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Best Life Insurance Companies in Durham, NC

Our Recommended Top 15

We did the research for you!

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  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Durham 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.

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15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3805 University Dr., Unit B, Durham, NC 27707
WebsiteLicense: 1000005914

Expertise.com Rating

Review Sources

Google
4.9 (31)
Facebook
4.8 (16)

Why choose this provider?

B & A Financial Services caters to individuals and businesses in Durham and the surrounding areas. The company offers life, health, long-term care, and disability insurance. It also handles money management and planning for income taxes, insurance, and retirement. Services like the preparation of tax returns, complete bookkeeping solutions for small businesses, payroll work, and the preparation of estate planning documents are also available. The company brings more than 25 years of industry experience to its clients.

  • Life Insurance
  • Health Insurance

3813 University Drive, Durham, NC 27707
WebsiteLicense: 6548473

Expertise.com Rating

Review Sources

Google
5.0 (91)
Facebook
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

Embree Insurance is a life insurance company founded in 1997 that serves clients in Durham and neighboring areas. The company provides a range of life insurance products such as final expense insurance, fixed annuities, individual life insurance, and mortgage protection insurance designed to fulfill the client's debt obligations in the event of death. Embree Insurance has advisors that help clients make sound, educated decisions regarding their insurance needs. Its insurance carriers include Erie Insurance, NC Grange Mutual Insurance Company, Progressive, and Nationwide.

  • Life Insurance

2530 Meridian Parkway, Durham, NC 27713
WebsiteLicense: 1000464913

Expertise.com Rating

Review Sources

Google
4.9 (34)
Facebook
5.0 (6)
Yelp
3.6 (5)

Why choose this provider?

Triangle Insurance Alliance is a local independent insurance agency in Durham offering life insurance plans that can cover lapses and gaps. With almost 50 years of experience in the insurance industry, Triangle Insurance Alliance has access to 18 A-rated companies, including MetLife, Kemper, Travelers, Safeco, Berkshire Hathaway, and National General. The business is also providing homeowners insurance, car insurance policy, and an array of business insurance packages. Its office is located near Research Triangle Park.

  • Life Insurance

150 Providence Road, Chapel Hill, NC 27514
WebsiteLicense: 6585577

Expertise.com Rating

Review Sources

Google
5.0 (22)
Yelp
5.0 (3)
Facebook
5.0 (1)

Why choose this provider?

Chan Wright Insurance Agency is a life insurance agency serving clients in Durham. The company provides a wide range of life insurance options such as term, whole, and universal. There are also insurance packages for homeowners, business owners, renters, and vehicles. Owned by Chan Wright, this independent firm has partnered with various insurance carriers including Erie Insurance, Foremost Insurance, and National General Insurance. Chapel Hill Magazine has featured the company in its March 2021 issue.

  • Individual Plans
  • Life Insurance

6224 Fayetteville Road, Durham, NC 27713
WebsiteLicense: 1000341016

Expertise.com Rating

Review Sources

Facebook
5.0 (34)
Google
4.8 (9)

Why choose this provider?

Craig Insurance Group is an independent agency that has been serving the Durham community since 2007. Through its affiliation with Nationwide Insurance, it offers term, whole, universal, and variable life insurance to individuals and families. Its team of professionals also specializes in auto, home, flood, and umbrella insurance. The agency's owner, Amber Craig, developed her insurance and leadership skills by working her way up from a receptionist to an agency manager.

  • Individual Plans
  • Life Insurance

1506 East Franklin Street, Chapel Hill, NC 27514
WebsiteLicense: 1000414615

Expertise.com Rating

Review Sources

Google
5.0 (125)
Facebook
5.0 (26)

Why choose this provider?

Seagroves Insurance is a family-owned life insurance company serving clients in Durham. The company was established in 1972. Since then, it has provided a wide range of services to help families and businesses meet their unique coverage needs. It offers various life insurance options, such as individual and group life, long-term care, mortgage protection, and disability insurance. Seagroves Insurance is a member of the Highland Insurance Group and the IIANC. Furthermore, the company works with various carriers, including MetLife, Progressive, and Liberty Mutual Insurance.

  • Life Insurance

209 North 3rd Street, Mebane, NC 27302
WebsiteLicense: 8281003

Expertise.com Rating

Review Sources

Facebook
5.0 (33)

Why choose this provider?

Jonathan Caudill of Farm Bureau Insurance Group offers life coverage for clients in Durham. His provided policies include whole, term, and qualified and non-qualified annuities. He also covers auto, home, and renters' insurance. Jonathan is the agency manager for Farm Bureau's Mebane office, and he focuses on securing businesses and families through virtues of integrity and swift response. He has been recognized for his accomplishments in sales and work quality for life insurance and annuities and in property and casualty insurance.

  • Life Insurance
  • Health Insurance

2144 Page Road, Durham, NC 27703
WebsiteLicense: 1000079321
Website

Expertise.com Rating

Review Sources

Google
5.0 (4)
Facebook
5.0 (1)

Why choose this provider?

Strategic Retirement Solutions, Inc. offers life insurance policies for clients in Durham. Serving the public since 2010, the team of insurance agents gives customers a choice between two types of policies depending on their needs and financial capability: term life insurance and permanent life insurance. Their services include retirement planning and advice for older clients. Rather than shop from one provider, the company has partnered with multiple carriers to present each client with a complete financial plan.

  • Life Insurance

501 Eastowne Drive, Chapel Hill, NC 27514
WebsiteLicense: 1000069230

Expertise.com Rating

Review Sources

Google
4.0 (25)
Facebook
4.6 (1)

Why choose this provider?

Business Insurers of the Carolinas is an independent agency serving individuals, families, and commercial clients in the Durham metro. It is a life insurance service provider that offers variable, term, whole, and universal coverage. Additionally, the company helps clients obtain other plans such as health, workers' compensation, garage liability, business, and farm insurance. It also creates insurance coverage for autos, ATVs, RVs, and yachts. Business Insurers of the Carolinas represents various insurance carriers, including Foremost, Safeco, and Kemper Insurance.

  • Life Insurance
  • Health Insurance

4905 Pine Cone Drive, Durham, NC 27707
WebsiteLicense: 1000077294

Expertise.com Rating

Review Sources

Google
4.0 (31)
Facebook
5.0 (9)
Yelp
5.0 (5)

Why choose this provider?

Bowen Agency, Inc. is a local, independent insurance agency that serves residents and businesses in Durham and throughout North Carolina. With access to a selected group of carriers like Erie Insurance, Progressive, and Universal, this agency provides various options for home & auto, commercial, and life insurances. The life insurance policies for individuals particularly include term life, whole life, and universal life. Specialized life insurance policies such as mortgage protection insurance, final expense insurance, and fixed annuities are also available.

  • Life Insurance

5315 Highgate Drive, Durham, NC 27713
WebsiteLicense: 1000616191

Expertise.com Rating

Review Sources

Google
4.0 (67)
Facebook
5.0 (1)

Why choose this provider?

Leslie Robinson is an insurance professional who has been working at State Farm since 2004. She offers services to clients in Durham and the surrounding areas. She provides term, universal, and whole life insurance policies as well as health and Medicare insurance plans. In addition, she assists in acquiring auto, business, home, pet, and property insurance products. Leslie has received various State Farm awards over the years, including Ambassador Travel, Chairman's Circle, and Senior Vice President's Club.

  • Life Insurance
  • Health Insurance

2344 Operations Drive, Durham, NC 27705
WebsiteLicense: 1000009216

Expertise.com Rating

Review Sources

Google
5.0 (62)
Facebook
5.0 (19)

Why choose this provider?

Herring & Bickers Insurance Agency, Inc. is a local independent company that has been serving individuals, families, and businesses in Durham since 1977. It carries a wide range of insurance products such as auto, home, business, health, and life insurance. With over 75 years of combined experience, the agents can help clients determine the right plan for their needs among term life, whole life, and long-term care options. The agency represents various insurance providers, including Erie Insurance, Banner Life, and Blue Cross Blue Shield.

  • Life Insurance
  • Health Insurance

1210 Cole Mill Road, Durham, NC 27705
WebsiteLicense: 1000013862

Expertise.com Rating

Review Sources

Google
5.0 (73)
Facebook
5.0 (28)

Why choose this provider?

The Insurance Pros is an independent insurance agency serving clients throughout Durham. It offers a wide variety of life insurance products ranging from final expense insurance and individual life insurance to fixed annuities and mortgage protection insurance. It also assists its customers with auto, business, and homeowners' insurance needs. The Insurance Pros owners Charlie Dickerson and Tim Foster work with insurance carriers to help customers find a policy that suits their needs and lifestyles. Some of the carriers include Transamerica, Progressive, and Prudential.

  • Life Insurance

5417 South Miami Boulevard, Durham, NC 27703

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

First Insurance Services has been protecting individuals and families in Durham through proper life insurance plans for over 50 years. The full-service insurance agency offers several life programs, including annuities, disability income, long-term care, term, universal, and whole. The amount of life insurance depends on the clients' health and medical history. Its agents have access to numerous insurance carriers that offer competitive rates and insurance options. First Insurance Services is committed to prioritizing its clients' interests and providing personalized insurance programs.

  • Life Insurance

24 Warbler Lane, Durham, NC 27712
WebsiteLicense: 6545885

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Robert F Naples CLU RHU ChFC AAI LUTCF is an insurance and financial services provider catering to individuals, families, and businesses in Durham and surrounding areas since 1969. It provides various insurance plans, including life insurance. It offers term insurance with one to 30 years coverage and permanent insurance such as universal life, whole life, and final expense insurance. Additionally, key person insurance is also offered to protect businesses from financial losses incurred from the death of a key person.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
B & A Financial Services
3805 University Dr., Unit B, Durham, NC 27707
Embree Insurance
3813 University Drive, Durham, NC 27707
Triangle Insurance Alliance
2530 Meridian Parkway, Durham, NC 27713
Chan Wright Insurance Agency
150 Providence Road, Chapel Hill, NC 27514
Craig Insurance Group
6224 Fayetteville Road, Durham, NC 27713
Seagroves Insurance
1506 East Franklin Street, Chapel Hill, NC 27514
Jonathan Caudill
209 North 3rd Street, Mebane, NC 27302
Strategic Retirement Solutions, Inc.
2144 Page Road, Durham, NC 27703
Business Insurers of the Carolinas
501 Eastowne Drive, Chapel Hill, NC 27514
Bowen Agency, Inc.
4905 Pine Cone Drive, Durham, NC 27707
Leslie Robinson
5315 Highgate Drive, Durham, NC 27713
Herring & Bickers Insurance Agency, Inc.
2344 Operations Drive, Durham, NC 27705
The Insurance Pros
1210 Cole Mill Road, Durham, NC 27705
First Insurance Services
5417 South Miami Boulevard, Durham, NC 27703
Robert F Naples CLU RHU ChFC AAI LUTCF
24 Warbler Lane, Durham, NC 27712

FAQs

  • Why should Durham individuals purchase life insurance?

    Individuals in Durham must purchase life insurance to help them support their families' needs in case of income loss due to unexpected death. Life insurance can help them preserve family businesses, pay mortgage and household debts, and settle college or healthcare expenses. It also allowa individuals and families to establish an emergency fund and protect existing assets.

  • If you are a first-time life insurance buyer in Durham, what should you do?

    If you are a first-time life insurance buyer, you must determine what type of coverage you need in Durham. You may choose between term and whole life insurance coverage for death benefit protection and cash value accumulation. You must also check with your insurance carrier and determine whether they process claims quickly.

  • Who should be your life insurance beneficiary in Durham?

    Your life insurance beneficiary in Durham can be anyone you want to protect from monetary responsibilities in case you pass away. They can be people who depend on your financial expenses or will pay for your death expenses. Your primary beneficiary will be the one who will receive your death benefits and your second beneficiary can only receive death benefits if the first beneficiary is unable to do so.

  • What is the difference between term and permanent life insurance in Durham?

    In Durham, term and permanent life insurance differ in their protection effectiveness. Term life insurance is set for a specific time, usually for 5, 10, 15, 20, and 30 years. Whereas permanent life insurance remains in effect for the rest of your life. Do note that there are three types of permanent life insurance: variable, universal, and whole life coverage.

  • Is there another option if you think your traditional life insurance in Durham is not enough to cover your expenses when you retire?

    If you think your traditional life insurance in Durham is not enough to cover your expenses when you retire, you may purchase long-term car insurance. Most of the time, LTC insurance is purchased by individuals who need assistance with their daily living activities. This insurance can be used to pay nursing home, assisted living, and home care expenses.

  • 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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