Best Life Insurance in Wilmington, NC (October 2024)


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In Wilmington, North Carolina, Mutual of Omaha stands out as the best life insurance provider for men with a MoneyGeek score of 91 and a monthly premium of $27. For women, Protective is the top choice, scoring 91 with a monthly premium of $18. These scores are based on a 20-year term policy with $500,000 coverage.

Different factors influence life insurance decisions. Your unique needs may mean a different company is best for you.

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 Wilmington, North Carolina.

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

1,488Quotes Analyzed
 
14Companies Compared
 
50ZIP Codes
MoneyGeek Logo IconBestLife InsuranceWilmington, NC
2024

Best Life Insurance Companies in Wilmington

Overall Best Life Insurance in Wilmington, NC

How was this MoneyGeek score calculated?

Mutual of Omaha offers the best life insurance in Wilmington for men, with a MoneyGeek score of 91 and an average monthly premium of $27. For women, Protective leads with a MoneyGeek score of 91 and an average monthly premium of $18. .

Top providers for men:

  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $27 per month for men
  • Protective: MoneyGeek score of 91 out of 100 at $28 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 92 out of 100 at $18 per month for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $23 per month for women

Mutual of Omaha and Protective stand out for their affordable premiums, strong customer satisfaction and financial stability, making them the best providers of life insurance in Wilmington.

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MoneyGeek Top Pick
Mutual of Omaha

Mutual of Omaha offers the best life insurance in Wilmington for men, with a MoneyGeek score of 91 and an average monthly premium of $27. It provides reliable coverage options and has been recognized for its high customer satisfaction.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could improve
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MoneyGeek Top Pick
Protective

Protective stands out as the top life insurance choice in Wilmington for women, with a MoneyGeek score of 92. It offers a monthly premium of $18 and is known for its reliable coverage options and high customer satisfaction.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Wilmington, NC

How was this MoneyGeek score calculated?

In Wilmington, Mutual of Omaha is the best term life insurance for men, with a MoneyGeek score of 92 and an average monthly premium of $11. Women find the best value with Protective, achieving a MoneyGeek score of 91 at $9 per month.

The top two term life insurance companies for men are:

  • Mutual of Omaha: MoneyGeek score of 92 out of 100 at $11 per month for men
  • Protective: MoneyGeek score of 91 out of 100 at $13 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 91 out of 100 at $9 per month for women
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $10 per month for women

Term life insurance is a straightforward policy that covers individuals for a specified period, providing a death benefit to beneficiaries. It's suitable for those who need coverage to protect their family's financial future without a lifelong commitment. For example, a parent might buy term insurance to ensure their child's education expenses are covered in case of an untimely death.

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MoneyGeek Top Pick
Mutual of Omaha

Mutual of Omaha stands out as the top provider of term life insurance for men in Wilmington, boasting a MoneyGeek score of 92. With a monthly premium of $11, it offers a blend of value and reliability. Customers can trust in the company's high standards and competitive pricing for their insurance needs.

Pros:

  • High customer satisfaction
  • Competitive pricing
  • Strong financial stability

Cons:

  • Buying process could improve
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MoneyGeek Top Pick
Protective

For women in Wilmington seeking dependable term life insurance, Protective emerges as the superior choice. With a MoneyGeek score of 91, Protective combines excellence with affordability, offering a monthly premium of just $9.

Pros:

  • High customer satisfaction
  • Notably affordable
  • Financially stable

Cons:

  • Buying process could improve

Best Whole Life Insurance in Wilmington, NC

How was this MoneyGeek score calculated?

Protective provides the best whole life insurance in Wilmington for both men and women, boasting a MoneyGeek score of 92. This score indicates a robust combination of affordability, customer satisfaction and financial stability, making Protective a wise choice for individuals seeking dependable life insurance coverage.

  • Protective: MoneyGeek score of 92 out of 100 for men and women
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 for men and women

Whole life insurance provides lifelong coverage and includes an investment component that can grow over time. Someone might choose whole life insurance to ensure their family's financial stability while also building cash value that can be borrowed against in the future.

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MoneyGeek Top Pick
Protective

Protective offers the best whole life insurance in Wilmington, serving both men and women with excellence. With a MoneyGeek Score of 92 for each group, Protective is known for its commitment to quality service and customer satisfaction.

Pros:

  • High customer satisfaction
  • 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 Wilmington, NC

How was this MoneyGeek score calculated?

Protective is the best universal life insurance provider in Wilmington, with a MoneyGeek score of 91 for both men and women.

  • Protective: MoneyGeek score of 91 out of 100 for men and women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men and women

Universal life insurance offers a flexible premium and death benefit, along with the potential to build cash value over time. For instance, someone who wants the ability to adjust their premiums and coverage as their financial situation changes might opt for universal life insurance over more rigid policies.

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MoneyGeek Top Pick
Protective

Protective stands out as the leading provider of universal life insurance in Wilmington for both men and women, with a MoneyGeek score of 91 for each group. This ranking reflects the company's commitment to customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in Wilmington, NC

How was this MoneyGeek score calculated?

Protective is the best provider for individuals in Wilmington looking for life insurance without the hassle of mandatory medical exams, with a MoneyGeek score of 91.

  • Protective: MoneyGeek score of 91 out of 100 for men and women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men and women

Life insurance without a medical exam is a convenient choice for those who prefer to skip the traditional health assessment process. For example, a busy professional with a tight schedule might opt for this type of insurance to save time while still securing coverage.

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MoneyGeek Top Pick
Protective

For individuals seeking the best no-medical-exam life insurance in Wilmington, Protective stands out with a MoneyGeek score of 91 for both men and women. This score reflects a balance of key factors that contribute to a reliable and satisfying insurance experience.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Wilmington, NC

How was this MoneyGeek score calculated?

For men seeking the best term life insurance for seniors in Wilmington, Mutual of Omaha leads with a MoneyGeek Score of 92 and an average monthly premium of $46. Women find their top choice in Protective, boasting a score of 91 and a premium of $39 monthly.

Age impacts life insurance premiums due to the increased risk associated with insuring older individuals. Mutual of Omaha and Protective offer a balance of affordability, customer satisfaction, financial stability and product diversity, making them ideal for seniors prioritizing stability and value in their life insurance selection.

Best Term Life Insurance for Seniors in Wilmington
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$4692
2Protective$5391
3Nationwide$4691
4Allstate$4888
5Transamerica$5487
6Prudential$5786
7State Farm$8185
8AAA$8085
9Haven$8982

Best Term Life Insurance for Smokers in Wilmington, NC

How was this MoneyGeek score calculated?

Mutual of Omaha offers the best term life insurance for smokers in Wilmington, with MoneyGeek scores of 91 for men and 89 for women. Men can expect an average monthly premium of $25, while women will pay approximately $23.

Smoking significantly influences life insurance premiums, as it introduces higher health risks, which insurers account for in their pricing. Mutual of Omaha's top scores reflect its competitive pricing, customer satisfaction and financial stability, making it a strong choice for those who use tobacco.

Best Term Life Insurance for Smokers in Wilmington
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$2591
2Nationwide$3189
3Protective$3788
4Transamerica$2288
5Prudential$2387
6State Farm$3586
7Allstate$3586
8AAA$4785
9Haven$4683

Best Term Life Insurance for Young Adults in Wilmington, NC

How was this MoneyGeek score calculated?

In Wilmington, Mutual of Omaha offers the best term life insurance for young adults for men, with a MoneyGeek score of 92 and an average monthly premium of $7. For women, Protective takes the top spot with a MoneyGeek Score of 92 and an average monthly premium of $6.

Age influences life insurance premiums. Younger individuals are generally considered lower risk, leading to more affordable premiums. Mutual of Omaha and Protective earned their high MoneyGeek scores due to a strong balance of affordability, customer satisfaction and financial stability.

Best Term Life Insurance for Young Adults in Wilmington
Data filtered by:Results filtered by:
Sex:
Sex:M
1Mutual of Omaha$792
2Protective$892
3Nationwide$890
4Allstate$888
5Transamerica$888
6AAA$1287
7Haven$1086
8State Farm$1485
9Prudential$1185
10Bestow$1983

Best Cheap Term Life Insurance in Wilmington, NC

How was this MoneyGeek score calculated?

For men, Mutual of Omaha offers the best cheap term life insurance in Wilmington with a MoneyGeek score of 92 and an average monthly premium of $11. For women, Protective is the top choice with a MoneyGeek score of 91 and a monthly premium of $9. These companies provide competitive rates, making them excellent options for life insurance in Wilmington.

Factors affecting life insurance premiums include age, health, coverage amount and term length. To secure the lowest premiums, maintain a healthy lifestyle, choose a shorter term length and opt for a lower coverage amount. Understanding these factors can help you find the best cheap term life insurance in Wilmington.

Best Cheap Term Life Insurance in Wilmington
Data filtered by:Results filtered by:
Sex:
Sex:M
1Mutual of Omaha$1192
2Nationwide$1391
3Protective$1391
4Allstate$1290
5Transamerica$1389
6Prudential$1784
7Haven$1784
8AAA$1984
9State Farm$2282

Average Cost of Term Life Insurance in Wilmington, NC

The average monthly premium for term life insurance in Wilmington is $18 for women and $23 for men.

Various factors affect the cost of life insurance premiums, including age, health, lifestyle, coverage amount and policy term. Life insurance costs in Wilmington might be higher or lower compared to the rest of North Carolina due to local health statistics, cost of living and economic factors. Understanding these elements can help consumers make informed decisions when purchasing life insurance.

FAQ About Life Insurance in Wilmington, NC

What company has the best life insurance in Wilmington for men?
What is the monthly premium cost for the best life insurance for men in Wilmington?
What company has the best life insurance in Wilmington for women?
What is the monthly premium cost for the best life insurance for women in Wilmington?
Is there anything different about life insurance in Wilmington compared to the rest of North Carolina?
What happens to your life insurance if a company goes bankrupt in Wilmington?
Why might Wilmington residents need life insurance?
How do you find a lost life insurance policy in Wilmington?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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