |
| Joseph Finke at Comparion Insurance Agency | 751 Straits Turnpike | +12038050238 |
| Deborah Brown at Comparion Insurance Agency | 751 Straits Turnpike | +12038050235 |
| All Risk Insurance Agency, LLC | 2030 Straits Turnpike #4 | +12034080050 |
| Dave Luft Insurance Agency | 1145 N Colony Rd Ste 3 | +14752359079 |
| Bravo Insurance Group | 39 Meriden Rd | +12035185845 |
| Muni Insurance, Inc. | 770 Highland Ave | +12035273669 |
| Security First Insurance Group | 255 Bank St | +12035745200 |
| Blasius Personal Insurance | 500 Captain Neville Dr | +12035276002 |
| B&A Benefit Solutions | 45 Pilgrim Ave | +12035656419 |
| Di Franceso Insurancy Agency | 1115 W Main St | +12037568176 |
| American Financial Solutions llc: Insurance Agency | 48 Meriden Rd | +12037064015 |
| Pun Insurance | 256A Main St S | +12035105430 |
| waterbury insurance and benefits services inc | 225 W Washington St | +13128370020 |
Best Life Insurance In Stamford
Stamford, nestled along Connecticut’s Gold Coast, merges the charm of New England with the dynamic pulse of a bustling city. As Fairfield County’s vibrant business hub, it’s known for its diverse economy, with strong financial services, telecommunications, and media sectors. Stamford’s downtown skyline, dotted with sleek, modern high-rises, reflects its economic vitality. This city is not just about work; it’s also about play. The Stamford Center for the Arts, numerous parks, and a range of restaurants catering to all tastes offer plenty of cultural and recreational opportunities. Stamford’s proximity to New York City, combined with its own rich array of amenities, makes it a unique place to live, work, and explore. Whether you’re drawn by its thriving job market or its waterfront beauty, Stamford represents a harmonious blend of urban energy and suburban tranquility.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| John M. Glover Insurance Agency | 99 Prospect St | +18606007679 |
| Insurance Advisors LLC | 1200 High Ridge Rd # 211 | +12033294490 |
| FBO Strategies LLC | 1177 High Ridge Rd Suite #139 | +12035649984 |
| Lenox Agency LLC | 110 Lenox Ave | +12035367206 |
| Troy Insurance Inc. | 29 Hoyt St #5A | +12033243143 |
| Ronald Molles | 1266 E Main St | +12033481000 |
| Gedeon Agency & Multiple Services | 832 Bedford St | +12036423660 |
| The Hartford | 3001 Summer St | +18605475000 |
| Greenberg Insurance Financial | 201 Commons Park S | +19178806546 |
| Soribel Holguin – State Farm Insurance Agent | 916 Hope St | +12039141366 |
| Christopher Elias, Bankers Life Agent | 70 Seaview Ave | +14752057064 |
| Gail Nixon, Bankers Life Agent | 70 Seaview Ave Ste 204 | +19148447076 |
| Regina Boaten, Bankers Life Agent | 70 Seaview Ave | +14752057041 |
You Won't Find A Lower Rate
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Top Life Insurance Companies In Connecticut
For the residents of the great state of Connecticut, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
“Immediate Solution” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 0 – 85 |
| Coverage | $1,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Very low prices
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Underwriting has become stricter (e.g., no insulin)
- Coverage limited to $25,000 for older applicants
Mutual of Omaha
“Living Promise” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 45 – 85 |
| Coverage | $2,000 – $50,000 |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
“Protection Series” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Ages | 45 – 89 |
| Coverage | $2,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
