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Best Life Insurance Companies in North Carolina

Our Recommended Top 11

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored North Carolina life insurance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

473907Reviewed

284348Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Life Insurance Companies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
4.3 (33)
Facebook
4.9 (30)
Yelp
1.0 (1)

Why choose this provider?

Business Insurers of the Carolinas serves individuals, families, and entrepreneurs in North Carolina. It offers variable, whole, universal, and term life insurance plans. Its policies enable individuals to maintain their businesses, children's education, and families' standard of living long after their deaths. It also offers health, auto, farm and ranch, and professional liability insurance. The agency provides clients with multiple options by partnering with a wide range of insurance companies, including The Hartford, Chubb, CNA, and Summit.

  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
5.0 (25)
Facebook
5.0 (16)
Yelp
5.0 (2)

Why choose this provider?

Carolina Insurance Group serves private and commercial clientele throughout North Carolina. Since 2011, the company's insurance professionals have been helping individuals, families, and businesses find and apply for various insurance solutions, from individual life insurance options to coverage plans insuring policyholders from natural disasters like earthquakes and floods. They also help current policyholders update their coverage plans through policy review services. Carolina Insurance Group partners with national-level insurance carriers like Progressive, The Hartford, and National General Insurance to provide the insurance needs of its clients. 

  • Life Insurance

Best Life Insurance Companies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
5.0 (14)
Facebook
5.0 (11)
Yelp
5.0 (1)

Why choose this provider?

Piedmont Insurance and Business Group caters to families and individuals in North Carolina. The independent broker offers life insurance products that help clients prepare for unexpected circumstances. Its insurance policy comes in three types: whole, term, and fixed annuity. The agency also has personal, health, and business insurance plans from various carriers, including MetLife, Travelers, and Liberty Mutual Insurance. Its owners, Alan and Phoebe, worked for major national insurance carriers before forming their own agency in 2008.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
4.8 (19)
Facebook
4.3 (10)

Why choose this provider?

Knight Insurance is a locally owned business that offers risk management solutions for residents throughout North Carolina. Its team comprises insurance experts who offer life insurance policies that are crucial to financially provide for the family in the event of a disaster. Additional products include homeowners', personal and commercial auto, group health, and commercial property insurance plans. Owner and property and casualty agent Glenda Knight has been working in the insurance industry for over 20 years.

  • No Exam Policies

Best Life Insurance Companies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Facebook
4.9 (20)

Why choose this provider?

Ganey Byrd & Dunn Insurance Group provides various life insurance policies to individuals, families, and businesses in North Carolina. It offers term life for clients who want protection for a specific period and whole life for those who prefer lifetime coverage. It also has universal life insurance that gives permanent protection with flexible premiums. The independently owned and locally operated company additionally offers health, dental and vision, group benefits, homeowners', renters', and auto insurance. President Kim Philips started in the industry by working in her father's agency when she was young.

  • Individual Plans

Best Life Insurance Companies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
4.9 (89)
Facebook
5.0 (26)
Yelp
5.0 (1)

Why choose this provider?

Jones Insurance Agency provides life insurance policies to individuals, families, and businesses in North Carolina. It offers term life policies for those who prefer coverage for a specific period and whole-life products for those who want lifetime coverage. The firm also has universal life coverage with flexible premiums for lifelong protection. In addition, it provides health care plans like Blue Medicare Advantage, Supplement, Part D, and Medicaid. Jones Insurance Agency has been in the industry since 1956.

  • Life Insurance

Best Life Insurance Companies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
4.7 (72)
Facebook
4.9 (66)

Why choose this provider?

Tidewater Management Group provides life insurance products to clients across North Carolina. Its agents furnish whole, term, universal, and final expense insurance, helping policyholders secure their loved ones financially in the event of their passing. They also offer Medicare Supplement and Advantage plans and assist customers in acquiring complimentary insurance with provisions for dental, vision, and hearing care needs. Additionally, the team works with agencies and agents looking for growth opportunities in the industry. Tidewater Management Group has been serving the community since 2006.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
4.5 (49)
Facebook
5.0 (16)

Why choose this provider?

Creative Insurance Solutions is an independent agency serving individuals and families in North Carolina. Its team furnishes various personal lines of insurance and helps clients obtain life protection plans. The company writes customized policies to protect beneficiaries' future in case of policyholders' unexpected death. It also provides health, auto, and recreational toy insurance and works with multiple carriers, including Foremost, Builders Mutual, and Kemper. President Scott Johnson has been an insurance broker for over three decades.

  • Life Insurance

Best Life Insurance Companies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Facebook
5.0 (15)
Google
4.8 (14)

Why choose this provider?

Sloan Insurance is a family-owned independent agency that assists North Carolina clients with their life policy concerns. It offers life insurance and estate planning to account for matters after the policyholder's demise. Additionally, it provides plans for clients whose houses are destroyed by calamities, vandalism, and car crash. The agency also has auto insurance which covers bodily injury liability, personal injury protection, collision, and property damage liability. Sloan Insurance has been in the industry since 1950 and works with various companies, such as Hull & Company, The Hartford, and Heritage.

  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
4.6 (74)
Facebook
4.8 (19)

Why choose this provider?

Catawba Valley Insurance Agency provides North Carolina with life plans. Its aim is to understand its clients’ objectives and offer health and life insurance solutions to help give them peace of mind and financial security. It has universal, term, and whole life policies. Its agents guide people in deciding the right coverage for them and their families. The company also offers annuities that help increase and protect savings and generate income. The company was established in 2000.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving North Carolina
North Carolina

Expertise.com Rating

Review Sources

Google
4.9 (74)
Facebook
4.5 (14)

Why choose this provider?

Colonial Insurance Agency serves customers in North Carolina and the surrounding areas who need life assurance products. These options include individual life plans with universal and whole-life coverage. Non-life contracts are available such as business owners, automobile, and general liability policies. Colonial Insurance Agency is an independent establishment that has two physical locations. It has been open for more than five decades and its agents have an average of 18 years of real-world indemnity industry knowledge.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Business Insurers of the Carolinas
501 Eastowne Drive Suite 250, North Carolina, NC 27514
Carolina Insurance Group
125 Timber Drive Suite 105, North Carolina, NC 27529
Piedmont Insurance and Business Group
316 W. Millbrook Road, Suite 213, North Carolina, NC 27609
Knight Insurance
110 Boone Square St., Suite 7, North Carolina, NC 27278
Ganey Byrd & Dunn Insurance Group
1110 New Pointe Blvd, Ste 110, North Carolina, NC 28451
Jones Insurance Agency
820 Benson Rd., North Carolina, NC 27529
Tidewater Management Group
7100 Six Forks Rd. Ste. 201, North Carolina, NC 27615
Creative Insurance Solutions.com
1321 N. Main Street, North Carolina, NC 27526
Sloan Insurance
245 West Main Street, North Carolina, NC 27889
Catawba Valley Insurance Agency
936 Lenoir Rhyne Blvd SE, North Carolina, NC 28602
Colonial Insurance Agency
103 Millstone Suite A Dr., North Carolina, NC 27278

North Carolina Life Insurance FAQs

  • What does North Carolina’s “free look” period mean?

    North Carolina has several life insurance laws in place to protect its consumers. Under Chapter 58 of the North Carolina General Statutes, which regulates the insurance industry in the state, the "free look" period allows any North Carolina resident ten days to cancel a life insurance policy and receive a complete refund of all premiums paid.

  • Will you lose your life insurance policy in North Carolina if you miss the deadline for the premium payment?

    No, you won’t lose your life insurance policy in North Carolina if you miss the deadline for the premium payment. Life insurance policies have a grace period, which allows you to pay your premium even after the deadline without the insurer canceling your policy. This grace period is no less than 31 days, as regulated by the North Carolina Department of Insurance.

  • What will happen to your money if your insurer in North Carolina goes out of business?

    Your benefits are guaranteed in North Carolina, provided your chosen insurance company is properly licensed to operate in the state. This means you can get a maximum $300,000 guarantee from the North Carolina Life and Health Insurance Guaranty Association if your insurer goes bankrupt or can no longer fulfill its obligations.

  • If you purchased a life insurance policy in a different state, will North Carolina recognize it?

    No. If you bought a life insurance policy in another state, the laws and regulations of your policy’s origin will apply—not North Carolina’s. That being said, you won’t be entitled to the insurance protection and benefits that North Carolina residents who carry policies applied for and issued in North Carolina enjoy.

  • Is there any way to know if the North Carolina insurance company you are transacting with is financially sound?

    Yes. You may call the North Carolina Department of Insurance’s toll-free number (855-408-1212) to inquire whether or not the company you are transacting with is licensed to write business in the state. There are also numerous reputable rating agencies you can check online to view the financial strength ratings of insurance companies in North Carolina.