New Hampshire’s life insurance laws are governed by Title 37 of the New Hampshire Revised Statutes.
- 10-day free look period (NH Code Admin. R. Ins 401.05)
- 31-day grace period for all payments following the first one (NH 415:18)
- Your insurance company is required to pay the amount to the beneficiary within 30 days after the provider receives proof of death, and they must pay accrued interest on the proceeds for any late settlements (NH 408:10-a)
- Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash surrender (source)
Keep in mind that life insurance laws are very similar from state to state (for example, New Jersey’s life insurance laws and New Mexico’s life insurance laws are nearly identical to those of New Hampshire).
How Much Is A $10,000 Whole Life Policy In New Hampshire?
The table below shows the rates by age of $10,000 of whole life insurance in New Hampshire.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $15.10 | $17.25 | $13.77 | $16.00 |
| 25 | $16.47 | $18.29 | $14.69 | $17.28 |
| 30 | $17.52 | $20.21 | $15.92 | $19.33 |
| 35 | $18.46 | $22.50 | $17.37 | $20.65 |
| 40 | $21.28 | $25.49 | $19.37 | $24.05 |
| 45 | $23.89 | $29.26 | $22.95 | $27.02 |
| 50 | $27.20 | $33.45 | $24.49 | $31.93 |
| 55 | $32.18 | $39.62 | $28.23 | $36.58 |
| 60 | $39.32 | $47.60 | $32.90 | $42.20 |
| 65 | $48.45 | $57.77 | $41.24 | $50.26 |
| 70 | $60.39 | $70.99 | $53.01 | $60.61 |
| 75 | $97.32 | $133.21 | $71.25 | $94.73 |
| 80 | $134.43 | $182.28 | $97.57 | $135.17 |
| 85 | $188.44 | $258.18 | $132.26 | $193.24 |
You Won't Find A Lower Rate
Choose kindness.
You never know what battles people may be fighting.
Best Life Assurance In Concord
Concord, nestled in the heart of California, presents a harmonious blend of modern urbanity and preserved natural beauty. This vibrant city, celebrated for its rich historical legacy stemming from its pivotal role in the early development of the Bay Area, offers residents and visitors alike a unique blend of suburban peace and metropolitan convenience. From the lush, sprawling parks that beckon outdoor enthusiasts, to its bustling downtown area teeming with exquisite dining options, eclectic shopping, and a thriving arts scene, Concord is a dynamic community where history and innovation intersect. The city’s commitment to fostering a welcoming and inclusive environment makes it a cherished home for families, professionals, and creatives. Whether you’re exploring its historical sites, attending one of its many cultural festivals, or simply enjoying a quiet afternoon in one of its many green spaces, Concord is a city that invites you to discover its charm at every corner.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Ellis Hatch, Bankers Life Agent | 6 Loudon Rd Ste 302 | +16032245384 |
| Benjamin Bonneville, Bankers Life Agent | 6 Loudon Rd Ste 302 | +16032245384 |
| Gage Dumas, Bankers Life Agent | 6 Loudon Rd Ste 302 | +16032245384 |
| S Audet Independent Insurance | 6 Garvins Falls Rd | +16037152975 |
| Rowley Agency Inc: Hughes John | +16032242562 | |
| Inland Underwriters Insurance | 85 Manchester St | +16032280369 |
| Rowley Agency Inc: Savage Craig | 139 Loudon Rd | +16032242562 |
| Blossom Insurance | 58 South St | +16032243000 |
| John Vorel, Bankers Life Agent | 6 Loudon Rd Ste 302 | +16032245384 |
| Comparion Insurance Agency | 70 Commercial St Suite 301 | +16032253524 |
| Sean Kelly at Comparion Insurance Agency | 70 Commercial St Suite 301 | +16033695226 |
Best Coverage In Dover
Dover, situated in the southeastern corner of England, stands as a historic gateway to the country, renowned for its iconic White Cliffs and deep-rooted maritime heritage. This coastal city serves as a major port for ferries to Calais, France, underscoring its significance in international travel and trade. Dover Castle, perched above the city, showcases centuries of British military history, offering visitors breathtaking views and a journey through time. With its stunning natural landscapes, historical sites, and strategic importance, Dover remains a fascinating destination for both history buffs and nature lovers.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Demers Agency | 798 Central Ave | +16037427440 |
| Joshua Parkhurst, Insurance Broker | 642 Central Ave | +12078317909 |
| HBL Insurance (HBL Group LLC) | 333 Central Ave Ste 306 | +16032804200 |
| Lynch Insurance Agency | 6 Dover Point Rd c | +16037497029 |
| RW Insurance | 3 Webb Pl | +16037490500 |
| Bernier Insurance | 490 Central Ave #2 | +16033352345 |
| Mark W Shafer – Aflac Insurance Agent | 17 Hemlock Frst Dr | +16037495753 |
| Gateway Retirement Solutions | 642 Central Ave | +16035092981 |
| Paul J Kageleiry Insurance Services | 750 Central Ave | +16037427008 |
| Foy and Mariotti Insurance – Dover NH I A Division of World Insurance | 54 Dover Point Rd Suite 102 | +16034105500 |
| Caleb Fleury, Independent Insurance Agent | 1 Windhaven Dr | +16039739561 |
| John Stewart at Comparion Insurance Agency | 25 Pelham Rd #101 | +16035189398 |
| Jill Tentarelli at Comparion Insurance Agency | 25 Pelham Rd #101 | +16033283038 |
You Won't Find A Lower Rate
Choose kindness.
You never know what battles people may be fighting.
Best Policies In Nashua
Nashua, nestled in Hillsborough County, New Hampshire, stands as a vibrant city that artfully combines the charm of small-town living with the conveniences of urban lifestyle. Recognized for its rich history, Nashua earned the accolade of “Best Place to Live in America” twice by Money magazine, highlighting its quality of life, economic opportunity, and exquisite natural beauty. Home to a diverse community, the city boasts a variety of cultural events, recreational facilities, and esteemed educational institutions, making it an appealing destination for families, professionals, and retirees alike. Nashua’s strategic location, near both Boston and the breathtaking landscapes of New Hampshire, offers a unique balance, making it a prime spot for those who appreciate the harmony of city living and the serenity of nature.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Financial Insurance Services Corporation | 294 Derry Rd | +16038806414 |
| Eaton & Berube Insurance Agency | 11 Concord St | +16038822766 |
| Mallard Insurance | 5 Coliseum Ave Ste 303 | +16039437257 |
| W E Gregoire Associates | 33 Main St STE 201 | +16038865502 |
| James Bacon – Aflac Insurance Agent | 71 Spit Brook Rd | +19788360077 |
| Aflac: Marie Terhune | 118 Cannongate III Rd | +16033779577 |
| Farmers Insurance – Christopher Sendelbach | 33 Main St Ste 202 | +16033254500 |
| Acu Rate Insurance Agency, LLC | 6 Manchester St | +16037657010 |
| Latvis Agency | THE STARK HOUSE, 22 Concord St # 1 | +16038829761 |
| Mari-Nova Insurance | 431 Amherst St | +16035218465 |
| Guard Insurance Group | 547 Amherst St # 205 | +16035984448 |
| Allard Insurance Agency | The Glass Tower, 20 Trafalgar Square #510 | +16038898001 |
| Michael Lopez at Comparion Insurance Agency | 25 Pelham Rd #101 | +16033283039 |
Best Life Cover In Manchester
Manchester, a vibrant city in the heart of the United Kingdom, is renowned for its rich industrial heritage and its significant influence on music, sports, and arts. This dynamic city, once at the forefront of the 19th-century industrial revolution, boasts an impressive array of cultural landmarks, including the historic Manchester Cathedral, the modernist marvel of the Lowry Centre, and the globally acclaimed Museum of Science and Industry. Home to the legendary Manchester United and Manchester City football clubs, the city pulses with an unyielding sporting spirit. Its thriving music scene, which has birthed world-famous bands like The Smiths and Oasis, keeps Manchester firmly on the map as a cultural powerhouse. With a diverse population, cutting-edge innovation, and a lively nightlife scene, Manchester offers a blend of historical charm and contemporary vitality, making it an irresistible destination for travelers and a beloved home for its residents.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Cross Insurance | 57 Market St | +16036694300 |
| AS Insurance Agency | 510 Chestnut St 3rd Floor, Suite 11 | +16036278000 |
| Fortified Insurance Agency | 911 Candia Rd | +16036443700 |
| Allen Associates of Manchester | 1340 Bodwell Rd | +16036252266 |
| Counterpoint Financial Services | 1000 Elm St Suite 35 | +16037461700 |
| Dick Lombardi – State Farm Insurance Agent | 1837 Elm St | +16036234675 |
| Northwestern Mutual Life Insurance | 835 Hanover St | +16036692272 |
| Lowell Hart: Allstate Insurance | 575 S Willow St #205 | +16036061149 |
| Globe Life American Income Division: Moore Sodan Organization | 150 Dow St Suite 440 | +15088642610 |
| The Hartford | 63 High St Ste 1 | +18605475000 |
| New York Life Insurance | 1155 Elm St 8th floor | +16036695957 |
| Northwestern Mutual | 1779 Elm St | +16036688862 |
| Sullivan & Sullivan Insurance | 1650 Elm St Suite 201 | +16036690032 |
Best Life Insurance In Rochester
Rochester, nestled in New York’s picturesque Finger Lakes region, boasts a unique blend of historical charm and modern innovation. Known for its rich industrial past, the city is the birthplace of iconic corporations like Eastman Kodak and Xerox, fostering a legacy of creativity and entrepreneurship. Rochester’s vibrant arts scene, plethora of higher education institutions, including the renowned University of Rochester and Rochester Institute of Technology, and its scenic landscapes, including the Genesee River’s High Falls, make it a compelling destination for residents and visitors alike. The city’s diverse culinary offerings, flourishing craft beer culture, and numerous festivals, including the famous Lilac Festival, celebrate its community spirit and rich heritage.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Bernier Insurance Inc: Bowley Pauline | 32 Wakefield St # 1268 | +16033352345 |
| Bernier Insurance Agency | 32 Wakefield St | +16033352345 |
| Bernier Insurance Agency | 32 Wakefield St # 1268 | +16033352345 |
| Keslar Insurance Agency – Rochester Office | 16 N Main St | +16036021112 |
| Branyen Insurance Agency | 12 Milton Rd | +16039948383 |
| Straight Forward Life & Annuity | 60 Rochester Hill Rd STE 1 | +16039482800 |
| Jenness & Jenness Agency | 663 Pickering Rd | +16033323030 |
| Caleb Fleury, Independent Insurance Agent | 1 Windhaven Dr | +16039739561 |
| Peggy Lynch – State Farm Insurance Agent | 147 Wakefield St | +16033321191 |
| United Insurance | 120 Washington St #201 | +16033323700 |
| Great Insurance New Hampshire | 95 S Main St | +16036977483 |
| Lachapelle & Higgins Insurance Inc: Higgins Timothy | +16033321983 | |
| Hackett Richard | 73 Wakefield St | +16033326518 |
You Won't Find A Lower Rate
Choose kindness.
You never know what battles people may be fighting.
Top Life Insurance Companies In New Hampshire
For the residents of the great state of New Hampshire, 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
