Best Life Insurance In North Carolina
North Carolina’s life insurance laws are governed by Chapter 58 of the North Carolina General Statutes.
- 10-day free look period (NC Gen. Stat. 58-60-15)
- 31-day grace period on all payments but the first one (NC 58-58-22)
- If the claim is not settled within 30 days after all documents have been submitted, the account begins to accrue interest (NC 58-58-110)
- Guarantees up to $300,000 for all benefits per insured individual (source)
Keep in mind that life insurance laws are very similar from state to state (for example, North Dakota’s life insurance laws and Ohio’s life insurance laws are nearly identical to those of North Carolina).
How Much Is A $10,000 Whole Life Policy In North Carolina?
The table below shows the rates by age of $10,000 of whole life insurance in North Carolina.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $15.17 | $16.90 | $14.53 | $15.96 |
| 25 | $15.55 | $18.44 | $14.94 | $17.07 |
| 30 | $17.02 | $19.98 | $16.05 | $19.26 |
| 35 | $19.22 | $22.52 | $17.82 | $21.32 |
| 40 | $20.83 | $24.61 | $19.37 | $23.19 |
| 45 | $24.17 | $29.16 | $22.15 | $27.94 |
| 50 | $27.36 | $33.96 | $25.06 | $31.99 |
| 55 | $32.33 | $39.95 | $28.49 | $36.87 |
| 60 | $38.55 | $47.10 | $32.74 | $42.41 |
| 65 | $48.21 | $58.51 | $41.54 | $50.34 |
| 70 | $59.97 | $71.55 | $53.16 | $59.99 |
| 75 | $98.11 | $133.14 | $71.68 | $95.39 |
| 80 | $134.68 | $181.84 | $97.71 | $135.88 |
| 85 | $187.96 | $257.69 | $132.36 | $192.73 |
See how much you could save
Compare rates from 19 carriers in 60 seconds
Best Life Assurance In Charlotte
Charlotte, North Carolina’s largest city, stands out as a vibrant metropolis blending Southern charm with modern urban life. Known as the Queen City, it offers a rich historical tapestry alongside booming finance, technology, and motorsports industries. The city’s landscape is marked by shimmering skyscrapers, lush parks, and a diverse culinary scene. Home to the NFL’s Panthers and the NBA’s Hornets, Charlotte is a hub of sports enthusiasm. Cultural enthusiasts will find plenty to explore, from the dynamic arts scene at the Blumenthal Performing Arts Center to the interactive museums like the Discovery Place. With its welcoming aura, thriving job market, and a robust educational environment, Charlotte continues to draw people from all walks of life, making it a pulsating heart of the Southeast.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| FAMILIES FIRST LIFE | 4900 Carya Pond Ln | +17042589508 |
| Tameaka Brown An Agent at New York Life Insurance Company | 6100 Fairview Rd | +17048772235 |
| American Insurance Community Group | 10130 Perimeter Pkwy Suite 200 | +18883161315 |
| Laurie Insurance Group – Office of Luis Guadalupe | 3127 Eastway Dr Ste 113 | +17045368782 |
| Global First Insurance Agency – Charlotte | 301 S McDowell St suite 125 1094 | +17042083616 |
| Darryl Johnson Agency | 715 N Church St | +17043737043 |
| New York Life Insurance Company Anthony Gladney | 6100 Fairview Rd #400 | +17043718500 |
| John Gregory, Bankers Life Agent | 10706 Sikes Pl Ste 300 | +17045419592 |
Best Coverage In Winston- Salem
Winston-Salem, nestled in the heart of North Carolina, seamlessly blends a rich historical tapestry with a vibrant, innovative present. Known as the “City of Arts and Innovation,” this dynamic city is celebrated for its contributions to the tobacco industry and Moravian culture, visible in its well-preserved historical districts and traditions. Today, Winston-Salem is also a hotbed for biomedical research and technology, offering a bustling downtown filled with art galleries, theaters, and eclectic dining options. With its scenic parks, educational institutions, and community-focused festivals, Winston-Salem provides a unique mix of cultural heritage and modern living, making it a captivating destination for residents and visitors alike.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Ethos Life Insurance | 6255 Towncenter Dr Suite #807 | +13364971263 |
| Jackson Phipps Insurance Agency, LLC. | 500 Lynhaven Ct | +13368167119 |
| Veatrice Johnson Insurance Needs | 3890 Old Vineyard Rd | +13365778321 |
| Hairston Insurance | 4680 Brownsboro Rd suite d 202 | +17432198368 |
| The Sentinel Insurance Agency | 1314 Ashley Square | +13367781448 |
| Neil Pearson, Bankers Life Agent | 450 W Hanes Mill Rd Ste 206 | +13365827200 |
| Prudential | Evan Hunter | Life Insurance & Financial Services | 301 N Main St #2415 | +13367751261 |
| Melody Carr, Bankers Life Agent | 450 W Hanes Mill Rd Ste 206 | +13365827200 |
| Jacob Petty, Bankers Life Agent | 450 W Hanes Mill Rd Ste 206 | +13365827200 |
See how much you could save
Compare rates from 19 carriers in 60 seconds
Best Policies In Durham
Durham, a charming city located in the heart of North Carolina, is renowned for its rich history, prestigious academic institutions, and vibrant cultural scene. Known affectionately as the “Bull City” for its historic tobacco industry, Durham is also home to Duke University, a cornerstone of education and research. The city intertwines its industrial past with modern innovation, hosting thriving tech startups alongside historic sites. Durham’s dynamic arts scene, diverse culinary offerings, and lush parks provide a multitude of experiences for residents and visitors alike. Whether you’re exploring the American Tobacco Historic District, catching a performance at the Durham Performing Arts Center, or enjoying the natural beauty of Eno River State Park, Durham offers a unique blend of tradition and innovation at every turn.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Life Protection Services | 2608 Erwin Rd | +19198081171 |
| Monumental Life Kathy Manning | 2 Bonham Ct | +19195963860 |
| Insurance House | 1007 Slater Rd # 210 | +19193839439 |
| First Pioneer Insurance Agency / Joshua E. Matthews Insurance Agency, Inc. | 2144 Page Rd Suite 106 | +19195986800 |
| Globe Life- American Income Division- Hawthorne Partners Agency | 4200 US-70 | +17048311062 |
| Ava Brownlee: Allstate Insurance | 14 Consultant Pl STE 150 | +19194906667 |
| The Sorgi Insurance Agency | 16 Consultant Pl Suite 102 | +19196824814 |
| Ava Brownlee: Allstate Insurance | 4810 Hope Valley Rd Ste 114 | +19194937822 |
Best Life Cover In Greensboro
Nestled in the heart of North Carolina, Greensboro is a vibrant city that seamlessly blends modern urban culture with rich historical heritage. Known for its pivotal role in the civil rights movement, particularly at the Greensboro sit-ins, the city today is a bustling hub of arts, education, and innovation. Home to numerous museums, galleries, and theaters, Greensboro provides a plethora of cultural experiences. The city also boasts lush parks and gardens, offering residents and visitors alike a serene escape into nature. With a thriving economy and a warm, welcoming community, Greensboro stands as a testament to Southern charm and diversity, making it an ideal destination for travelers, families, and professionals.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Life Protection Services | 2618 Battleground Ave | +13362524120 |
| Jessica Fackler, Bankers Life Agent | 400 Bellemeade St Ste 501 | +13368529061 |
| Scott J Rumple Insurance | 3300 Battleground Ave # 220 | +13362863877 |
| Ava Covington, Bankers Life Agent | 400 Bellemeade St Ste 501 | +13368529061 |
| Davidson Insurance & Financial | 620 Green Valley Rd #204 | +13362992986 |
| Superior Insurance | 5547 W Market St | +13367909661 |
| Relation Insurance Services | 4900 Koger Blvd #450 | +13362176902 |
| The Andrews Agency | 204 Muirs Chapel Rd #105 | +13368977500 |
| Bankers Life | 400 Bellemeade St Ste 501 | +13368529061 |
| Jacob Brabham, Bankers Life Agent | 4900 Koger Blvd Ste 265 | +13368529061 |
| William Wood, Bankers Life Agent | 400 Bellemeade St #501 | +13368529061 |
| Globe Life Liberty National Division: Lomenick Agency | 4160 Piedmont Pkwy Suite 111 | +19199944697 |
Best Life Insurance In Raleigh
Raleigh, the vibrant capital of North Carolina, is a flourishing city that masterfully blends the charm of Southern hospitality with a modern, innovative spirit. Known as the “City of Oaks” for its many oak trees, Raleigh boasts a picturesque landscape that provides a scenic backdrop to its bustling metropolitan life. This city is a hub of academic excellence, home to esteemed institutions like North Carolina State University, which contribute to its reputation as a center for research and technology. Raleigh’s rich cultural tapestry is showcased through its array of museums, including the North Carolina Museum of Natural Sciences and the North Carolina Museum of Art, offering engaging experiences for all ages. With a dynamic culinary scene, extensive green spaces, and an active arts community, Raleigh stands as a symbol of growth and diversity, making it an increasingly popular destination for both residents and visitors alike.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Dan Thompson Agency | 3130 Fairhill Dr Suite 106 | +19197816564 |
| Surevest Insurance Group | 1033 Oberlin Rd #210 | +19198329420 |
| Latorre Insurance | 4020 Wake Forest Rd Suite 111 | +19198451650 |
| New York Life Raleigh | 4140 Parklake Ave Ste 450 | +19197813100 |
| Pillar Insurance Group | 6601 Six Forks Rd Ste. 350 | +19193019786 |
| G. Suggs Insurance Agency, Inc. | 1025 Bullard Ct STE 205 | +19198758889 |
| Lamm Insurance Group | 8801 Fast Park Dr #301 | +19197472988 |
| Triangle Life and Health | 6512 Six Forks Rd Suite 503 B | +19196896565 |
| Shawn Fann | 3200 Beechleaf Ct | +19196047502 |
| Prudential | Michael Whitman | Life Insurance & Annuities | 3200 Beechleaf Ct | +19192607709 |
| Libby Woolcock at Comparion Insurance Agency | The Edge, 4109 Wake Forest Rd | +19199858727 |
| NC Life Office – Instantly Compare Life Insurance Quotes | 5701 Glenpeak Wy | +19106851007 |
See how much you could save
Compare rates from 19 carriers in 60 seconds
Top Life Insurance Companies In North Carolina
For the residents of the great state of North Carolina, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 0 – 85 years |
| Coverage Range | $1,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- 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
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 45 – 85 years |
| Coverage Range | $2,000 – $50,000 |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
| Policy Type | Whole Life |
| Available States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Age Range | 45 – 89 years |
| Coverage Range | $2,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
Rikin Shah
Rikin is the Founder & CEO of GetSure. He is a licensed life, accident & health insurance agent in all 50 states (plus D.C.) and has over 15 years of experience in the financial services industry. He has been featured in publications such as Forbes, USA Today, and U.S. News & World Report, among others. Rikin holds a B.S. in Applied Mathematics from Columbia University and an MBA from The Stanford Graduate School of Business. If you'd like to speak with Rikin to discuss your life insurance options or questions, don't hesitate to email him at hello [at] getsure.org.
