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2024

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Best Life Insurance Companies in Concord, NC

Our Recommended Top 17

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Concord 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.

3900Reviewed

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17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1981 J N Pease Place, Charlotte, NC 28262
WebsiteLicense: 1000010175

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Health Quotes by R.M. Beasley & Associates, Inc., has been in the business for 20 years. It is an independent insurance agency that serves individuals, families, and businesses in Concord. It offers an array of life insurance options, such as term, whole, and universal life insurance as well as variable universal life insurance and survivorship life insurance. Its other insurance policy offerings include individual and family health insurance, travel insurance, Medigap, and Medicare Part D. Additionally, the agency provides extensive business insurance coverage.

  • Life Insurance
  • Health Insurance

13331 York Center Road, Charlotte, NC 28273
WebsiteLicense: 1000604116

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Review Sources

Facebook
5.0 (1)

Why choose this provider?

Roma Insurance Agency offers a variety of insurance products to residents of Concord and the surrounding areas. The business offers life insurance products, such as term life and permanent universal life coverages. Additionally, the company offers car insurance policies that focus on general liability. The independent insurance agency is partnered with several carriers, including Progressive, Sagicor Life Insurance, Liberty Mutual, and Lincoln Heritage. Roma Insurance Agency has been offering services for more than 20 years.

  • Life Insurance

2622 Dale Earnhardt Boulevard, Kannapolis, NC 28083
WebsiteLicense: 1000002945

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Google
4.0 (108)
Facebook
5.0 (20)

Why choose this provider?

Pethel Insurance Group is an independent insurance agency that provides insurance solutions for individuals and business owners throughout the areas of Concord. Its team of insurance professionals strives to offer personalized insurance plans that protect important matters to every client. They have life insurance plans that cover funeral costs and financial support in the event of the policyholder's untimely death. Additional products of Pethel Insurance Group are home, auto, commercial, motor home, umbrella liability, and condo insurance plans.

  • Life Insurance

250 Church Street Northeast, Concord, NC 28025
WebsiteLicense: 1000094033

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Review Sources

Google
4.0 (35)
Facebook
5.0 (4)

Why choose this provider?

Founded in 1996, Moulton Insurance Group is an agency based in Concord. With access to numerous carriers, it offers various insurance options for individuals and businesses and assists them in finding a suitable policy. One of which is life insurance that ranges from term life insurance with varying coverage, whole life insurance, and universal life insurance. In addition, final expense insurance, also known as burial expense insurance, is also available. Founding agent Kelley Moulton also supports RAIN, a nonprofit organization supporting those afflicted with HIV.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

9280 Davidson Highway, Concord, NC 28027
WebsiteLicense: 1000013930

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Review Sources

Google
5.0 (2)

Why choose this provider?

Beach Insurance is a life insurance company that has been serving customers in Concord for 30 years. Its life insurance plans include term and permanent insurance programs. It also offers disability, long-term care, final expense, and annuity insurance policies. Founded in 1978, the company has paid $72 billion in benefits. Its team strives to provide complete and unique insurance solutions by considering its customers' individual situations and educating them about options that would benefit them.

  • Life Insurance

5412 B Central Avenue, Charlotte, NC 28212
WebsiteLicense: 6572779

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Review Sources

Facebook
5.0 (1)

Why choose this provider?

Uwem Equan is a State Farm insurance agent who serves clients in the Concord area. He offers several life insurance options, including whole life, term life, and universal life insurance. Uwem is committed to helping his clients and their beneficiaries through death benefits. Small business owners can also avail themselves of life insurance, which allows the remaining business partners to buy out the deceased partner's shares. He leads a team that also accommodates Spanish-speaking clients.

  • Life Insurance
  • Health Insurance

6602 Roberta Road, Harrisburg, NC 28075
WebsiteLicense: 1000097148

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Review Sources

Google
4.0 (36)
Facebook
4.0 (26)

Why choose this provider?

Based in Harrisburg, Carey Insurance Agency provides Concord clients with a wide range of insurance products and solutions. It offers a wide array of personal and business insurance plans, including individual life insurance policies. Its team offers term life as well as permanent life insurance policies, guiding clients in selecting the right level of coverage that will suit their needs. Carey Insurance has been serving clients since 2007. Company founder Ron Carey holds over three decades of insurance industry experience.

  • Life Insurance

8316 Medical Plaza Drive, Charlotte, NC 28262
WebsiteLicense: 1000012803

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Review Sources

Google
4.0 (48)
Facebook
5.0 (2)
Yelp
1.0 (2)

Why choose this provider?

Parks Insurance is an independent insurance service provider that delivers a wide range of solutions to businesses and individuals in Concord. The insurance agents from this company evaluate clients to determine the policies that meet their financial objectives. They provide life insurance to financially protect the surviving families in the event the policyholders pass away. The agency's other personal lines insurance products are home, auto, recreational vehicle, jewelry, and boat insurance plans. Parks Insurance also has insurance policies that safeguard businesses against unforeseen financial struggles.

  • Life Insurance

1501 East 7th Street, Charlotte, NC 28204
WebsiteLicense: 1000006608

Expertise.com Rating

Review Sources

Google
5.0 (110)
Yelp
5.0 (2)

Why choose this provider?

H.B. Cantrell & Co. Insurance has been handling the insurance needs of customers across Concord since 1976. As an independent insurance broker, it partners with multiple carriers to find the right policy for its clients. It offers term life insurance and three kinds of whole life insurance, namely traditional, universal, and variable universal life. In addition, it also shops coverages to secure personal properties and businesses. The staff of H.B. Cantrell & Co. Insurance is dedicated to giving each policyholder one-on-one attention.

  • Life Insurance

2202 West Roosevelt Boulevard, Monroe, NC 28110
WebsiteLicense: 1000541808

Expertise.com Rating

Why choose this provider?

Carolinas Insurance Services offers personalized life insurance coverages in Concord and the surrounding areas. The locally operated business offers the most common life insurance types such as term, whole, and universal. Its agents are equipped to adjust existing policies depending on the life transitions of policyholders, whether they had a divorce, a new baby, a business expansion, or a new home. The amount of life insurance can also change if a policyholder received an inheritance or owned a sizable estate.

  • Life Insurance
  • Health Insurance

PO Box 5412, Concord, NC 28027
WebsiteLicense: 1000057271

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
5.0 (1)

Why choose this provider?

REC Insurance is an independent insurance company located in Concord. With over 25 years of industry experience, its team of agents works with each client to help them identify their needs and find the policy that best meets these. Originally serving the recreational vehicle market, the company now provides life insurance, home insurance, and car insurance. The company still insures RVs, as well as boats, ATVs, and motorcycles. Other products include wedding insurance, pet insurance, and dental coverage.

  • Life Insurance
  • Term Life Insurance

732 Kannapolis Parkway, Concord, NC 28027
WebsiteLicense: 1000094104

Expertise.com Rating

Review Sources

Google
4.0 (31)
Facebook
5.0 (9)

Why choose this provider?

Allen & Ballard Insurance Associates is a locally owned independent insurance agency serving customers in Concord. It's partnered with insurance carriers like Foremost Insurance Group, Progressive, and Travelers. Its product line includes term life, whole life, and universal life insurance plans, which cover burial expenses, debts, mortgage, and uninsured medical bills. It offers auto, boat, condominium, and renters' insurance policies. Allen & Ballard Insurance Associates, which was formerly Allen Insurance Group, was established in 1996.

  • Life Insurance

797 Davidson Drive Northwest, Concord, NC 28025
WebsiteLicense: 1000355232

Expertise.com Rating

Review Sources

Google
5.0 (233)
Facebook
5.0 (4)

Why choose this provider?

Byrd Agency has been providing insurance services in the Concord area for nearly six decades. It is committed to helping individuals and families protect themselves against life's unexpected challenges through insurance solutions. The company offers life insurance coverage options, such as whole life and term life policies. It also provides long-term care insurance as well. Its insurance specialists can help clients understand each type of coverage option and find a policy that suits their unique needs.

  • Life Insurance

10230 Berkeley Place Drive, Charlotte, NC 28262
WebsiteLicense: 8420518

Expertise.com Rating

Review Sources

Facebook
5.0 (35)
Yelp
3.0 (2)

Why choose this provider?

John Moody has been with State Farm since 2012. He opened his own State Farm insurance office in 2017. Moody and his staff have more than 30 years of combined experience in the industry, and they offer life insurance options for clients in Concord and the surrounding areas. In addition, they craft personal insurance policies, such as health, home, and property insurance. His State Farm insurance office also provides business insurance plans, including fleet insurance.

  • Life Insurance
  • Health Insurance

215 Sardis Grove Lane, Matthews, NC 28105
WebsiteLicense: 1000636221

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Jim Boyce Insurance is an insurance company that serves clients in the Concord area. Its team of agents provides clients with personalized life insurance policies, which will help cover the costs of their funeral expenses, mortgage, and remaining debts. The firm also offers coverages for renters, floods, and automobiles. It was founded by Jim Boyce in 1973 with an aim to give valuable services that can protect families and assets. Jim and his son, Don, have a combined experience of 75 years in the industry.

  • Life Insurance
  • Health Insurance

646 Church St N, Concord, NC 28025
WebsiteLicense: 18869208

Expertise.com Rating

Review Sources

Google
5.0 (28)
Facebook
5.0 (2)

Why choose this provider?

Jason Bentley Agency in Concord offers full-service insurance solutions, including term and whole life insurance plans. This agency is independent, freeing its agents to survey the marketplace for the most comprehensive coverage and compare quotes. Other types of insurance products it offers include coverage for motorcycles, boats, and RVs. With its commitment to giving back to the community, the agency supports non-profit organizations, including Kreitzer’s Critter Corral Puppy Rescue. Jason Bentley Agency is also licensed to operate in South Carolina and Virginia. 

  • Life Insurance
  • Health Insurance

PO Box 1049, Concord, NC 28026
WebsiteLicense: 1000008008

Expertise.com Rating

Review Sources

Google
4.0 (21)

Why choose this provider?

United Cabarrus Insurance Agencies, Inc., is a Concord-based insurance company. This agency offers a wide range of insurance plans, including life insurance policies. Its team assists clients in exploring various life insurance plans available in the market and helps them decide on the level of coverage that suits their needs. The company also provides an extensive range of health insurance products such as traditional health insurance, short-term and long-term care insurance, Medicare supplements, and accident coverage. The company carries five decades of industry experience.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Health Quotes by R.M. Beasley & Associates, Inc
1981 J N Pease Place, Charlotte, NC 28262
Roma Insurance Agency
13331 York Center Road, Charlotte, NC 28273
Pethel Insurance Group
2622 Dale Earnhardt Boulevard, Kannapolis, NC 28083
Moulton Insurance Group
250 Church Street Northeast, Concord, NC 28025
Beach Insurance
9280 Davidson Highway, Concord, NC 28027
Uwem Equan
5412 B Central Avenue, Charlotte, NC 28212
Carey Insurance Agency
6602 Roberta Road, Harrisburg, NC 28075
Parks Insurance Group
8316 Medical Plaza Drive, Charlotte, NC 28262
H.B. Cantrell & Co. Insurance
1501 East 7th Street, Charlotte, NC 28204
Carolinas Insurance Services
2202 West Roosevelt Boulevard, Monroe, NC 28110
REC Insurance
PO Box 5412, Concord, NC 28027
Allen & Ballard Insurance Associates
732 Kannapolis Parkway, Concord, NC 28027
Byrd Agency
797 Davidson Drive Northwest, Concord, NC 28025
John Moody
10230 Berkeley Place Drive, Charlotte, NC 28262
Jim Boyce Insurance
215 Sardis Grove Lane, Matthews, NC 28105
Jason Bentley Agency
646 Church St N, Concord, NC 28025
United Cabarrus Insurance Agencies, Inc.
PO Box 1049, Concord, NC 28026

FAQs

  • How often should a Concord life insurance policyholder review their policy?

    A Concord life insurance policyholder should review their policy at least once every year. This review is necessary to assess their current needs and update their plan accordingly. Major life changes also necessitate a policy review because these changes impact their needs significantly. Their insurance agent or representative may be able to assist them in this endeavor.

  • Why should a Concord resident get life insurance?

    A Concord resident should get life insurance because it can be used to settle mortgage loans, replace one's lost income, fund college, and pay off inheritance and estate taxes, final expenses, and outstanding debts. Life insurance helps the family support dependents should the policyholder die unexpectedly.

  • How much life insurance does a Concord resident need?

    The life insurance that a Concord resident needs depends on one’s goals and the family’s future costs., but the basic limit may be seven to 20 times the insured’s yearly salary, although this depends on personal circumstances. If the policyholder’s plan is to cover end-of-life costs only, then they may just get insurance for burial and funeral expenses. If the mortgage, school tuition, and other significant expenses need to be paid, a whole life or term policy may be appropriate.

  • How does life insurance basically work for a Concord resident?

    A life insurance policy is a contractual agreement between the policyholder and the insurer. The former decides how much life insurance coverage they will purchase based on their needs and pays a premium to the latter to enforce the policy and keep it active. If the policyholder in Concord passes away with an active insurance plan, the insurance company pays the death benefit to the insured’s named beneficiary.

  • What advantages does convertible life insurance give to Concord policyholders?

    Convertible life insurance provides Concord policyholders with affordable term policy protection, which they can change into permanent life insurance at a future time. A converted policy is based on their original health rating, and no health questions or medical exams are required, which may uncover new health problems. This allows flexibility to adapt one’s coverage to changing circumstances while maintaining lower premiums.

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

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