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Best Life Insurance Companies in Fayetteville

2023

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Website
5412 Raeford Rd Ste B, Fayetteville, NC 28304

Why choose this provider?

Total Insurance Center in Fayetteville, founded in 1983, is a premier insurance agency that represents dozens of insurance carriers, including those that write life and health insurance policies. For more than 30 years, its licensed insurance agents have strived to help customers find the most affordable and best coverage options. Its life insurance offerings include whole life, term life, and variable life insurance options. Its health insurance lines include individual health insurance, short-term medical plans, dental plans, and vision plans. Additional insurance coverage options from Total Insurance Center include auto, motorcycle, boat, and RV insurance and business insurance.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2615 Raeford Rd, Fayetteville, NC 28303
  • Life Insurance

Why choose this provider?

Ethan Gardner is a State Farm insurance agent serving clients in Fayetteville and the surrounding areas. He offers several types of life insurance policies, including term life and whole life insurance. His agency also offers insurance products for cars, homeowners, renters, and condominiums. Ethan has been in the insurance industry since 2013. His team of insurance agents is committed to assisting clients in recovering from the unexpected and realizing their dreams by helping them manage everyday risks.

License Verified:

License: 16717962

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (74)
Facebook
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4011 Sycamore Dairy Road Suite 107, Fayetteville, NC 28303
  • Life Insurance

Why choose this provider?

Jaime Shannon is an insurance agent offering life insurance products in Fayetteville. She guides clients in making the right decision when getting life insurance. With her guidance, customers could pick the best among whole life, term life, or universal life coverages to secure their future. Shannon also offers auto, homeowners', and renters' insurance products. Shannon, who has been a State Farm agent since 2003, has served in the US Army as NCO for over six years.

License Verified:

License: 7124883

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (112)
Facebook
4.7 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3820 Raeford Rd, Fayetteville, NC 28304

Why choose this provider?

Based in Fayetteville, the Insurance Service Center, founded in 1975, offers a range of insurance services for its clients, including life insurance. This independent locally owned insurance agency has established relationships with more than 10 life insurance companies, and it leverages those relationships to tailor policies that meet the unique needs of families and individuals, with an eye toward getting the most cost-effective policy for each customer. In addition to life insurance, this Trusted Choice company also sells disability income insurance, long-term care insurance, annuities, and umbrella insurance. Other polices include homeowners, auto, and rental property coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3007 Fort Bragg Rd, Fayetteville, NC 28303

Why choose this provider?

Fayetteville-based Darden, Miranda & Associates Insurance is a local independent insurance company offering a range of policies, including life and health coverage. Founded in 1948, the agency works with an array of insurance carriers to help clients get the type of needed policy and the right level of coverage to match their situations and needs. Individual and family health insurance, disability insurance, and dental insurance policies are available. The company also sells individual life insurance coverage, including term, universal life, and whole life formats. Additional products offered by the agency include auto, home, and personal insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (16)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
3543 Kelburn Drive, Fayetteville, NC 28311
  • Life Insurance

Why choose this provider?

Steven W. Maier is a financial service professional who assists clients in Fayetteville and throughout North Carolina in getting insurance products. The New York Life agent informs individuals about the protection they can get from life insurance policies. He explains plans such as whole life insurance, which has a cash value that can supplement retirement incomes. He directs them in making informed decisions about long-term care and investments. He works with other carriers in providing group and individual health policies.

License Verified:

License: 2185495

North Carolina Department of Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
639 Executive Pl Fl 3, Fayetteville, NC 28305

Why choose this provider?

AAFMAA, or the American Armed Forces Mutual Aid Association, serves the military community, including veterans and military spouses, exclusively, offering life insurance and other insurance products. Founded in 1879, this nonprofit agency has more than 140 years of compassionate help for those it serves and now offers traditional term life, simple term life, and renewable term life policies. In addition, it offers permanent or whole life policies, including value-added, ANNUITYLife, and WealthBuilder life insurance coverage. Additional plans include Veteran Survivor Plans and Generations Plus coverage. Other AAFMAA products include mortgages, wealth management, investment management, trust services, and financial planning.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.0 / 5 (62)
Yelp
5.0 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
134 North McPherson Church Road, Fayetteville, NC 28303

Why choose this provider?

Located in Fayetteville, Hurley Insurance Group is an independent and locally-owned family business that has been operating since 1986. They are also licensed in South Carolina, Virginia, Georgia, Maryland, and Tennessee. Hurley Insurance Group is focused on providing full-service auto insurance, including policies for motorcycles, RVs, and boats; renters' insurance, business insurance, and life insurance policies. With years of exposure in the industry, they take pride in providing positive customer assistance and immediate responses at all times.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (32)
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6040 Cliffdale Rd., Fayetteville, NC 28314
  • Life Insurance
  • Health Insurance
  • Home and Auto Insurance

Why choose this provider?

Thomas Owen is a State Farm insurance agent that has been serving the insurance needs of Fayetteville individuals and families since 2011. Owen provides life insurance plans that help clients maintain their current standard of living, keep the mortgage paid, pay for college, or pay off debts. He offers a term life insurance that protects policyholders for a specific period. Its term insurance benefits include a death benefit with no cash value. Permanent life insurance plans are also available.

License Verified:

License: 16503069

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (101)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
921 South McPherson Church Road, Fayetteville, NC 28303

Why choose this provider?

Independent Insurance Group, Inc., has been serving North Carolina locals in the Fayetteville area since 1992. It offers a broad range of insurance products—from home and auto coverage to travel protection and annuities—and represents a wide network of carriers, including Aetna, MetLife, and Zurich. Jim Mozingo, its founder and president, has been in the industry since 1985 and is a Fredrick W. Joyner Distinguished Service Award recipient. He built the agency with the goal to combine accounting and financial expertise with years of insurance knowledge.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (9)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8175 Cliffdale Rd Suite 106, Fayetteville, NC 28314
  • Life Insurance
  • Individual Plans
  • Group Plans

Why choose this provider?

Townes Insurance Agency is a veteran-owned and veteran-operated business serving the Fayetteville community. It offers a wide range of life insurance product options, including individual, group, long-term care, disability, and mortgage protection. Its team helps clients review their options to secure the future of their finances and beneficiaries, whether they are looking for temporary or permanent insurance policies. The agency also provides insurance products for homes, powersports vehicles, and businesses. It partners with multiple insurance carriers such as Progressive, Dairyland, and Hagerty.

License Verified:

License: 6554541

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.3 / 5 (8)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
111 Lamon St, Fayetteville, NC 28301

Why choose this provider?

Al Kerr Insurance and Associates is a health insurance company in Fayetteville, founded in 1975. This friendly local insurance agency works to help customers find the best life insurance and health insurance plans on the market through its affiliations with several national companies. It offers a range of life insurance products, and it helps families and individuals protect themselves with affordable and comprehensive health insurance policies along with dental coverage and disability insurance. Additional products available from Al Kerr Insurance and Associates include homeowners, mobile home, motorcycle, auto, and travel insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1010 Hope Mills Road, Fayetteville, NC 28304

Why choose this provider?

East Coast Insurance Services is an independent agency located in Fayetteville. It provides a variety of products, such as homeowners'; auto, boat, ATV, and power sports; business, workers' compensation, and commercial umbrella insurance policies. The company is proud of upholding its core values, like integrity, service, commitment, and trust. Its owner and operator, Joe Barge, is a Certified Insurance Counselor who has completed five exams and 120 hours of classroom practice.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.0 / 5 (166)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
3102 North Main Street, Hope Mills, NC 28348
  • Life Insurance

Why choose this provider?

Cross Creek Insurance, Inc. is an independent insurance agency that provides insurance solutions for residents in Fayetteville, Raeford, and Hope Mills. It comprises insurance agents with in-depth knowledge about the different life insurance products from various carriers, including The Hartford, Travelers, National General, and Foremost. The team offers term life and whole life insurance policies. Its whole life policy has a cash value component, while the term life plan protects clients in a predetermined number of years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
205 N Eastern Blvd, Fayetteville, NC 28301

Why choose this provider?

Ai Insurance Agents Inc., a life insurance company in Fayetteville, sells a range of insurance products. Some carriers in Ai Insurance Agents Inc. portfolio include The Hartford, Liberty Mutual Insurance, Aflac, First Benefits Insurance Mutual, Hospital Insurance Group, and UnitedHealthcare. Its life insurance coverage offerings include whole life, universal life, variable life, term life, and final expense policies. Its health insurance portfolio includes carriers that write disability insurance and long-term care insurance. Both short- and long-term disability policies are available. The company also sells business and commercial insurance and policies for home and auto.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
201 Hay Street, Fayetteville, NC 28301

Why choose this provider?

Olde Fayetteville Insurance & Financial Services, Inc., is an independent agency working with more than 30 health and life insurance carriers. It caters to individuals, families, and businesses in the Fayetteville metro and offers a full range of insurance plans. These include life, health, disability, car, and homeowners' insurance. Its team of insurance agents also handles business insurance policies, such as workers' compensation, retirement planning, and self-funded employee benefit plans. The company also serves other areas like Raleigh and Durham.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (8)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5310 Yadkin Road, Fayetteville, NC 28303
  • Life Insurance
  • Health Insurance

Why choose this provider?

The Insurance Guy is a company that provides life insurance products to individuals who are looking for comprehensive coverages and policies to secure their future. Located in Fayetteville, the company covers term insurance and whole life plans and deals with annuities and health insurance policies with employers. It also offers home, auto, and commercial insurance policies. Jerome Scott, the company's head, has been providing his services in North Carolina for more than three decades. He is affiliated with the United Way Board and the Partnership For Children Board.

License Verified:

License: 6550416

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.9 / 5 (18)
Google
4.5 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
129 Franklin St, Fayetteville, NC 28301

Why choose this provider?

Callahan & Rice Insurance Group Inc. is a life insurance company in Fayetteville that offers health and life insurance options for individuals and groups. Founded in 1966, this local insurance agency is staffed by dedicated, qualified insurance agents to help clients choose the right coverage types and policies for themselves and their families. Term and permanent life insurance policies are available, and this Trusted Choice agency works closely with clients to help them navigate the Affordable Care Act and available health policies. Other offerings from Callahan & Rice Insurance Group Inc. include auto and homeowners policies and commercial/business insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (7)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7137 Raeford Road, Fayetteville, NC 28304

Why choose this provider?

Ann McLeod is a homeowners insurance agent that serves clients in Fayetteville. She is dedicated to protecting her client's property from unpredicted events. She ensures that the clients can repair or replace their homes. Her home insurance policy covers the property in cases when the clients are on vacation or simply running errands. Ann also specializes in auto, life, health, and business insurance as well as protecting the client's valuable items which can include jewelry, collectibles, and sports equipment.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

  • When can you use your Fayetteville universal life insurance policy's cash value?

    The cash value of your Fayetteville universal life insurance policy can be used to pay for healthcare expenses, nursing home care, a mortgage, a second home, a child's education, and retirement income. Because universal life insurance policies are tax-deferred, you will not pay taxes on the increase in cash value. You can also borrow your cash value at any time, and the money is tax-free.

  • What choices do you have at the end of your term life policy in Fayetteville?

    The available alternatives in Fayetteville after your term life insurance policy expires are as follows:

    • Terminate, if you no longer desire life insurance coverage.
    • Renewal, if you wished to extend your policy for a new term with the same benefit level.
    • Convert to a permanent policy, which enables you to change your term life insurance into a lifetime policy that will provide the same benefit.

  • Can a convicted felon purchase life insurance in Fayetteville?

    Yes, even a convicted felon in Fayetteville can obtain life insurance. However, a felon's options for life insurance will be more constrained. Additionally, they need to meet specific requirements in order to be eligible for traditional life insurance plans, such as they are not convicted on a violent crime, their conviction happened at least 10 years ago, and they haven't been placed on parole or probation for more than 10 years.

  • Is it feasible to obtain life insurance in Fayetteville while you are pregnant?

    Yes, it is possible to obtain life insurance in Fayetteville while pregnant. Buying life insurance while pregnant ensures financial security for your growing family in the event of your death. Making your closest family members the beneficiaries of your life insurance will assist them with your final expenses and may even compensate for lost earnings.

  • How will having high cholesterol affect the cost of your life insurance in Fayetteville?

    Fayetteville life insurance companies consider your medical history when calculating your premium. If you are deemed a high risk person due to having high cholesterol, your life insurance premium will be higher. If your cholesterol is particularly high, is not well controlled by medication, or you have other health problems, you may be denied coverage.

  • 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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