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Best Life Insurance Companies in North Dakota

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 Dakota 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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11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

North Dakota

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (1)

Why choose this provider?

Wright Insurance Agency provides services to clients across the state of North Dakota. It offers life insurance products covering the future needs of clients and their families. It also carries health and Medicare insurance, focusing on securing clients' finances for unexpected medical treatments and expenses. In addition to life and health, the agency handles homeowners, auto, and commercial insurance products. One of the company's owners, Erica Zillmer, specializes in crop insurance products to help farmers protect their investments.

  • Health Insurance
  • Life Insurance

North Dakota

Expertise.com Rating

Review Sources

Google
5.0 (20)
Facebook
4.7 (13)

Why choose this provider?

Clare Messmer works under the Nodak Insurance Company's banner and offers life assurance products to residents of North Dakota. The plans include whole life, universal, and term contracts to cushion families' burdens in the event of the insured party's injury or death. Investment options are available for retirement planning and college preparation. The company also delivers estate planning solutions. Clare Messmer has been with Nodak since 2013 and was president of the Richardton Health Center Board of Directors.

  • Individual Plans

North Dakota

Expertise.com Rating

Review Sources

Google
4.7 (15)
Facebook
5.0 (9)

Why choose this provider?

Kramer Agency provides services to individuals, families, and business owners in North Dakota. It offers life insurance policies that help clients prepare for the future needs of their loved ones after their death. These life insurance products allow policyholders' families to receive funds for their lifestyle needs and debt payments. The agency's team also serves clients wishing to apply for insurance products that protect their homes, businesses, motorcycles, cars, condominium units, and boats. Kramer Agency has been operating for more than five decades.

  • Life Insurance

North Dakota

Expertise.com Rating

Review Sources

Google
4.3 (6)
Facebook
5.0 (5)

Why choose this provider?

First Western Insurance is an independent agency offering protection solutions to individuals in North Dakota. It provides life insurance plans such as universal, term, whole life, and annuities. Its staff of agents guides clients in choosing from various options that best suit their needs. The staff has more than 200 years of combined experience in the industry. In addition, these agents assist clients in filing claims and updating their policies. They support community causes like 100 Cheers and Hope Blooms.

  • Health Insurance
  • Life Insurance

North Dakota

Expertise.com Rating

Review Sources

Google
5.0 (9)
Facebook
5.0 (6)

Why choose this provider?

BBH Insurance provides risk protection options to residents, farmers, and businesses in North Dakota. The agency offers several policies covering life, long-term care, and individual or group health. Additionally, its team provides insurance solutions for properties, auto, agricultural fields, enterprises, and commercial fleets. It works with multiple carriers such as MetLife, Progressive, Continental Western Group, Allstate, and Farmers Alliance. BBH Insurance is an independent brokerage firm that has been in service for over three decades.

  • Life Insurance

North Dakota

Expertise.com Rating

Review Sources

Google
4.6 (18)

Why choose this provider?

Price Agency Inc. provides insurance services throughout North Dakota. It guides individuals in applying for life insurance policies, including whole, universal, and term. It also offers long-term care insurance products focusing on securing clients' finances to help provide for their future nursing home or assisted living expenses. The agency's team members are also available to serve grandparents who wish to have their grandchildren's college funds insured. Price Agency represents several insurance carriers, including Foremost, Farmers Alliance, Safeco, and Progressive.

  • Market Place

North Dakota

Expertise.com Rating

Review Sources

Facebook
4.8 (15)
Google
5.0 (8)

Why choose this provider?

Pinnacle Employee Benefits serves the North Dakota community by assisting clients in finding the best life insurance products for their needs. It is dedicated to providing life insurance and retirement plans that protect individuals, families, and businesses from financial losses in exchange for regular premium payments. John Carlson, the CEO, has been helping business owners with employee benefit packages and succession plans for over 15 years. Pinnacle Employee Benefits currently has two offices in Minot and Bismarck.

  • Health Insurance
  • Life Insurance

North Dakota

Expertise.com Rating

Review Sources

Google
5.0 (2)
Facebook
5.0 (1)

Why choose this provider?

Bickett Insurance Agency, Inc., serves North Dakota-based individuals and enterprises from different industries. Its principal life insurance products include term, which can be decreasing or level, and permanent. Its team assists clients in applying for long-term care insurance that helps those who require daily assistance to perform activities pay for services. Non-life insurance policies cover automobiles, homes and renters, and several types of businesses, including contractors, farms, liquor, manufacturing, and restaurant. Bickett Insurance Agency offers online tools for clients requesting to report a claim, request a certificate, or download forms.

  • Life Insurance

North Dakota

Expertise.com Rating

Review Sources

Facebook
4.7 (17)
Google
4.6 (10)

Why choose this provider?

Western Agency is an insurance company serving individuals and families in communities in North Dakota. It offers a variety of policy options, such as life, recreation, auto, and home. It is affiliated with various carriers such as EMC Insurance, Foremost Insurance Group, MetLife, and Farmers Mutual of Nebraska. Western Agency has given back to the community by donating close to $2 million in sponsorships, community event support to towns, collegiate scholarships, and sponsorships. Its local offices include Eden, Aberdeen, Oakes, Dickinson, Bottineau, and Minot.

  • Life Insurance

North Dakota

Expertise.com Rating

Review Sources

Google
4.6 (32)

Why choose this provider?

Professional Insurance Services, Inc. is a Bismarck-based agency that offers its services and policy options in North Dakota. Its staff screens a comprehensive selection of term, whole, and universal life insurance plans from at least 30 known providers, including Aetna, United Healthcare, and Mutual of Omaha. Its options provide varying scopes of coverage for funerary expenses, income replacement, and financial support for a decedent's beneficiaries. Each choice also extends over specific term durations that are tailored to match a client's financial means and changing needs.

  • Health Insurance
  • Life Insurance

North Dakota

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Dakota Capital Life Insurance provides financial instruments that help individuals protect their family's future. It assists North Dakota clients at every stage in life in securing insurance programs such as term, whole, and children's life. Its agents guide clients in choosing from different term options and adding coverage for critical illness and annuities. The company was founded in 2012 and has over $150 million in total insurance coverage in force and more than 100 producers.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Wright Insurance Agency
509 Main St, North Dakota, ND 58433
Clare Messmer
2717 3rd Ave W, North Dakota, ND 58601
Kramer Agency
232 W Century Ave., North Dakota, ND 58503
First Western Insurance
2105 16th St NW, North Dakota, ND 58702
BBH Insurance
408 S Main, North Dakota, ND 58784
Price Agency Inc.
683 State Avenue, Suite D, North Dakota, ND 58601
Pinnacle Employee Benefits
710 31st Avenue Southwest, Suite 3, North Dakota, ND 58701
Bickett Insurance Agency, Inc.
320 Highway 281 NE, North Dakota, ND 58421
Western Agency
606 Main St. Ste 1, North Dakota, ND 58318
Professional Insurance Services Inc.
1155 Burlington Drive Suite A, North Dakota, ND 58504
Dakota Capital Life Insurance
107 W Main Ave #325,, North Dakota, ND 58501

FAQs

  • 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.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

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