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Best Life Insurance Companies in Gastonia, NC

Our Recommended Top 19

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Our goal is to connect people with the best local professionals. We scored Gastonia 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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19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1108 Union Road, Gastonia, NC 28054
WebsiteLicense: 1000391325

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Review Sources

Google
4.0 (41)
Facebook
4.0 (29)

Why choose this provider?

A1 Insurance Coverage is a family-owned and family-operated business that has been operating in Gastonia since 1990. It offers term and whole life insurance options which can be utilized for different purposes such as replacing lost income, funding a child's education, covering basic childhood expenses, and paying household debts. Its team of independent agents also specializes in different types of insurance products under personal and business lines. The agency partners with multiple insurance carriers including Progressive, MetLife, and Discovery Insurance Company.

  • Life Insurance
  • Health Insurance

1905 East Garrison Boulevard, Gastonia, NC 28054
WebsiteLicense: 6586552

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Google
4.0 (39)

Why choose this provider?

Johnson Insurance Group Inc. is an insurance agency that serves clients in the Gastonia area. It offers an array of life insurance plans to help customers secure their financial obligations to their families and loved ones. Its policies include permanent, which covers final expenses and estate taxes, and temporary, which covers short-term debt and home mortgages. The company also provides risk protection packages for homes and automobiles. The team members at Johnson Insurance Group have over 60 years of combined experience.

  • Life Insurance

106 East Mountain Street, Kings Mountain, NC 28086
WebsiteLicense: 6582276

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Review Sources

Google
4.0 (13)

Why choose this provider?

Warlick and Hamrick Insurance is an independent insurance agency that has been providing life insurance products in Gastonia and nearby communities since 1946. In addition to universal, whole, and term life insurance policies, the company also assists with auto, home, and business insurance. Warlick and Hamrick Insurance incorporated the Arthur Hay Agency of Kings Mountain, one of the oldest agencies in the South, and the Robert L. Smith, Jr. Agency of Kings Mountain in 1997 and 2005, respectively.

  • Life Insurance

1548 Union Road, Gastonia, NC 28054
WebsiteLicense: 1000007475

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Google
4.0 (36)
Facebook
5.0 (24)

Why choose this provider?

Ewing Insurance Agency serves the residents of Gastonia and the neighboring cities. It provides life insurance options, including term life, whole life, and universal life insurance. The company also offers solutions for retirement plans, IRAs, and annuities. Ewing Insurance Agency also offers home, auto, and commercial insurance products. Business owners can choose from several options such as business liability, BOPs, and workers' compensation. Umbrella plans are also available for clients looking to get additional coverage beyond what traditional policies provide.

  • Life Insurance

6101 Carnegie Boulevard, Charlotte, NC 28209
WebsiteLicense: 6580920

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Review Sources

Google
5.0 (106)
Facebook
5.0 (31)

Why choose this provider?

Mark McDuffie Insurance Agency is a life insurance agency that services clients from Gastonia and nearby areas. The firm provides universal, whole, and term life insurance to prepare clients for the future. It also offers insurance for vehicles, business owners, renters, and homes, with a wide range of coverage available. The firm has partnered with major insurance carriers such as Progressive, US Assure, and Erie Insurance. Mark McDuffie founded this independent agency in June 2001.

  • Life Insurance

10125 Perimeter Parkway, Charlotte, NC 28216
WebsiteLicense: 19316794

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Why choose this provider?

Stephen Buckley owns and operates a State Farm-affiliated insurance agency that serves Gastonia and the neighboring communities. Stephen is a second-generation State Farm agent who is currently working with his account manager to assist policyholders in the area. His office offers a range of insurance lines, including life insurance policies. Some of the life insurance products available are term, whole, and universal life insurance. Stephen's firm aims to help individuals and families find the right protection that best suits their needs.

  • Life Insurance
  • Health Insurance

4805 South New Hope Road, Belmont, NC 28012
WebsiteLicense: 1000360059

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Review Sources

Facebook
5.0 (9)

Why choose this provider?

Freedom Financial Solutions, LLC is an insurance company that offers insurance solutions to clients in the Gastonia metro. The company is an independent insurance agency with connections to the country's top-rated insurance providers. It is capable of offering diverse options for life insurance products such as living benefits insurance, term life insurance, whole life insurance, indexed universal life insurance, and annuities. It also offers policies that cover mortgages, personal debts, as well as final expenses.

  • Life Insurance
  • Whole Life Insurance
  • Long Term Care

2204 West Franklin Boulevard, Gastonia, NC 28052
WebsiteLicense: 1000011580

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Google
4.0 (18)
Yelp
5.0 (1)

Why choose this provider?

Parsons Insurance Group, a representative of Erie Insurance, is an independent insurance agency catering to individuals, families, and businesses in Gastonia. It helps clients obtain comprehensive life insurance products, including final expense, individual life, and mortgage protection insurance plans, depending on their needs and circumstances. Other products include auto, home, business insurance, and employee benefits. The agency works with several established insurance providers, including Foremost Insurance Company, National General, and The Colonial Group.

  • Life Insurance

1474 Highway 55 East, Clover, SC 29710
WebsiteLicense: 1907391330

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Review Sources

Google
5.0 (5)
Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Sloan Financial Group caters to clients in Gastonia and nearby areas. It is a full-service financial company that handles investments, tax services, financial planning, and insurance such as life insurance. The firm assists clients in deciding on the type of product to buy or compare policies from different companies. Other types of life insurance can be a source for retirement income or funding for starting a business or college education. Sloan Financial Group aims to assist clients who want to protect beneficiaries in the future.

  • Life Insurance
  • Long Term Care

6602 Roberta Road, Harrisburg, NC 28075
WebsiteLicense: 1000097148

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Review Sources

Facebook
5.0 (23)

Why choose this provider?

Carey Insurance Agency is an independent insurance agency serving clients in and around Gastonia since 2007. It offers term life and permanent life insurance, flood insurance, earthquake insurance, motorcycle insurance, homeowners' insurance, and renters' insurance. For businesses, it provides insurance policies that cover constructions, breweries, and distilleries. The agency has partnered with multiple carriers that offer a variety of insurance packages. Its principal agent and president, Ron Carey, has been in the insurance business for more than three decades.

  • Life Insurance

1422 South Main Street, Kannapolis, NC 28081
WebsiteLicense: 1000144012

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Harvey & Owings Agency is a family-owned and family-operated insurance agency serving individuals and business owners in Gastonia. It has a team of agents with over 100 years of combined experience, which they use to help first-time and tenured policyholders. They shop for different life insurance plans from insurance carriers like MetLife and Progressive. The agency can then tailor these policies to fit those wanting to replace income to pay off mortgages. Additionally, the agency provides auto and classic car insurance.

  • Life Insurance

413 South York Street, Gastonia, NC 28052
WebsiteLicense: 11308128

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Review Sources

Google
5.0 (92)
Facebook
5.0 (11)

Why choose this provider?

Elite Insurance is an independent insurance company providing life insurance to individuals, families, and businesses in Gastonia and surrounding areas since 2015. Clients can choose from term life, permanent life, and universal life insurance policies. It offers a wide range of services, including automobile, homeowners, commercial, and motorcycle insurance plans. The company represents over 60 different companies such as National General, Safeco Insurance, Foremost Insurance group. Elite Insurance is licensed to sell insurance in North Carolina, Virginia, and South Carolina.

  • Life Insurance

3105 Rock Hill Church Road, Concord, NC 28027
WebsiteLicense: 17764934

Expertise.com Rating

Review Sources

Facebook
5.0 (20)

Why choose this provider?

Devin Canup is a State Farm insurance agent who provides life insurance products to clients in Gastonia. David has a degree in business administration and has been working with State Farm for many years. Devin started his team aiming to make a difference in his hometown. He works with clients to determine the universal, whole, or term life insurance policy that meets their needs. Devin also offers property, auto, health, and business insurance and also serves the Concord, Harrisburg, and Mt. Pleasant areas.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

510 East Main Street, Lincolnton, NC 28092
WebsiteLicense: 1000005623

Expertise.com Rating

Review Sources

Facebook
4.3 (9)

Why choose this provider?

Lincoln Insurance Agency, Inc., is an independent company that provides life insurance to residents and businesses in Gastonia and the surrounding communities. It represents multiple carriers that offer a variety of personal insurance packages. In addition to life insurance, these include home, health, auto, and motorcycle insurance plans. In addition, it provides other types of insurance packages, like commercial, farm owners’, poultry farm, and winery insurance. It even deals with boat and yacht insurance policies.

  • Life Insurance
  • Health Insurance

334 South Aspen Street, Lincolnton, NC 28092
WebsiteLicense: 1000003349

Expertise.com Rating

Why choose this provider?

Citizens Insurance is a Lincolnton-based company that extends its services to the Gastonia metro. It is a locally owned and independent agency that caters to individuals seeking life insurance solutions. The business also works with multiple carriers in providing insurance plans. Additionally, it helps clients acquire health, home, auto, motorcycle, and business insurance policies. Citizens Insurance has been in the industry since 1940. Mark Mullen, Amy York, and Candice Richardson, the company's licensed insurance agents, have more than 60 years of combined insurance experience.

  • Life Insurance
  • Health Insurance

245 East Second Avenue, Gastonia, NC 28052
WebsiteLicense: 1000002343

Expertise.com Rating

Review Sources

Google
4.0 (134)
Facebook
5.0 (10)

Why choose this provider?

Watson Insurance is a full-service insurance agency that has been operating in Gastonia since 1943. It is a family-owned business that is run by Thomas C. Watson, Jr., a second-generation insurance agent with over 55 years of experience. He and his team provides individual and group life insurance, either for an incremental term or until death. The company can customize plans to act as a secondary savings account, as payment for final expenses, or as income replacement.

  • Life Insurance
  • Individual Plans

210 North Main Street, Belmont, NC 28012
WebsiteLicense: 1000002091

Expertise.com Rating

Review Sources

Google
4.0 (11)

Why choose this provider?

Avery Insurance Group is a team of independent insurance agents that serves Gastonia businesses and residents. The company carries a selection of life insurance coverage, including fixed annuities, final expense, mortgage protection, and individual life insurance. Its agents help clients understand and choose from available individual life insurance options, such as whole, universal, and term life insurance plans. Avery Insurance Group has been providing solutions since 2005. Mark Avery, its owner, possesses over 25 years of insurance experience.

  • Life Insurance
  • Individual Plans

PO Box 11052, Charlotte, NC 28220
WebsiteLicense: 1000011593

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

The Grigg Group is a Charlotte-based independent insurance company serving the Gastonia metro. It is a full-service brokerage that helps its clients in the process of obtaining group life insurance coverages. In addition, the company provides other employee benefit programs, such as vision, disability, dental, and flexible spending accounts. It also handles property and casualty, payroll, and financial planning. Founded by Kelly Grigg, an insurance agent, The Grigg Group has been providing insurance solutions since 1998.

  • Life Insurance
  • Health Insurance
  • Group Plans

1752 Country Club Road, Gastonia, NC 28054
WebsiteLicense: 7461823

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

Jessica Trias is a local State Farm insurance agent that operates an office in Gastonia. She started her insurance career in 2002 and has been with State Farm since 2019. Trias assists individuals in buying term life and permanent life insurance. She produces insurance products for cars, homes, pets, businesses, and health. Her team also guides clients through the different banking solutions offered by State Farm. Trias' agency has an in-house notary public service.

  • Life Insurance
  • Health Insurance
  • Individual Plans

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
A1 Insurance Coverage
1108 Union Road, Gastonia, NC 28054
Johnson Insurance Group Inc
1905 East Garrison Boulevard, Gastonia, NC 28054
Warlick and Hamrick Insurance
106 East Mountain Street, Kings Mountain, NC 28086
Ewing Insurance Agency
1548 Union Road, Gastonia, NC 28054
Mark McDuffie Insurance Agency
6101 Carnegie Boulevard, Charlotte, NC 28209
Stephen Buckley
10125 Perimeter Parkway, Charlotte, NC 28216
Freedom Financial Solutions, LLC
4805 South New Hope Road, Belmont, NC 28012
Parsons Insurance Group
2204 West Franklin Boulevard, Gastonia, NC 28052
Sloan Financial Group, LLC
1474 Highway 55 East, Clover, SC 29710
Carey Insurance Agency
6602 Roberta Road, Harrisburg, NC 28075
Harvey & Owings Insurance Agency
1422 South Main Street, Kannapolis, NC 28081
Elite Insurance
413 South York Street, Gastonia, NC 28052
Devin Canup
3105 Rock Hill Church Road, Concord, NC 28027
Lincoln Insurance Agency, Inc.
510 East Main Street, Lincolnton, NC 28092
Citizens Insurance
334 South Aspen Street, Lincolnton, NC 28092
Watson Insurance
245 East Second Avenue, Gastonia, NC 28052
Avery Insurance Group
210 North Main Street, Belmont, NC 28012
The Grigg Group
PO Box 11052, Charlotte, NC 28220
Jessica Trias
1752 Country Club Road, Gastonia, NC 28054

FAQs

  • What is the duration of the free look period for life insurance policies available in Gastonia and the state of North Carolina?

    North Carolina insurance laws give Gastonia life insurance policyholders a minimum of 10 days to review the terms and conditions of their policies. Policyholders also have a minimum 20-day free-look period on replacement policies. The free-look period allows the insured to decide whether they want to keep or cancel their policies without incurring any financial penalties.

  • What benefits do Gastonia residents gain by opting for permanent life insurance as opposed to term life insurance?

    Permanent life insurance provides Gastonia policyholders with lifelong coverage as long as they pay their premiums. This insurance option can also be used for tax and estate planning, as well as the creation of trusts for dependents with special needs. Additionally, it includes a savings component that allows for the tax-free accumulation of cash value. A permanent life insurance policy's premium remains constant throughout the policyholder's lifetime.

  • Do insurance companies charge interest on outstanding cash value loans from Gastonia residents’ permanent life insurance policies?

    Yes, if the sum of the outstanding loan balance and total unpaid interest on a policy loan exceeds the cash value of the policy, the insurance and all associated coverage are canceled. Withdrawing cash value or borrowing against a permanent policy reduces the future death benefit intended for Gastonia beneficiaries.

  • What is the impact of taking a lump sum from a whole life insurance policy in Gastonia?

    Taking a lump sum from a whole life insurance policy in Gastonia while the policy owner is still alive reduces the death benefits that beneficiaries will receive upon the insured's death. Policyholders should ensure that they understand how much their death benefit will be reduced and whether it still meets the policy's intended goals.

  • Can Gastonia life insurance policy owners force insurers to pay interest on delayed death benefits?

    North Carolina law GS 58-58-110 says that insurance companies must pay interest when death benefits are not paid out as the policy says they should be within 30 days of getting enough proof of the claim. Beneficiaries in Gastonia may think about going to court to get their rights from insurance companies.

  • 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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