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2024

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Best Life Insurance Companies in Wilmington, NC

Our Recommended Top 19

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

4456Reviewed

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19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4922 Randall Parkway, Wilmington, NC 28403
WebsiteLicense: 6595451

Expertise.com Rating

Review Sources

Google
4.0 (485)
Facebook
4.0 (67)
Yelp
2.0 (3)

Why choose this provider?

Brad Sizemore Insurance Agency is a full-service and family-owned insurance firm based in Shallotte with other locations in Wilmington, Hampstead, Leland, Sunset Beach, and Holden Beach. The company currently offers automobile insurance, life insurance, homeowners' insurance, health insurance, tenants' insurance, and business insurance for interested clients or people needing coverage for their futures. The firm was founded in 1977 by Brad Sizemore. Previous clients recommend the firm because of its responsiveness to their concerns, as well as its low rates for insurance coverage that don't sacrifice quality.

  • Life Insurance

904 S College Rd, Wilmington, NC 28403
WebsiteLicense: 1000394220

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Jas-Insurance Group works with multiple insurance carriers to provide proper life insurance coverage to individuals and families in Wilmington. The independent business assists beneficiaries in using life insurance to cover policyholders' burial costs, preserve wealth, and replace income. Additionally, education funds and mortgages will be covered when policyholders passed away. The insurance carriers the company has access to are American General, Aetna, Protective Life, and Foresters. Jas-Insurance Group has been providing life insurance assistance since 2014.

  • Life Insurance

110 Village Road Northeast, Leland, NC 28451

Expertise.com Rating

Review Sources

Google
4.8 (64)
Facebook
5.0 (27)

Why choose this provider?

Atlantic Coast Insurance Agency is an insurance brokerage operating throughout the Wilmington metro area. It offers life insurance with a variety of options, such as term insurance, permanent insurance, universal life, disability waiver, universal life, and whole life options. Atlantic Coast Insurance Agency is an independent agency that has provided clients with personal and business insurance solutions since 2004. It has other lines of insurance, including automobile insurance, property insurance, home insurance, commercial and health insurance.

  • Whole Life Insurance
  • Term Life Insurance

4006 Oleander Drive, Wilmington, NC 28403
WebsiteLicense: 1000511911

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Based in Wilmington, Archer Insurance Group is an insurance brokerage that delivers comprehensive insurance solutions for personal and business needs. The firm is headed by Harry Archer III, an insurance professional with over 30 years of experience offering and underwriting life insurance for individuals and business owners. Its life insurance products include term life insurance, whole life insurance, annuities, long-term care insurance, and disability income insurance. It also offers consultancy services to companies seeking help in insurance policy reviews and management.

  • Life Insurance

1900 Eastwood Road, Wilmington, NC 28403
WebsiteLicense: 1000597361

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (5)

Why choose this provider?

Wade Associates is an independent risk management agency that offers life insurance plans to clients around Wilmington and nearby areas. The company's full-service agents help clients determine how much coverage they need and connect them with the appropriate plans from its network of insurance carriers. The most common life insurance plans its agents assist with are term life, whole life, and universal insurance. The agency has been in the insurance industry since 1992 and also offers specialty insurance policies.

  • Life Insurance
  • Group Plans

P.O. Box 7606, Wilmington, NC 28403
WebsiteLicense: 1000073612

Expertise.com Rating

Why choose this provider?

Pinnacle Benefits Group of North Carolina LLC is an insurance brokerage in Wilmington that specializes in crafting insurance solutions and strategies. The firm was formed in 2002 with the goal of providing tailored insurance solutions to businesses and individuals. It offers life insurance products, such as term life and whole life insurance policies, that provide financial assistance during losses, accidents, or deaths. In addition, the company carries coverage plans for long-term care, disability, and retirement.

  • Life Insurance
  • Health Insurance

1613 Military Cutoff Road, Wilmington, NC 28403
WebsiteLicense: 1000564580

Expertise.com Rating

Review Sources

Google
4.0 (18)

Why choose this provider?

FinPoint Insurance Group is an agency that serves the insurance needs of residents and businesses in the local metro and the surrounding communities through its offices in Wilmington, Leland, and Southport. It is an independent insurance agency that carries life insurance plans like term life insurance and whole life or universal life insurance. Additionally, it provides commercial insurance packages like business liability insurance, commercial auto, cyber liability, commercial property, errors & omissions, and workers’ compensation insurance.

  • Life Insurance

4818 New Centre Drive, Wilmington, NC 28403
WebsiteLicense: 6583566

Expertise.com Rating

Review Sources

Google
4.0 (31)
Yelp
1.0 (1)

Why choose this provider?

David Ward is a life insurance agent who serves clients from Wilmington. He offers a variety of life insurance options, including whole, term, and universal. Ward has been working as a State Farm Insurance agent since 1976. Other products he offers include insurance for renters, homeowners, condominium owners, and cars. As the owner of David Ward State Farm Agency, he leads a team of insurance professionals with more than 100 years of combined experience. His team can deliver its services in Spanish.

  • Life Insurance
  • Health Insurance

4555 Fountain Drive, Wilmington, NC 28403
WebsiteLicense: 1000338596

Expertise.com Rating

Review Sources

Google
4.0 (7)

Why choose this provider?

Cross Roads Insurance is a life insurance provider that serves Wilmington and its surrounding areas. The family-owned company is run by agents who have more than 40 years of combined experience in the industry. As an independent provider, the agency helps its clients vet offers from multiple providers and find the right policy for their specific needs. Cross Roads Insurance focuses on providing the families of its policyholders with financial protection in the event of their death.

  • Life Insurance

4709 Oleander Drive, Wilmington, NC 28403

Expertise.com Rating

Review Sources

Google
4.4 (95)
Yelp
2.5 (10)

Why choose this provider?

Don Bullard Insurance is an independent insurance agency that has been catering to individuals and families in Wilmington and its surrounding areas since 1972. The agency is partnered with Madison Brokerage in providing a variety of life insurance policies that cover final expenses. Clients can also get a quote online for home and auto insurance policies, including liability protection and medical payments. Additionally, the agency offers insurance solutions to jewelry and rental dwelling needs. Kara Herring, the agency's president, specializes in property and casualty insurance.

  • Life Insurance

5041 New Centre Drive, Wilmington, NC 28403
WebsiteLicense: 6569971

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Davis Insurance Group serves the Wilmington area and focuses on helping individuals and families secure financial protection against unexpected events. The firm assists clients in determining suitable rates for life insurance to cover factors such as debt, mortgage protection, and income replacement. Its agents also help businesses that seek life insurance coverage for business continuation, loans, and employee benefits. Besides life insurance, Davis Insurance Group also covers insurance for seniors and clients in need of long-term treatment, including cancer patients.

  • Life Insurance
  • Health Insurance

34 Covil Ave, Wilmington, NC 28403
WebsiteLicense: 712194

Expertise.com Rating

Review Sources

Google
4.0 (96)
Facebook
3.0 (15)

Why choose this provider?

Sheally Insurance Group is an insurance agency that has been serving clients in Wilmington and surrounding areas since 2006. Partnering with various insurance carriers, its team of agents offers a range of life insurance policies for individuals and their families, such as whole life, term life, and universal life. It provides insurance for burial expenses as well. Sheally Insurance Group also offers other insurance products, including homeowners', auto, flood, and pet insurance, along with policies for commercial clients.

  • Life Insurance

2528 Independence Boulevard, Wilmington, NC 28412
WebsiteLicense: 1000008960

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

GriffinEstep Benefit Group Inc. is an independent full-service insurance brokerage and consulting firm serving the residents of Wilmington and the rest of North Carolina for more than two decades. It provides various life insurance products, including term life insurance, whole life insurance, and universal life insurance. It also offers annuities, disability insurance, supplemental worksite insurance, and employee benefit plans. GriffinEstep Benefit Group Inc. is a partner firm of United Benefit Advisors.

  • Life Insurance
  • Health Insurance

1105 New Pointe Boulevard, Leland, NC 28451
WebsiteLicense: 8032702

Expertise.com Rating

Review Sources

Google
5.0 (63)
Facebook
5.0 (16)
Yelp
5.0 (2)

Why choose this provider?

Franklin Rouse, Jr. has been providing insurance services in Leland, Wilmington, and nearby areas since 2008. He is the owner of Rouse Insurance Agency, Inc., an agency under State Farm, where he leads a team of eight insurance professionals. His office is located across Wal-Mart, right next to Select Bank. Some of the offerings at Rouse's firm include life, home, auto, and business insurance plans. At present, Rouse is a member of the NCDOI Coastal Insurance Taskforce and a board member of the Coastal Property Insurance Pool.

  • Life Insurance
  • Health Insurance

1201 Floral Parkway, Wilmington, NC 28403
WebsiteLicense: 6602376

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
5.0 (5)

Why choose this provider?

Insurance Solutions is a family-owned insurance agency providing life and health insurance coverage to individuals and families in Wilmington since 2002. The company caters to senior clients with Medicare Supplement, Advantage, and Prescription Drug plans. Additionally, it provides personalized employee and worksite benefit programs. Insurance Solutions was established in 2002 with the commitment to forge a long-lasting relationship with its clients. Its team has over 100 years of combined experience in the industry.

  • Life Insurance

5700 Oleander Drive, Wilmington, NC 28403
WebsiteLicense: 1000342114

Expertise.com Rating

Review Sources

Google
5.0 (2)
Facebook
5.0 (2)

Why choose this provider?

Laymon Group is a consulting firm that helps businesses and employees in Wilmington with their consulting or insurance needs. It offers individual plans, which include comprehensive health and life insurance. Additionally, the company offers Medigap health insurance policies, which cover the gap between Medicare and the individual's payments. It also helps businesses with cost containment, compliance, billing reconciliation, HR communication, and plan design consultation. Laymon Group has been in the consulting and employee benefits business since 1989.

  • Life Insurance
  • Health Insurance

929 South College Road, Wilmington, NC 28403
WebsiteLicense: 1000358942

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

Barber Insurance Group handles the insurance needs of individuals, families, and businesses in Wilmington and other nearby communities. Its owner, Craig Barber, has worked in the insurance industry for over 20 years. It customizes insurance packages that are fit for the unique needs of North Carolina residents. The agency's personal line includes life, home, renters', and umbrella insurance. It also handles coverage for automobiles, boats, yachts, RVs, and classic cars. In addition, it provides small business insurance to various industries.

  • Life Insurance

7658 Market Street, Wilmington, NC 28411
WebsiteLicense: 1000006221

Expertise.com Rating

Review Sources

Yelp
1.0 (1)

Why choose this provider?

BlueChip NC is a life insurance provider and advisor that has branches in Wilmington, Charlotte, and Kernersville. It offers a wide variety of individual and family life insurance plans, including final expense, long-term care, and mortgage protection coverages. The company also works with businesses to provide group life insurance plans for their employees. It also has a comprehensive array of choices in health insurance and other group benefits for employees. BlueChip NC is a family-owned firm staffed by experienced captive agents.

  • Life Insurance
  • Health Insurance

720 Market Street, Wilmington, NC 28401
WebsiteLicense: 6597624

Expertise.com Rating

Review Sources

Google
4.0 (97)
Facebook
4.2 (5)
Yelp
5.0 (1)

Why choose this provider?

Heinberg and Major Auto Insurance is an insurance agency that specializes in property and liability insurance. The agency has offices in Henderson, Wake Forest, and Wilmington. It can help clients get a varied array of insurance policies, ranging from life and long-term care insurance to dwelling fire and landlord insurance. Clients commend the agency's staff for conveying to the client their available insurance options clearly and for sending reminders when their insurance payment is due through emails and text messages.

  • Life Insurance
  • Health Insurance
  • Long Term Care

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Brad Sizemore Insurance Agency
4922 Randall Parkway, Wilmington, NC 28403
Jas-Insurance Group
904 S College Rd, Wilmington, NC 28403
Atlantic Coast Insurance Agency
110 Village Road Northeast, Leland, NC 28451
Archer Insurance Group
4006 Oleander Drive, Wilmington, NC 28403
Wade Associates
1900 Eastwood Road, Wilmington, NC 28403
Pinnacle Benefits Group Of North Carolina LLC
P.O. Box 7606, Wilmington, NC 28403
FinPoint Insurance Group
1613 Military Cutoff Road, Wilmington, NC 28403
David Ward
4818 New Centre Drive, Wilmington, NC 28403
Cross Roads Insurance
4555 Fountain Drive, Wilmington, NC 28403
Don Bullard Insurance
4709 Oleander Drive, Wilmington, NC 28403
Davis Insurance Group
5041 New Centre Drive, Wilmington, NC 28403
Sheally Insurance Group
34 Covil Ave, Wilmington, NC 28403
GriffinEstep Benefit Group Inc.
2528 Independence Boulevard, Wilmington, NC 28412
Franklin Rouse Jr
1105 New Pointe Boulevard, Leland, NC 28451
Insurance Solutions
1201 Floral Parkway, Wilmington, NC 28403
Laymon Group
5700 Oleander Drive, Wilmington, NC 28403
Barber Insurance Group
929 South College Road, Wilmington, NC 28403
BlueChip NC
7658 Market Street, Wilmington, NC 28411
Heinberg Major Auto Insurance
720 Market Street, Wilmington, NC 28401

FAQs

  • Why do Wilmington residents apply for life insurance policies?

    Wilmington residents frequently apply for life insurance policies to protect their families from future financial losses. A life insurance investment can assist an individual's beneficiaries in meeting expenses such as college tuition, utility bills, mortgage payments, and funeral expenses. Cash value policies can also earn interest, which can be used to supplement retirement savings.

  • Can you still receive term life insurance payouts after exceeding your policy conditions in Wilmington?

    No, you cannot receive term life payouts in Wilmington after exceeding your policy conditions. Individuals who are insured, on the other hand, have the option of renewing their policies before they expire. This allows them to keep any potential benefits until their term ends. Those who do not want to extend their coverage can buy permanent life insurance through cash value accounts.

  • Is there a grace period for Wilmington residents who need to pay life insurance premiums?

    Yes, Wilmington residents who are required to pay life insurance premiums have a grace period. Policyholders in North Carolina can pay their premiums within 31 days of the due date, according to the North Carolina Department of Insurance. Individuals are protected from coverage lapses and other insurance penalties as a result of late payments.

  • What is the usual timeline for getting life insurance payments in Wilmington?

    The typical time frame for receiving life insurance payments in Wilmington is 30 days. Individuals' claims processes may take longer at times because providers may need more time to investigate an insurance request before making life policy payments. Death benefits that are not paid within 30 days may also accrue interest.

  • How do insurance underwriters calculate life insurance premiums in Wilmington?

    Life insurance costs are calculated by reviewing an individual's health information. In Wilmington, different criteria are used to assess the risk of a future policyholder. Pre-existing health conditions, lifestyle choices, and age range are all factors that providers consider when underwriting. They can also consider a person's chosen insurance endorsements before determining premium costs.

  • 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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