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.

AgeMaleMale (Smoker)FemaleFemale (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

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You never know what battles people may be fighting.

Best Life Assurance In #VALUE!

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.

#VALUE!

Best Coverage In

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.

Choose kindness.

You never know what battles people may be fighting.

Best Policies In

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.

Best Life Cover In

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.

Best Life Insurance In

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.

Choose kindness.

You never know what battles people may be fighting.

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

... “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
What’s My Rate?
Approved Conditions
  • ADHD
  • Addisons Disease
  • Anxiety Disorder
  • Artery Disease
  • Arthritis (Psoriatic)
  • Arthritis (Rheumatoid)
  • Asthma (Chronic)
  • Asthma (Mild)
  • Atrial Fibrillation
  • Autism (High Functioning)
  • Autism (Severe)
  • Barlows Syndrome
  • Bladder Pain (Chronic)
  • Blood Clot
  • Blood Disorder
  • Bone Marrow Transplant
  • Brain Tumor (Removed; Benign)
  • Bronchitis (Acute)
  • COVID-19
  • CPAP Use (w/o Oxygen)
  • Cancer (Skin)
  • Cardioversion Treatment
  • Cerebral Palsy
  • Chronic Cough
  • Chronic Pancreatitis
  • Circulatory Disease
  • Claudication
  • Clogged Arteries
  • Coronary Artery Disease
  • Crohns Disease
  • Declined for Life Insurance
  • Depression
  • Diabetes (No Insulin)
  • Diabetes (With Insulin)
  • Disability
  • Encephalopathy
  • Enlarged Heart
  • Enlarged Prostate
  • Epilepsy
  • Felony
  • Fibromyalgia
  • Glaucoma
  • Gout
  • Guillain-Barre Syndrome
  • Hashimotos Disease
  • Heart Arrhythmia
  • Heart Blockage
  • Heart Catheterization
  • Heart Disease
  • Heart Murmur (Functional)
  • Heart Murmur (Innocent)
  • Hemophilia
  • High Blood Pressure
  • High Cholesterol
  • Irregular Heartbeat
  • Irritable Bowel Syn.
  • Kidney Stones
  • Low Blood Pressure
  • Lupus (Non-Systemic)
  • Lyme Disease
  • Malaria
  • Memory Loss
  • Mitral Valve Prolapse
  • Multiple Sclerosis (MS)
  • Muscular Dystrophy
  • Myasthenia Gravis
  • Narcolepsy
  • Neuropathy (Non-Diabetic)
  • Osteoarthritis
  • Osteoporosis
  • PAD
  • PTSD
  • PVD
  • Pagets Disease of the Bone
  • Pain (Chronic)
  • Pancreatic Insufficiency
  • Panic Disorder
  • Parole / Probation
  • Pernicious Anemia
  • Pneumonia
  • Pulmonary Embolism
  • Pulmonary Sarcoidosis
  • Respiratory Failure
  • Restless Leg Syndrome
  • Scleroderma
  • Seizures
  • Sepsis
  • Shingles
  • Sjogrens Syndrome
  • Sleep Apnea (No Oxygen)
  • Spina Bifida
  • Spinal Stenosis
  • Stem Cell Transplant
  • Suicide Attempt
  • Thrombocythemia
  • Thrombocytopenia
  • Thrombosis (Blood Clots)
  • Thyroid Disorders
  • Tourettes
  • Ulcer
  • Ulcerative Colitis
  • Unexplained Weight Loss (> 10 lbs)
  • Vertigo
  • Wegeners Granulomatosis
  • Wet Macular Degeneration
  • Wolff-Park. Syndrome
Declined Conditions
  • ADL Assistance Required
  • Alcohol / Drug Abuse
  • Aneurysm (Corrected)
  • Aneurysm (Not Corrected)
  • Angina
  • Angioplasty
  • Assisted Living Facility
  • Awaiting Surgery
  • Awaiting Test Results
  • Bedridden
  • Brain Tumor (Not Removed; Benign)
  • CHF
  • CPAP Use (w/Oxygen)
  • Cancer (Not Skin)
  • Cardiac Ablation
  • Cardiomyopathy
  • Circulatory Surgery
  • Coronary Artery Bypass
  • DUI / DWI
  • Defibrillator
  • Diabetic Coma
  • Gastric Bypass
  • Heart Attack
  • Heart Surgery
  • Heart Valve Surgery
  • Hemorrhagic Stroke
  • Hodgkins Lymphoma
  • Home Health Care
  • Hospitalization
  • Huntingtons Disease
  • Hypertrophic Cardiomyopathy
  • Insulin Shock
  • Intracerebral Hemorrhage
  • Lap Band Surgery
  • Leukemia
  • Liver Disease
  • Liver Disorder
  • Melanoma
  • Multiple Myeloma
  • Myocarditis
  • Nephropathy
  • Neuropathy
  • Non-Hodgkins Lymphoma
  • Nursing Home
  • Organ Transplant (Completed)
  • Oxygen (Non-Continuous)
  • Oxygen (Sleep Apnea Use Only)
  • Oxygen Use (Continuous)
  • Pacemaker
  • Paralysis
  • Paraplegia
  • Pending Hospitalization
  • Pending Surgery
  • Quadriplegia
  • Retinopathy
  • Sleep Apnea (w/Oxygen)
  • Stent Placement
  • Stroke / TIA
  • Watchman Implant
  • Wheelchair (Confined)
  • Wheelchair (Not Confined)

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
What’s My Rate?
Approved Conditions
  • ADHD
  • Addisons Disease
  • Anxiety Disorder
  • Artery Disease
  • Arthritis (Psoriatic)
  • Arthritis (Rheumatoid)
  • Asthma (Chronic)
  • Asthma (Mild)
  • Atrial Fibrillation
  • Autism (High Functioning)
  • Autism (Severe)
  • Barlows Syndrome
  • Bladder Pain (Chronic)
  • Blood Clot
  • Blood Disorder
  • Bone Marrow Transplant
  • Brain Tumor (Removed; Benign)
  • Bronchitis (Acute)
  • COVID-19
  • CPAP Use (w/o Oxygen)
  • Cancer (Skin)
  • Cardioversion Treatment
  • Cerebral Palsy
  • Chronic Cough
  • Chronic Pancreatitis
  • Circulatory Disease
  • Claudication
  • Clogged Arteries
  • Coronary Artery Disease
  • Crohns Disease
  • Declined for Life Insurance
  • Depression
  • Diabetes (No Insulin)
  • Diabetes (With Insulin)
  • Disability
  • Encephalopathy
  • Enlarged Heart
  • Enlarged Prostate
  • Epilepsy
  • Felony
  • Fibromyalgia
  • Glaucoma
  • Gout
  • Guillain-Barre Syndrome
  • Hashimotos Disease
  • Heart Arrhythmia
  • Heart Blockage
  • Heart Catheterization
  • Heart Disease
  • Heart Murmur (Functional)
  • Heart Murmur (Innocent)
  • Hemophilia
  • High Blood Pressure
  • High Cholesterol
  • Irregular Heartbeat
  • Irritable Bowel Syn.
  • Kidney Stones
  • Low Blood Pressure
  • Lupus (Non-Systemic)
  • Lyme Disease
  • Malaria
  • Memory Loss
  • Mitral Valve Prolapse
  • Multiple Sclerosis (MS)
  • Muscular Dystrophy
  • Myasthenia Gravis
  • Narcolepsy
  • Neuropathy (Non-Diabetic)
  • Osteoarthritis
  • Osteoporosis
  • PAD
  • PTSD
  • PVD
  • Pagets Disease of the Bone
  • Pain (Chronic)
  • Pancreatic Insufficiency
  • Panic Disorder
  • Parole / Probation
  • Pernicious Anemia
  • Pneumonia
  • Pulmonary Embolism
  • Pulmonary Sarcoidosis
  • Respiratory Failure
  • Restless Leg Syndrome
  • Scleroderma
  • Seizures
  • Sepsis
  • Shingles
  • Sjogrens Syndrome
  • Sleep Apnea (No Oxygen)
  • Spina Bifida
  • Spinal Stenosis
  • Stem Cell Transplant
  • Suicide Attempt
  • Thrombocythemia
  • Thrombocytopenia
  • Thrombosis (Blood Clots)
  • Thyroid Disorders
  • Tourettes
  • Ulcer
  • Ulcerative Colitis
  • Unexplained Weight Loss (> 10 lbs)
  • Vertigo
  • Wegeners Granulomatosis
  • Wet Macular Degeneration
  • Wolff-Park. Syndrome
Declined Conditions
  • ADL Assistance Required
  • Alcohol / Drug Abuse
  • Aneurysm (Corrected)
  • Aneurysm (Not Corrected)
  • Angina
  • Angioplasty
  • Assisted Living Facility
  • Awaiting Surgery
  • Awaiting Test Results
  • Bedridden
  • Brain Tumor (Not Removed; Benign)
  • CHF
  • CPAP Use (w/Oxygen)
  • Cancer (Not Skin)
  • Cardiac Ablation
  • Cardiomyopathy
  • Circulatory Surgery
  • Coronary Artery Bypass
  • DUI / DWI
  • Defibrillator
  • Diabetic Coma
  • Gastric Bypass
  • Heart Attack
  • Heart Surgery
  • Heart Valve Surgery
  • Hemorrhagic Stroke
  • Hodgkins Lymphoma
  • Home Health Care
  • Hospitalization
  • Huntingtons Disease
  • Hypertrophic Cardiomyopathy
  • Insulin Shock
  • Intracerebral Hemorrhage
  • Lap Band Surgery
  • Leukemia
  • Liver Disease
  • Liver Disorder
  • Melanoma
  • Multiple Myeloma
  • Myocarditis
  • Nephropathy
  • Neuropathy
  • Non-Hodgkins Lymphoma
  • Nursing Home
  • Organ Transplant (Completed)
  • Oxygen (Non-Continuous)
  • Oxygen (Sleep Apnea Use Only)
  • Oxygen Use (Continuous)
  • Pacemaker
  • Paralysis
  • Paraplegia
  • Pending Hospitalization
  • Pending Surgery
  • Quadriplegia
  • Retinopathy
  • Sleep Apnea (w/Oxygen)
  • Stent Placement
  • Stroke / TIA
  • Watchman Implant
  • Wheelchair (Confined)
  • Wheelchair (Not Confined)

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
What’s My Rate?
Approved Conditions
  • ADHD
  • Addisons Disease
  • Anxiety Disorder
  • Artery Disease
  • Arthritis (Psoriatic)
  • Arthritis (Rheumatoid)
  • Asthma (Chronic)
  • Asthma (Mild)
  • Atrial Fibrillation
  • Autism (High Functioning)
  • Autism (Severe)
  • Barlows Syndrome
  • Bladder Pain (Chronic)
  • Blood Clot
  • Blood Disorder
  • Bone Marrow Transplant
  • Brain Tumor (Removed; Benign)
  • Bronchitis (Acute)
  • COVID-19
  • CPAP Use (w/o Oxygen)
  • Cancer (Skin)
  • Cardioversion Treatment
  • Cerebral Palsy
  • Chronic Cough
  • Chronic Pancreatitis
  • Circulatory Disease
  • Claudication
  • Clogged Arteries
  • Coronary Artery Disease
  • Crohns Disease
  • Declined for Life Insurance
  • Depression
  • Diabetes (No Insulin)
  • Diabetes (With Insulin)
  • Disability
  • Encephalopathy
  • Enlarged Heart
  • Enlarged Prostate
  • Epilepsy
  • Felony
  • Fibromyalgia
  • Glaucoma
  • Gout
  • Guillain-Barre Syndrome
  • Hashimotos Disease
  • Heart Arrhythmia
  • Heart Blockage
  • Heart Catheterization
  • Heart Disease
  • Heart Murmur (Functional)
  • Heart Murmur (Innocent)
  • Hemophilia
  • High Blood Pressure
  • High Cholesterol
  • Irregular Heartbeat
  • Irritable Bowel Syn.
  • Kidney Stones
  • Low Blood Pressure
  • Lupus (Non-Systemic)
  • Lyme Disease
  • Malaria
  • Memory Loss
  • Mitral Valve Prolapse
  • Multiple Sclerosis (MS)
  • Muscular Dystrophy
  • Myasthenia Gravis
  • Narcolepsy
  • Neuropathy (Non-Diabetic)
  • Osteoarthritis
  • Osteoporosis
  • PAD
  • PTSD
  • PVD
  • Pagets Disease of the Bone
  • Pain (Chronic)
  • Pancreatic Insufficiency
  • Panic Disorder
  • Parole / Probation
  • Pernicious Anemia
  • Pneumonia
  • Pulmonary Embolism
  • Pulmonary Sarcoidosis
  • Respiratory Failure
  • Restless Leg Syndrome
  • Scleroderma
  • Seizures
  • Sepsis
  • Shingles
  • Sjogrens Syndrome
  • Sleep Apnea (No Oxygen)
  • Spina Bifida
  • Spinal Stenosis
  • Stem Cell Transplant
  • Suicide Attempt
  • Thrombocythemia
  • Thrombocytopenia
  • Thrombosis (Blood Clots)
  • Thyroid Disorders
  • Tourettes
  • Ulcer
  • Ulcerative Colitis
  • Unexplained Weight Loss (> 10 lbs)
  • Vertigo
  • Wegeners Granulomatosis
  • Wet Macular Degeneration
  • Wolff-Park. Syndrome
Declined Conditions
  • ADL Assistance Required
  • Alcohol / Drug Abuse
  • Aneurysm (Corrected)
  • Aneurysm (Not Corrected)
  • Angina
  • Angioplasty
  • Assisted Living Facility
  • Awaiting Surgery
  • Awaiting Test Results
  • Bedridden
  • Brain Tumor (Not Removed; Benign)
  • CHF
  • CPAP Use (w/Oxygen)
  • Cancer (Not Skin)
  • Cardiac Ablation
  • Cardiomyopathy
  • Circulatory Surgery
  • Coronary Artery Bypass
  • DUI / DWI
  • Defibrillator
  • Diabetic Coma
  • Gastric Bypass
  • Heart Attack
  • Heart Surgery
  • Heart Valve Surgery
  • Hemorrhagic Stroke
  • Hodgkins Lymphoma
  • Home Health Care
  • Hospitalization
  • Huntingtons Disease
  • Hypertrophic Cardiomyopathy
  • Insulin Shock
  • Intracerebral Hemorrhage
  • Lap Band Surgery
  • Leukemia
  • Liver Disease
  • Liver Disorder
  • Melanoma
  • Multiple Myeloma
  • Myocarditis
  • Nephropathy
  • Neuropathy
  • Non-Hodgkins Lymphoma
  • Nursing Home
  • Organ Transplant (Completed)
  • Oxygen (Non-Continuous)
  • Oxygen (Sleep Apnea Use Only)
  • Oxygen Use (Continuous)
  • Pacemaker
  • Paralysis
  • Paraplegia
  • Pending Hospitalization
  • Pending Surgery
  • Quadriplegia
  • Retinopathy
  • Sleep Apnea (w/Oxygen)
  • Stent Placement
  • Stroke / TIA
  • Watchman Implant
  • Wheelchair (Confined)
  • Wheelchair (Not Confined)

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