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Best Life Insurance Companies in North Carolina

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2023
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Business Insurers of the Carolinas logo
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Business Insurers of the Carolinas

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501 Eastowne Drive Suite 250, North Carolina, NC 27514
  • Health Insurance
  • Life Insurance

Business Description

Business Insurers of the Carolinas serves individuals, families, and entrepreneurs in North Carolina. It offers variable, whole, universal, and term life insurance plans. Its policies enable individuals to maintain their businesses, children's education, and families' standard of living long after their deaths. It also offers health, auto, farm and ranch, and professional liability insurance. The agency provides clients with multiple options by partnering with a wide range of insurance companies, including The Hartford, Chubb, CNA, and Summit.

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.
4.6
Google
4.4 / 5 (27)
Facebook
4.9 / 5 (20)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Carolina Insurance Group logo
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Carolina Insurance Group

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125 Timber Drive Suite 105, North Carolina, NC 27529
  • Life Insurance

Business Description

Carolina Insurance Group serves private and commercial clientele throughout North Carolina. Since 2011, the company's insurance professionals have been helping individuals, families, and businesses find and apply for various insurance solutions, from individual life insurance options to coverage plans insuring policyholders from natural disasters like earthquakes and floods. They also help current policyholders update their coverage plans through policy review services. Carolina Insurance Group partners with national-level insurance carriers like Progressive, The Hartford, and National General Insurance to provide the insurance needs of its clients. 

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 (25)
Facebook
5.0 / 5 (16)
Yelp
5.0 / 5 (2)

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
Catawba Valley Insurance Agency logo
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Catawba Valley Insurance Agency

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936 Lenoir Rhyne Blvd SE, North Carolina, NC 28602
  • Life Insurance
  • Health Insurance

Business Description

Catawba Valley Insurance Agency provides North Carolina with life plans. Its aim is to understand its clients’ objectives and offer health and life insurance solutions to help give them peace of mind and financial security. It has universal, term, and whole life policies. Its agents guide people in deciding the right coverage for them and their families. The company also offers annuities that help increase and protect savings and generate income. The company was established in 2000.

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.
4.6
Google
4.6 / 5 (74)
Facebook
4.8 / 5 (19)

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
Colonial Insurance Agency logo
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Colonial Insurance Agency

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103 Millstone Suite A Dr., North Carolina, NC 27278
  • Life Insurance

Business Description

Colonial Insurance Agency serves customers in North Carolina and the surrounding areas who need life assurance products. These options include individual life plans with universal and whole-life coverage. Non-life contracts are available such as business owners, automobile, and general liability policies. Colonial Insurance Agency is an independent establishment that has two physical locations. It has been open for more than five decades and its agents have an average of 18 years of real-world indemnity industry 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.
4.8
Google
4.9 / 5 (74)
Facebook
4.3 / 5 (13)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Creative Insurance Solutions.com logo
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Creative Insurance Solutions.com

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1321 N. Main Street, North Carolina, NC 27526
  • Life Insurance

Business Description

Creative Insurance Solutions is an independent agency serving individuals and families in North Carolina. Its team furnishes various personal lines of insurance and helps clients obtain life protection plans. The company writes customized policies to protect beneficiaries' future in case of policyholders' unexpected death. It also provides health, auto, and recreational toy insurance and works with multiple carriers, including Foremost, Builders Mutual, and Kemper. President Scott Johnson has been an insurance broker for over three decades.

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.
4.6
Google
4.5 / 5 (45)
Facebook
5.0 / 5 (17)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Ganey Byrd & Dunn Insurance Group logo
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Ganey Byrd & Dunn Insurance Group

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1110 New Pointe Blvd, Ste 110, North Carolina, NC 28451
  • Individual Plans

Business Description

Ganey Byrd & Dunn Insurance Group provides various life insurance policies to individuals, families, and businesses in North Carolina. It offers term life for clients who want protection for a specific period and whole life for those who prefer lifetime coverage. It also has universal life insurance that gives permanent protection with flexible premiums. The independently owned and locally operated company additionally offers health, dental and vision, group benefits, homeowners', renters', and auto insurance. President Kim Philips started in the industry by working in her father's agency when she was young.

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
Facebook
4.9 / 5 (20)

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
Jones Insurance Agency logo
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Jones Insurance Agency

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820 Benson Rd., North Carolina, NC 27529
  • Life Insurance

Business Description

Jones Insurance Agency provides life insurance policies to individuals, families, and businesses in North Carolina. It offers term life policies for those who prefer coverage for a specific period and whole-life products for those who want lifetime coverage. The firm also has universal life coverage with flexible premiums for lifelong protection. In addition, it provides health care plans like Blue Medicare Advantage, Supplement, Part D, and Medicaid. Jones Insurance Agency has been in the industry since 1956.

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 (90)
Facebook
5.0 / 5 (33)

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
Knight Insurance logo
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Knight Insurance

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110 Boone Square St., Suite 7, North Carolina, NC 27278
  • No Exam Policies

Business Description

Knight Insurance is a locally owned business that offers risk management solutions for residents throughout North Carolina. Its team comprises insurance experts who offer life insurance policies that are crucial to financially provide for the family in the event of a disaster. Additional products include homeowners', personal and commercial auto, group health, and commercial property insurance plans. Owner and property and casualty agent Glenda Knight has been working in the insurance industry for over 20 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.
4.6
Google
4.8 / 5 (19)
Facebook
4.3 / 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
Piedmont Insurance and Business Group logo
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Piedmont Insurance and Business Group

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316 W. Millbrook Road, Suite 213, North Carolina, NC 27609
  • Health Insurance
  • Life Insurance

Business Description

Piedmont Insurance and Business Group caters to families and individuals in North Carolina. The independent broker offers life insurance products that help clients prepare for unexpected circumstances. Its insurance policy comes in three types: whole, term, and fixed annuity. The agency also has personal, health, and business insurance plans from various carriers, including MetLife, Travelers, and Liberty Mutual Insurance. Its owners, Alan and Phoebe, worked for major national insurance carriers before forming their own agency in 2008.

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 (12)
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
Sloan Insurance logo
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Sloan Insurance

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245 West Main Street, North Carolina, NC 27889
  • Health Insurance
  • Life Insurance

Business Description

Sloan Insurance is a family-owned independent agency that assists North Carolina clients with their life policy concerns. It offers life insurance and estate planning to account for matters after the policyholder's demise. Additionally, it provides plans for clients whose houses are destroyed by calamities, vandalism, and car crash. The agency also has auto insurance which covers bodily injury liability, personal injury protection, collision, and property damage liability. Sloan Insurance has been in the industry since 1950 and works with various companies, such as Hull & Company, The Hartford, and Heritage.

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
Facebook
5.0 / 5 (15)
Google
4.8 / 5 (14)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Tidewater Management Group logo

Tidewater Management Group

7100 Six Forks Rd. Ste. 201, North Carolina, NC 27615
  • Life Insurance
  • Health Insurance

Business Description

Tidewater Management Group provides life insurance products to clients across North Carolina. Its agents furnish whole, term, universal, and final expense insurance, helping policyholders secure their loved ones financially in the event of their passing. They also offer Medicare Supplement and Advantage plans and assist customers in acquiring complimentary insurance with provisions for dental, vision, and hearing care needs. Additionally, the team works with agencies and agents looking for growth opportunities in the industry. Tidewater Management Group has been serving the community since 2006.

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
Google
4.7 / 5 (73)
Facebook
4.9 / 5 (70)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • 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.