North Dakota’s life insurance laws are governed by Title 26.1 of the North Dakota Century Code.
- 20-day free look period (ND Cent. Code 26.1-33-02.1)
- 31-day grace period (ND 26.1-33-05)
- Insurers must pay claims within two months, and death benefits accrue interest beginning from the date of death (ND 26.1-33-05)
- 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, Ohio’s life insurance laws and Oklahoma’s life insurance laws are nearly identical to those of North Dakota).
How Much Is A $10,000 Whole Life Policy In North Dakota?
The table below shows the rates by age of $10,000 of whole life insurance in North Dakota.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $15.17 | $17.29 | $14.23 | $16.00 |
| 25 | $16.14 | $18.63 | $15.45 | $17.19 |
| 30 | $17.54 | $20.47 | $16.51 | $19.17 |
| 35 | $18.33 | $22.56 | $17.76 | $20.50 |
| 40 | $20.64 | $24.83 | $19.70 | $24.10 |
| 45 | $24.27 | $29.36 | $22.64 | $27.04 |
| 50 | $27.18 | $33.56 | $24.87 | $31.67 |
| 55 | $32.13 | $40.45 | $28.51 | $37.14 |
| 60 | $39.35 | $47.12 | $33.70 | $42.25 |
| 65 | $48.02 | $58.53 | $41.32 | $51.03 |
| 70 | $60.47 | $70.90 | $53.00 | $60.27 |
| 75 | $97.78 | $132.86 | $71.37 | $94.97 |
| 80 | $134.34 | $182.20 | $97.98 | $136.01 |
| 85 | $188.07 | $257.66 | $132.27 | $192.60 |
You Won't Find A Lower Rate
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Best Life Assurance In Bismarck
Bismarck, the vibrant capital city of North Dakota, boasts a rich tapestry of history, culture, and natural beauty. As a hub of government and commerce, it seamlessly blends its historical significance with modern amenities and a thriving economic landscape. Situated along the majestic Missouri River, Bismarck offers endless opportunities for outdoor recreation, from serene river walks to exhilarating water sports. The city is renowned for its welcoming community, diverse culinary scene, and engaging cultural attractions, including museums, galleries, and performance venues. Bismarck’s commitment to quality of life and its strategic location make it a distinctive destination for residents and visitors alike.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Stenehjem Insurance Agency | 302 W Rosser Ave | +17012551666 |
| American Income Life – Richard Altig & Ilija Orlovic & Dustin Venekamp | 919 S 7th St suite 507 | +14258852838 |
| Justin P Thomas Insurance Agent, CLCS | 232 W Century Ave | +17012554502 |
| American Income Life – Richard Altig & Ilija Orlovic & Dustin Venekamp | 120 N 3rd St Ste 225 | +14258852838 |
| Starion Insurance | 1000 S Washington St | +17012501508 |
| Dakota Capital Life Insurance | 107 W Main Ave #325 | +18442818245 |
| Tom Reim Agency – Life Insurance, Long-Term Care, Annuities | 2718 Gateway Ave | +17012586163 |
| Stuhl Miller Insurance Services | 3658 Heartland Dr | +17012248282 |
| Prudential | Terry Preabt | Life Insurance & Financial Services | 521 E Main Ave #350 | +17014006408 |
| Mathew Scheetz – Nodak Insurance Agency | 1686 Capitol Way | +17012266195 |
| Carrie Csp Insurance Agent Inc | 1710 Burnt Boat Rd # 2 | +17013544045 |
| Instant Insurance Quotes Online | 715 E Interstate Ave | +18552098938 |
| Kayla Small American Family Insurance | 1929 N Washington St Ste Kk | +17019896899 |
| Tara Lacher Agency | 1010 E Central Ave Suite B | +17014268303 |
| Sherry Morris Agency LLC American Family Insurance | 535 Airport Rd A | +17012220768 |
| Shane Johnson – COUNTRY Financial Agent | 400 E Broadway Ave Ste 306 | +17013546991 |
Best Coverage In Fargo
Fargo is North Dakota’s most populous city, serving as a vibrant cultural, economic, and educational hub in the region. Nestled along the western banks of the Red River of the North, Fargo offers a rich blend of small-town charm and big-city amenities. Known for its friendly residents, diverse entertainment options, and thriving business community, this city boasts an impressive array of theaters, galleries, and museums, alongside expansive green spaces and recreational facilities. Home to North Dakota State University, Fargo pulsates with youthful energy, fostering innovation and community engagement. Whether exploring its historic downtown, attending one of its many festivals, or enjoying the outdoor adventures it offers, Fargo presents a dynamic living and visiting experience that combines the best of Midwestern hospitality with a forward-thinking spirit.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Nodak Insurance Company | 1101 1st Ave N | +17012984200 |
| E4 Insurance Services | 2280 45th St S suite c | +17013561270 |
| Van Hal Insurance Services | 415 38th St SW Suite B | +17012775905 |
| IP Insurance Agency | 910 Page Dr | +17012380666 |
| Farmers Insurance Larson Agency | 1815 S University Dr | +17012356409 |
| Bankers Life | 1700 42nd St S Suite 2000 | +17016122390 |
| Todd Clark – COUNTRY Financial Representative | 1555 43rd St S #101 | +17014769166 |
| David Gustafson, Bankers Life Agent | 1700 42nd St S Suite 2000 | +17016122390 |
| New York Life Insurance | 2000 44th St S Ste 501 | +17012374311 |
| Kelly Howe – Nodak Insurance Agent | 3187 Bluestem Dr Suite 3 | +17015320624 |
You Won't Find A Lower Rate
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Best Policies In West Fargo
Nestled in the heart of North Dakota, West Fargo emerges as a vibrant city with a welcoming community and a burgeoning economic landscape. As a key player in the Fargo-Moorhead metropolitan area, West Fargo prides itself on its family-friendly atmosphere, excellent schools, and a plethora of parks and recreational activities that ensure there’s something for everyone to enjoy. The city’s dedication to growth and development is evident through its thriving businesses, expanding residential areas, and abundant opportunities for leisure and entertainment. With its blend of modern conveniences and small-town charm, West Fargo offers residents a high-quality life amidst the serene beauty of the Great Plains.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Van Hal Insurance Services | 415 38th St SW Suite B | +17012775905 |
| Principal Life Insurance Co. – Jessica Westgard Larson | 4334 18th Ave S Suite 103 | +17012374888 |
| Bankers Life | 1700 42nd St S Suite 2000 | +17016122390 |
| Todd Clark – COUNTRY Financial Representative | 1555 43rd St S #101 | +17014769166 |
| Frederick Linehan, Bankers Life Agent | 1700 42nd St S Suite 2000 | +17016122390 |
| New York Life Insurance | 2000 44th St S Ste 501 | +17012374311 |
| Van Hal Insurance Services | 745 31st Ave E Suite 100 | +17012775905 |
| Ihry Insurance Agency, Inc. | 1291 13th Ave E | +17015571727 |
| Linster Agency, LLC | 158 W Beaton Dr | +17017812546 |
| Absolute Insurance Agency, LLC | 1241 Prairie Pkwy Suite 120 | +17013650515 |
| Partners Plus Insurance | 405 Main Ave W ofc 1C | +17014331813 |
| First Western Insurance | 825 26th Ave E | +17018525246 |
| Kelly Howe – Nodak Insurance Agent | 3187 Bluestem Dr Suite 3 | +17015320624 |
| Farmers Union Insurance – Justin Heisler Agency | 623 Main Ave E | +17013187228 |
Best Life Cover In Grand Forks
Grand Forks, nestled at the confluence of the Red and Red Lake Rivers in North Dakota, is a vibrant city that embodies a blend of cultural richness and natural beauty. Known for its welcoming community, Grand Forks offers an array of experiences from its thriving downtown filled with shops, restaurants, and entertainment venues, to its expansive green spaces and recreational parks. As home to the University of North Dakota, the city boasts a lively academic atmosphere, innovative research, and spirited collegiate sports. With its picturesque landscapes, engaging community events, and a commitment to education and innovation, Grand Forks serves as a dynamic hub in the heart of the northern Midwest.
Best Life Insurance In Minot
Minot, known as the “Magic City,” is a vibrant city located in North Dakota, USA. Founded in 1886 during the construction of the Great Northern Railway, Minot has grown from a tent town to a thriving urban center. The city’s nickname stems from its remarkable growth in its early years, almost as if by magic. Today, Minot is famous for its annual North Dakota State Fair, the Scandinavian Heritage Park, which celebrates the area’s rich Nordic culture, and the Roosevelt Park Zoo. With a strong educational system, including Minot State University, and a robust economy supported by military, agriculture, and the energy sector, Minot offers a high quality of life for its residents and a warm welcome to visitors.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Pinnacle Employee Benefits | 710 31st Ave SW STE 3 | +17018580058 |
| BBH Insurance Inc | 900 N Broadway # 212 | +17018371254 |
| Nodak Insurance | 111 11th Ave SW Ste 2 | +17018378007 |
| Nodak Insurance – Polly Welk Agency | 217 Main St S | +17018524808 |
| Jessica Aardahl – State Farm Insurance Agent | 2151 36th Ave SW Suite C | +17018393436 |
| Heritage Insurance Services | 2201 36th Ave SW unit a | +17018587100 |
| First Western Insurance | 2105 16th St NW | +17018525246 |
| Aflac: Janel Fuchs | 516 7th Ave SE | +17018335053 |
| Jason L. Rohrer Agency of Horace Mann | 216 S Broadway # 105 | +17018394669 |
| Jada Jay- Nodak Insurance Company | 1821 W Burdick Expy Suite G | +17018525250 |
| Kellie Thorman – State Farm Insurance Agent | 500 20th Ave SW B | +17018394999 |
| Cassie Loard – Aflac Incorporated | 1370 20th Ave SW | +17017206287 |
| Farmers Insurance – Nicole Brasfield | 7 3rd St SE Ste 102 | +17012145611 |
| Bremer Insurance | 317 16th St NW | +17018521277 |
| Michael E Braun – State Farm Insurance Agent | 816 31st Ave SW Ste A | +17018380713 |
| Marchelle Mantz – COUNTRY Financial Representative | 2808 Main St S | +17018522090 |
| Northwestern Mutual | 1820 13th St SE Ste A | +17018382420 |
You Won't Find A Lower Rate
Choose kindness.
You never know what battles people may be fighting.
Top Life Insurance Companies In North Dakota
For the residents of the great state of North Dakota, 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
