Best Life Insurance in North Carolina (November 2024)


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Updated: December 6, 2024

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For men, Nationwide leads as the top life insurance provider with a MoneyGeek score of 97 and a monthly premium of $18. For women, GEICO tops the chart with a MoneyGeek score of 95 and a monthly premium of $14.

While these scores reveal the best companies based on quantitative analysis, selecting the right life insurance policy hinges on various individual factors, such as financial goals, health and coverage needs.

Why Trust MoneyGeek? We analyzed 1,488 life insurance quotes alongside customer satisfaction, financial stability reports, product offerings and more to determine the best life insurance companies in North Carolina.

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Coverage costs and company information for life insurance providers were updated in May 2024.

1,488Quotes Analyzed
 
14Companies Compared
 
50ZIP Codes

Best Life Insurance in North Carolina: Summary

Data filtered by:Results filtered by:
Category:
Category:Best Life Insurance Overall
Gender:
Gender:M
Nationwide197
GEICO297
Mutual of Omaha395
Protective494
State Farm593
Allstate692
Haven792
Transamerica892
Prudential991
AAA1089

Overall Best Life Insurance in North Carolina

How was this MoneyGeek score calculated?

For both men and women seeking the best life insurance in North Carolina, Nationwide emerges as the top provider. With a MoneyGeek score of 97 for men and a score of 95 for women, Nationwide stands out for its well-rounded offerings. The monthly premium for men is $18, while for women it's $17.

The top three highest MoneyGeek scores are:

  • Nationwide: MoneyGeek score of 97 out of 100 ($18 per month for men and $17 for women)
  • GEICO: MoneyGeek score of 96 out of 100 ($14 per month for men and women)
  • Mutual of Omaha: MoneyGeek score of 95 out of 100 ($18 per month for men and $15 for women)

Nationwide’s balance of affordability, customer satisfaction and financial stability, along with its top scores, makes it the go-to choice for comprehensive life insurance coverage in North Carolina for both genders.

Overall Best for Men: Nationwide

COMPANY HIGHLIGHTS

Nationwide secures its top position for the best life insurance in North Carolina for men with its stellar overall MoneyGeek score of 97. Offering policies at an accessible monthly premium of approximately $18, it's the go-to choice for value and reliability.

Pros:

  • High customer satisfaction
  • Competitive affordability
  • Diverse insurance product offerings

Overall Best for Women: GEICO

COMPANY HIGHLIGHTS

GEICO stands out as the leading provider of life insurance in North Carolina for women, with an overall MoneyGeek score of 95 and a monthly premium of $14.

Pros:

  • Outstanding customer satisfaction
  • Highly affordable premiums
  • Solid financial stability

Cons:

  • Limited product diversity

Best Term Life Insurance in North Carolina

How was this MoneyGeek score calculated?

Nationwide stands as the preeminent provider for the best term life insurance in North Carolina, securing the top spot for both men and women. With a remarkable MoneyGeek score of 97 for men and 96 for women, the company demonstrates exceptional comprehensive coverage. Male clients enjoy a monthly premium averaging $14, while women benefit from a slightly lower cost of $13 per month.

The top three highest MoneyGeek scores are:

  • Nationwide: MoneyGeek score of 97 out of 100 ($14 per month for men and $13 for women)
  • GEICO: MoneyGeek score of 97 out of 100 ($10 per month for men and women)
  • Mutual of Omaha: MoneyGeek score of 96 out of 100 ($13 per month for men and $11 for women)

Best Term Life: Nationwide

COMPANY HIGHLIGHTS

Nationwide stands out as the leading provider of term life insurance in North Carolina for both men and women. Holding the highest MoneyGeek score of 97, Nationwide offers a monthly premium of approximately $14 for men and $13 for women.

Pros:

  • High customer satisfaction levels
  • Favorable affordability
  • Wide range of product options

Best Whole Life Insurance in North Carolina

How was this MoneyGeek score calculated?

State Farm distinctly leads as the provider of the best whole life insurance in North Carolina, boasting a MoneyGeek score of 99 for both men and women.

The top three highest MoneyGeek scores are:

  • State Farm: MoneyGeek score of 99 out of 100
  • Nationwide: MoneyGeek score of 98 out of 100
  • Mutual of Omaha: MoneyGeek score of 96 out of 100

Best Whole Life: State Farm

COMPANY HIGHLIGHTS

State Farm, with a MoneyGeek score of 99, is the premier choice for the best whole life insurance in North Carolina for both men and women.

Pros:

  • High customer satisfaction
  • Diverse product offerings
  • Strong financial stability

Compare Life Insurance Rates

Ensure you're getting the best rate for your life insurance. Compare quotes from top providers to find the most affordable life insurance coverage for your needs.

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Best Universal Life Insurance in North Carolina

How was this MoneyGeek score calculated?

Nationwide is the top-ranked company for the best universal life insurance in North Carolina, earning the highest MoneyGeek score of 99 out of 100 for both men and women.

The top three highest MoneyGeek scores are:

  • Nationwide: MoneyGeek score of 99 out of 100
  • State Farm: MoneyGeek score of 98 out of 100
  • Mutual of Omaha: MoneyGeek score of 97 out of 100

Best Universal Life: Nationwide

COMPANY HIGHLIGHTS

Nationwide stands as the top choice for the best universal life insurance in North Carolina for both men and women, with an impeccable MoneyGeek score of 99.

Pros:

  • High customer satisfaction ratings
  • Excellent affordability for clients
  • Diverse insurance product options

Best No-Medical-Exam Life Insurance in North Carolina

How was this MoneyGeek score calculated?

Nationwide is recognized as offering the best no-medical-exam life insurance in North Carolina for both men and women, garnering a MoneyGeek score of 99.

Other top insurance providers without mandatory medical exams in North Carolina include:

  • Nationwide: MoneyGeek score of 99 out of 100
  • State Farm: MoneyGeek score of 99 out of 100
  • Mutual of Omaha: MoneyGeek score of 97 out of 100

Best for No-Medical-Exam: Nationwide

COMPANY HIGHLIGHTS

Nationwide stands out as the premier choice for the best no-medical-exam life insurance in North Carolina, catering to both men and women. With its MoneyGeek score of 99, it provides a seamless and reliable insurance experience.

Pros:

  • High customer satisfaction levels
  • Affordable premium options available
  • Diverse range of insurance products

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in North Carolina

How was this MoneyGeek score calculated?

Nationwide stands as the preeminent provider of the best term life insurance for seniors in North Carolina, securing the top spot for both men and women with a MoneyGeek score of 97. For men, the monthly premium is approximately $51, while for women, it is around $47.

Nationwide's high MoneyGeek score is indicative of its superior customer satisfaction, affordability and overall service quality.

Best Term Life Insurance for Seniors in North Carolina
Data filtered by:Results filtered by:
Sex:
Sex:M
Nationwide1$5197
GEICO2$4297
Mutual of Omaha3$5096
State Farm4$8894
Protective5$5893
Allstate6$5293
Prudential7$6293
Transamerica8$6092
AAA9$8890
Haven10$9789

Best Term Life Insurance for Smokers in North Carolina

How was this MoneyGeek score calculated?

Mutual of Omaha stands out as the best term life insurance for smokers in North Carolina for both men and women, with a MoneyGeek score of 96 for men and 94 for women. The monthly premium cost is estimated at $28 for men and $25 for women.

The top position of Mutual of Omaha is attributed to its exceptional satisfaction and affordability scores.

Best Term Life Insurance for Smokers in North Carolina
Data filtered by:Results filtered by:
Sex:
Sex:M
Mutual of Omaha1$2896
GEICO1$2596
Nationwide3$3496
Prudential4$2595
State Farm5$3995
Transamerica6$2494
Protective7$4191
Allstate8$3891
Haven9$5090
AAA10$5289

Best Term Life Insurance for Young Adults in North Carolina

How was this MoneyGeek score calculated?

Nationwide offers the best term life insurance for young adults in North Carolina with a MoneyGeek score of 97 for men and 97 for women. For men, the monthly premium is $9, while for women, it's slightly higher at $11.

Nationwide's top ranking can be attributed to its exemplary customer satisfaction and stability as well as its affordability and efficient processes.

Best Term Life Insurance for Young Adults in North Carolina
Data filtered by:Results filtered by:
Sex:
Sex:M
Nationwide1$997
GEICO2$797
Mutual of Omaha3$896
Protective4$994
State Farm5$1594
Allstate6$893
Haven7$1193
Transamerica8$993
Prudential9$1292
AAA10$1392
Bestow11$2189

Best Cheap Term Life Insurance in North Carolina

How was this MoneyGeek score calculated?

Allstate stands as the preeminent provider of the best cheap term life insurance in North Carolina for women, garnering a MoneyGeek score of 97, with monthly premiums approximately $9. On the other hand, GEICO takes the lead for men, with a MoneyGeek score of 97 and an estimated monthly premium of $10.

Both companies excel due to their exceptional combination of affordability, reliable customer service and financial stability, which are significant factors contributing to their MoneyGeek scores.

Best Cheap Term Life Insurance in North Carolina
Data filtered by:Results filtered by:
Gender:
Gender:M
GEICO$1097
Mutual of Omaha$1396
Nationwide$1496
Allstate$1394
Protective$1493
Transamerica$1493
State Farm$2489
AAA$2189
Prudential$1988
Haven$1888

Average Cost of Term Life Insurance in North Carolina

The average monthly premium for life insurance is $32 for women and $44 for men. Factors affecting this cost include the individual's health, lifestyle, occupation and the length of the insurance term.

In North Carolina, age and coverage amount further influence the average cost of life insurance. By understanding these elements, individuals can make better decisions about their insurance needs.

FAQ: Life Insurance in North Carolina

What is the best life insurance in North Carolina for men?

How much is life insurance in North Carolina for men?

What is the best life insurance in North Carolina for women?

How much is life insurance in North Carolina for women?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master's degree in Economics and International Relations from Johns Hopkins University and a bachelor's degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


sources
  • North Carolina Department of Insurance. "FAQ." Accessed August 6, 2021.
  • North Carolina Department of Insurance. "Consumer Guide to Life Insurance." Accessed May 17, 2023.
  • North Carolina Life and Health Insurance Guarantee Association. "FAQ." Accessed August 6, 2021.