Delaware’s life insurance laws are governed by Title 18 of the Delaware Code.
- 10-day free look period (18 DE ADC 1203)
- 30-day grace period (18 DE ADC 2906)
- Insurance companies must pay out death benefits within 30 days and add interest starting from the time the claim is filed (18 DE ADC 2914)
- Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash surrender value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, District of Columbia’s life insurance laws and Florida’s life insurance laws are nearly identical to those of Delaware).
How Much Is A $10,000 Whole Life Policy In Delaware?
The table below shows the rates by age of $10,000 of whole life insurance in Delaware.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.60 | $16.57 | $14.37 | $15.55 |
| 25 | $16.28 | $18.01 | $15.11 | $17.70 |
| 30 | $16.88 | $20.21 | $16.53 | $19.43 |
| 35 | $18.86 | $22.04 | $17.96 | $20.87 |
| 40 | $21.02 | $25.37 | $19.64 | $23.63 |
| 45 | $23.59 | $29.14 | $22.68 | $27.88 |
| 50 | $27.84 | $34.28 | $24.61 | $31.90 |
| 55 | $32.73 | $39.85 | $28.07 | $36.75 |
| 60 | $39.25 | $47.23 | $33.02 | $42.75 |
| 65 | $48.43 | $57.94 | $41.22 | $50.55 |
| 70 | $60.22 | $71.14 | $52.71 | $60.31 |
| 75 | $98.08 | $133.32 | $71.39 | $94.63 |
| 80 | $135.09 | $182.53 | $98.35 | $135.72 |
| 85 | $187.67 | $258.52 | $132.10 | $192.64 |
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Best Life Assurance In Newark
Newark, New Jersey’s largest city, stands as a vibrant hub of culture, history, and economic development. Nestled at the mouth of the Passaic River, this bustling city is renowned for its significant contributions to the arts, with the New Jersey Performing Arts Center and the Newark Museum of Art among its cultural crown jewels. With a diverse and dynamic population, Newark is rich in heritage, offering an array of ethnic neighborhoods and culinary delights. It also serves as a crucial economic engine within the New York metropolitan area, hosting a major airport, port facilities, and numerous corporate headquarters. Despite facing urban challenges, Newark continues to thrive and reinvent itself, attracting residents, businesses, and visitors alike with its resilience and spirit.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Juan Moreno, Bankers Life Agent | 56 W Main St Plz, DE-273 Suite 206 | +13027317246 |
| Eliseo Fred, Bankers Life Agent | 56 W Main St Plz, DE-273 Suite 206 | +13027317246 |
| Ranji Bissessar, Bankers Life Agent | 56 W Main St Plz, DE-273 Ste 206 | +13027317246 |
| Nguyen Wu Life and Health Insurance and Financial Services | 2500 Wrangle Hill Rd # 129 | +14846198343 |
| Sorenson Insurance Ageny | 8 Bayard St | +13026350460 |
| Jeffrey R Carey – Aflac Insurance Agent | 573 Bellevue Rd | +13023698225 |
| Integrity Insurance Company: Allstate Insurance | 230 E Cleveland Ave | +13023686279 |
| Bron Todd, Bankers Life Agent | 56 W Main St 273 Ste 206 | +13027314246 |
| Liberty Mutual Insurance | 131 Continental Dr Ste 108 | +13029930500 |
| Kyle Mullin, Bankers Life Agent | 56 W Main St 273 Ste 206 | +13027314246 |
| Raymond Kelly, Bankers Life Agent and Bankers Life Securities Financial Representative | 56 W Main St 273 Ste 206 | +13027314246 |
| New York Life Insurance | 200 Continental Dr # 306 | +13023698500 |
| Franklin Cooper, Bankers Life Agent | 56 W Main St 273 Ste 206 | +13027317246 |
| Natasha Nathaniel, Bankers Life Agent | 56 W Main St 273 Ste 206 | +13027317246 |
Best Coverage In Wilmington
Wilmington is a picturesque coastal city nestled in eastern North Carolina, known for its vibrant riverfront and historic charm. This charming city sits at the confluence of the Cape Fear River and the Atlantic Ocean, making it a hub for water-related activities and beach life. Wilmington boasts a beautifully restored historic district that features a variety of stunning antebellum architecture, brick-lined streets, and a lively arts scene. It’s home to the renowned Battleship North Carolina, a significant World War II landmark, and the beautiful gardens of Airlie. The city also serves as a gateway to several nearby beaches, including Wrightsville Beach, known for its crystal-clear waters and ample outdoor activities. With a mix of southern hospitality, rich history, and cultural events, Wilmington attracts visitors and residents alike, offering a unique blend of traditional charm and modern living.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Williams Insurance Agency Inc. | 4543 Mermaid, Stoney Batter Rd B | +13022272501 |
| Lennox Insurance Group | 18 W McCaulley Ct | +13024018328 |
| Prominent Insurance Services | 1201 Orange St #700 | +13023513368 |
| Ism Insurance Inc: Hendricks Barbara | 1316 N Union St | +13026564944 |
| Crown Global Insurance Group, LLC | 1000 N West St #1200 | +13023579349 |
| AA1 Life Insurance | 24a Trolley Square Unit #4073 | +13022041102 |
| Foundation Insurance Agency | 5301 Limestone Rd | +13026855184 |
| Northwestern Mutual Life Insurance | 4 Rockland Ct # 201 | +13025738900 |
| The Hartford | 1000 N West St Ste 1213 | +18605475000 |
| Muncie Insurance & Financial Services | 3301 Lancaster Pike #5B | +13025035804 |
| Steven Coleman | Delle Donne Corporate Center, 1011 Centre Rd #400 | +13022523466 |
You Won't Find A Lower Rate
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Best Policies In Smyrna
Smyrna, nestled in the heart of [State/Country], is a city that captivates both history buffs and those seeking the vibrancy of modern life. Known for its lush green spaces, including the sprawling [Name of a Park], the city offers a peaceful retreat from the hustle and bustle of larger urban centers. Historical landmarks dot the landscape, telling the tales of Smyrna’s rich past, while contemporary amenities, from chic boutiques to gourmet dining, cater to the tastes of today’s residents and visitors alike. With its friendly community, excellent schools, and a calendar full of cultural and recreational events, Smyrna is more than just a city—it’s a place where history and modernity live side by side, inviting everyone to explore, engage, and call it home.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Nguyen Wu Life and Health Insurance and Financial Services | 2500 Wrangle Hill Rd # 129 | +14846198343 |
| Christian Mohammed, Bankers Life Agent | 99 Wolf Creek Blvd Ste 1B | +13027362600 |
| Records/Gebhart Agency, Inc. | 2 N, Market St | +13026539211 |
| Impact Insurance Agency | 224 N Dupont Blvd | +13023637785 |
| Ford Insurance Group | 2499 S Dupont Blvd Suite J | +13022236707 |
Best Life Cover In Dover
Dover, a historic city nestled along the banks of the River Dour, serves as the administrative heart of Kent, England. Renowned for its iconic White Cliffs, Dover stands as a symbol of Britain’s resilience and enduring spirit. The city’s strategic location on the closest point of the English Channel to mainland Europe has etched its name in history, especially as a crucial departure point during World War II. Dover’s rich past is reflected in its well-preserved medieval castle, ancient buildings, and Roman sites that draw history enthusiasts from across the globe. Today, Dover is a vibrant port city, blending its historical charm with modern amenities, ferry services, and bustling marina, making it an essential stop for visitors exploring the southeast coast of England.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Tolliver Agency | 1147 S Governors Ave | +13022339011 |
| Select Financial Group | +13024247777 | |
| Transamerica Agency Network | 800 N State St Ste 401 | +13027448157 |
| David Sack – Aflac Insurance Agent | 501 Fairnest Ct | +13022421550 |
| Nancy Mb Feldman – Aflac Insurance Agent | 134 Midessa Crossing | +13027344364 |
| Jeffrey Drury, Bankers Life Agent and Bankers Life Securities Financial Representative | 99 Wolf Creek Blvd Ste 1B | +13027362600 |
| Christian Mohammed, Bankers Life Agent | 99 Wolf Creek Blvd Ste 1B | +13027362600 |
| Kristian Cilento, Bankers Life Agent | 99 Wolf Creek Blvd Ste 1B | +13027362600 |
Best Life Insurance In Middletown
Middletown, a quintessential American city, seamlessly blends its rich historical tapestry with modern-day vibrancy. Known for its diverse cultural scene, beautiful parks, and tight-knit community, Middletown offers a unique blend of urban convenience and suburban tranquility. Its revitalized downtown area is a hub of activity, featuring local shops, restaurants, and arts venues, making it a perfect destination for both residents and visitors seeking a blend of entertainment and relaxation. With its excellent schools, commitment to sustainability, and an array of recreational opportunities, Middletown stands out as a city that cherishes its heritage while embracing the future.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Nationwide Insurance: Armor Insurance Brokers | 478 Middletown Warwick Rd | +13024495556 |
| Blue Hen Insurance | 1050 Industrial Dr Suite 240 | +13026962242 |
| Crow Insurance Agency, Inc. | 106 S Broad St | +18772043107 |
| Stefanie Wooten – State Farm Insurance Agent | 14 E Main St | +13023788885 |
| PeopleFirst Insurance | 5236 Summit Bridge Rd | +13024494777 |
You Won't Find A Lower Rate
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Top Life Insurance Companies In Delaware
For the residents of the great state of Delaware, 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
