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Best Life Insurance Companies in Raleigh

2023

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Website
222 North Bickett Boulevard, Louisburg, NC 27549
  • Life Insurance

Why choose this provider?

Triangle Risk Advisors Inc. is an independent insurance agency that serves the Raleigh area. Its personal line of products includes individual life, long-term care, long-term disability, umbrella, and flood insurance. The full-service agents have access to a wide range of policy options from providers such as Allstate, Auto-Owners, Erie, and The Hartford. J.M. Dickens, one of Triangle Risk Advisors' two principals, holds multiple industry designations such as Certified Insurance Counselor, Certified Insurance Service Representative, and Agribusiness and Farm Insurance Specialist.

License Verified:

License: 10858320

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 (94)
Facebook
5.0 / 5 (11)
Yelp
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
500 E Davie St Suite 140, Raleigh, NC 27601

Why choose this provider?

Unlike a captive, or direct insurance company who only offers their own proprietary products, Oak City Insurance is 100% independent of any one company. Many insurance consumers don’t fully understand just how important that really is. We shop over 20+ insurance carriers to find the best rates in the marketplace for Homeowners and Auto insurance but more importantly, made sure they were covered correctly and were able to increase their coverage in most cases!

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 (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
4104 Atlantic Ave Ste 142, Raleigh, NC 27604

Why choose this provider?

Capital Insurance Agency of Raleigh LLC is a well-established life insurance company in Raleigh that helps the residents and businesses of the surrounding communities manage risk by tailoring policies underwritten by multiple insurance carriers. Its agents talk clients through the best types of policies for their coverage needs, such as term life for those who want to pay off their mortgage within a fixed time, and permanent life, providing the policyholder cover throughout their life.

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
4.7 / 5 (19)
Facebook
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
8480 Honeycutt Rd Ste 200, Raleigh, NC 27615

Why choose this provider?

Senior Benefit Alliance specializes in providing life and health insurance policies that deliver comprehensive coverage at competitive rates. It's an independent agency serving the Raleigh metro area. It can offer term life protection that pays out if the client passes away during the term, whole life protection that offers an element of investment, and universal life insurance that lets the holder move money between the insurance and savings components of the policy.

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)

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
1009 Bullard Court, Raleigh, NC 27615
  • Life Insurance

Why choose this provider?

Carolina Capital Insurance Group is a life insurance agency that serves clients from Raleigh and nearby areas. The firm provides a variety of life insurance options including whole, term, and universal. There are other insurance policies and coverages as well, such as for vehicles, businesses, homeowners, and workers' compensation. Carolina Capital Insurance Group has partnered with some of the top insurance carriers like Blue Cross Blue Shield Association and Lincoln Financial Group. The firm has been operating since 2003.

License Verified:

License: 1000081888

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.
4.0
Google
4.0 / 5 (108)
Yelp
4.0 / 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
7478 Creedmoor Rd, Raleigh, NC 27613

Why choose this provider?

Brightway Insurance is a division of The Osborne Agency, an independent insurance company based in Raleigh, serving individuals and families throughout the surrounding cities. The agency isn't tied to one carrier, enabling its agents to search hundreds of policies from many of the biggest insurance providers in the country, looking for the policy that best suits their client's needs. The agents also provide unbiased advice, talk clients through their policy's benefits, and assist during the claim process.

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 (56)
Google
5.0 / 5 (34)
Yelp
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
6512 Fix Forks Rd Ste 503B, Raleigh, NC 27615

Why choose this provider?

Triangle Life and Health in Raleigh sells life and health insurance policies from top insurance carriers around the nation. It works with clients to help them find the best rates on needed insurance by comparing quotes from its partner network members. Life insurance and health insurance policies are both available, with a focus on plans for Medicare Parts A, B, C, and D and Medigap. Some insurers in the agency's network include Aetna, Humana, AIG, Prudential, and UnitedHealthcare.

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8470 Falls of Neuse Rd Ste 206, Raleigh, NC 27615

Why choose this provider?

Founded in 1980, the Crismond Insurance Group is a Raleigh-based life insurance agency licensed to sell insurance in North Carolina, Maryland, and Virginia. The agency specializes in providing policies from Erie Insurance. Its agents give a one-on-one service, helping clients identify their coverage needs and finding policies that meet them. This could be mortgage protection for new homebuyers, final expenses for older clients, or an investment opportunity for someone nearing retirement.

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3101 Stony Brook Dr, Raleigh, NC 27604

Why choose this provider?

The Insurance Centers.com is an award-winning life and health insurance company in Raleigh, with five additional locations serving the entire state. It has more than a quarter of a century of experience helping individuals and families get coverage that protects them from the burdens of funeral expenses and medical care, and the unexpected costs of mortgage payments while being unable to work. The company's agents communicate fluently in English and Spanish.

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 (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
708 Umstead Ln, Garner, NC 27529

Why choose this provider?

Since it opened in 1991, Blinson Insurance Center has provided independent services and impartial advice to clients throughout North Carolina. The agency compares products from multiple carriers, including Dairyland and Hanover, while specializing in Erie Insurance products. These include term life, a low-cost way of getting maximum coverage during the policy's term, which can be anywhere from five to 20 years. The agency's universal life policies are a useful way of getting coverage while also developing a long-term investment.

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 (22)
Facebook
5.0 / 5 (9)

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
2301 Stonehenge Dr Ste 205, Raleigh, NC 27615

Why choose this provider?

Edwards Insurance Group in Raleigh is a team of licensed, experience independent agents with more than 33 years of experience in the insurance sector. The agency primarily offers four life insurance products for its customer base, including conventional life insurance in term or whole life format, fixed annuities, and mortgage protection insurance, a type of life insurance that is only in effect while customers pay off their home loans. In addition, the business sells home and auto 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
Yelp
5.0 / 5 (22)
Facebook
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

Website
4913 Professional Ct Ste 213, Raleigh, NC 27609

Why choose this provider?

Dave and Michele are licensed insurance agents based in Raleigh. They specialize in life and health insurance, aren't tied to one carrier and have many years of experience providing impartial advice. They also ensure clients fully understand their level of coverage. The agents can arrange policies for many needs, such as covering the shortfalls in Medicare, funeral expenses, and long-term care. They also specialize in designing group life insurance plans.

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 (22)
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
421-114 Chapanoke Road, Raleigh, NC 27603
  • Life Insurance
  • Health Insurance

Why choose this provider?

Amistad Insurance Services is a locally founded insurance company that delivers a variety of personal and business insurance policies to clients in Raleigh and nearby areas. The firm assists individuals in safeguarding the financial future of their loved ones with a life insurance plan. Its independent insurance agents possess over two decades of experience in helping clients choose the right coverage that best suits their needs. The company offers term life and permanent life insurance policies. It also caters to Spanish-speaking communities.

License Verified:

License: 1000355805

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.
4.0
Google
4.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5535 Western Boulevard, Raleigh, NC 27606
  • Life Insurance

Why choose this provider?

Choice Insurance Services has been serving Raleigh and the surrounding areas since 2002. It provides individuals with life insurance for future financial security. Moreover, the company's insurance agents have over three decades of cumulative experience in the business. They have the industry expertise to offer home, auto, and business insurance options. They also offer coverage for boats, motorcycles, and recreational vehicles. Choice Insurance Services is affiliated with several insurance carriers, such as Foremost Insurance Group, MetLife, and Progressive.

License Verified:

License: 1000003314

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.
4.4
Google
4.0 / 5 (9)
Facebook
5.0 / 5 (4)
Yelp
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4020 Barrett Dr Ste 201, Raleigh, NC 27609

Why choose this provider?

Serving clients for more than 30 years, Jackson-Whaley-Vreeland Agency Inc. is a life insurance agency in Raleigh. Its team is dedicated to providing clients with honest service and quality insurance products from a variety of providers. This independently owned and operated brokerage is focused on personal insurance products, including life insurance. Offerings include term, whole, and universal policies. Other available types of insurance including auto, home, business, and pet policies.

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
4.5 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
8307 Six Forks Rd Ste 203, Raleigh, NC 27615

Why choose this provider?

A Jackie Dees Insurance Agency is a Raleigh-based company that specializes in offering products from Erie Insurance while also having the independence to provide clients policies from other carriers. Its agents can help manage many forms of risk, such as offering term life policies that will pay off a mortgage within an agreed period and whole life policies that will leave the holder's loved ones with financial support after they're gone.

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 (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
3801 Computer Dr Ste 107, Raleigh, NC 27609

Why choose this provider?

Anglins Insurance Group is a life insurance company in Raleigh. It specializes in providing individuals with life, auto, and home insurance, and businesses with liability cover. The agency is independent, freeing its agents to compare the quotes from multiple insurance carriers and to provide clients with impartial advice. Its agents can assess and arrange term life and permanent life policies, covering needs as diverse as mortgage protection and generating income in retirement.

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 (22)
Facebook
5.0 / 5 (2)
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Frequently Asked Questions

  • What are the differences between having a whole life and universal life insurance in Raleigh?

    Though whole life and universal life are both permanent insurance types, there are differences in their purpose and value. Whole life insurance provides a guaranteed set of benefits, such as death and cash value. You may also earn non-guaranteed dividends, which you can use to pay your premium. Universal life insurance, on the other hand, is a more flexible policy where you can make adjustments to your coverage according to your needs.

  • Will you be given time to review your policy in Raleigh and ask for a refund if you find your policy unsatisfactory?

    Yes. Insurance companies in Raleigh are required to provide their clients with a "free look" period where the policy can be reviewed without incurring extra fees. There is a 10-day free-look policy on new insurance coverage and a 20-day period for renewals and replacement policies. You may return the policy if you find it lacking in coverage and get a full refund of your initial payment.

  • If an insured in Raleigh commits suicide, will the insurance company still award the benefits?

    In the unfortunate event that an insured person in Raleigh commits suicide, insurance companies can still provide the benefit of the life insurance policy of the insured. However, if the self-inflicted death occurred within the two-year suicide clause, only the amount of the premiums paid will be given to the family.

  • Can you borrow money from your life insurance policy in Raleigh?

    Yes, you are allowed to borrow cash from your life insurance policy in Raleigh. If you have a permanent life coverage, you may loan up to the maximum loanable amount of your policy. You may also use your policy's cash value as loan collateral. However, in the event that you pass away, remaining loans will be deducted from the policy benefit.

  • Do you need to pay taxes on your life insurance benefits in Raleigh?

    No. Generally, you do not have to shoulder any taxes when you or your family have been awarded your life insurance benefits in Raleigh. However, there are exceptions to this rule. For example, when the policy owner and the insured person are two different entities, the death benefit may be subjected to an estate tax. You may also have to shoulder income tax on each of your premium payments if you are on a monthly installment payment plan.

  • 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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