Best Life Insurance In 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

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Best Life Assurance In #VALUE!

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.

#VALUE!

Best Coverage In

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.

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Best Policies In

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.

Best Life Cover In

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, 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.

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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

Click for Brochure

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

Click for Brochure

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

Click for Brochure

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)