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North Dakota Life Insurance [2024]

North Dakota insurance offers residents a 20-day free look period, personal information protection, and a timely payment of death benefits. Get affordable ND insurance quotes to protect your loved ones.

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Written by:

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...

Insurance Operations Specialist

Reviewed by:

Jimmy McMillan

Licensed Life Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...

Licensed Life Insurance Agent

UPDATED: Feb 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

UPDATED: Feb 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

We offer North Dakota residents life insurance from several of the best ND life insurance companies. Life insurance is very similar from state-to-state, with a few exceptions, so expect your North Dakota life insurance rates to differ.

However, this guide should help you understand the differences in North Dakota life insurance as well as find resources in your state. We’ll also show you how to get the best life insurance in North Dakota.

Before we dive into this guide, find affordable North Dakota life insurance rates by clicking on our FREE quote tool above. Get started now.

Table of Contents

North Dakota Life Insurance Quotes

We offer North Dakota residents life insurance from several A-rated life insurance companies. Life insurance is very similar from state to state, with a few exceptions. This guide should help you understand the differences as well as find resources in your state.

Policy Cost – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies then approved by the State Insurance Department.

Company Availability – Not all companies are available in every state. For example, if a life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.Read More: The Cost of Life Insurance

Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a child insurance rider on their policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on the life insurance companies in the list below.

North Dakota life insurance also offers residents a 20-day free look period, personal information protection, and a timely payment of death benefits. 

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Life Insurance Rates in North Dakota

Let’s take a look at what the best life insurance companies charge. This will give you an idea of what to expect with North Dakota life insurance rates. In the first chart below, you’ll notice the average annual rates for non-smokers based on age, marital status, and gender. 

Now, take a look at the average annual rates for smokers based on age, marital status, and gender. As you can see, the North Dakota life insurance quotes are much higher, presumably because of the higher mortality risk.

You can also see how many life insurance companies there are in North Dakota versus the other midwestern states.

According to the chart, there are three North Dakota life insurance companies that specifically do business within the state. However, that doesn’t mean fewer North Dakota life insurance policy options for you. Click our free quote tool on this page to find out exactly who will offer you the best North Dakota life insurance rate.

North Dakota Guaranty Association

State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of all insurance companies licensed to sell life insurance, health insurance and annuities in the state. If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to defined limits.

In North Dakota, a life insurance policy is protected up to $300,000. This amount is the maximum benefit provided for any one life. In other words, multiple policies on any one person are limited to this amount.

North Dakota Life Insurance Contacts

Here is a list of all the necessary state contacts for residents with North Dakota life insurance claims and other related matters.

Guaranty Association

If you need information about a North Dakota life insurance or health insurance guaranty, contact the North Dakota Life & Health Insurance Guaranty Association at 1-701-235-4108 or visit the website.

Insurance Department

For the latest updates from the North Dakota Insurance Department, you can call 1-800-247-0560 or visit the website.

Here, you can obtain an up-to-date list of life insurance companies in North Dakota and access the North Dakota insurance company search. Individual company life insurance policy locators, such as the Monumental Life insurance policy search, may not be readily available through the North Dakota State Divison of Insurance.

Additionally, the official office of the North Dakota state insurance provides resources and information on a wide range of insurance topics, including North Dakota retirement and NDPERS life insurance.

Legal Info

QuickQuote is licensed to sell life insurance in North Dakota under Agency License Number 0020292054.

The licensed company principal is Tim Bain, Agent License Number 2890464.

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North Dakota Life Insurance Companies

American General Life Insurance Company

Banner Life Insurance Company

Fidelity Life Association

Haven Life / MassMutual

John Hancock Life Insurance Company

Lincoln National Life Insurance Company

Metlife Life Insurance Company

North American Company for Life & Health Insurance

Pacific Life & Annuity Company

Principal Life Insurance Company

Protective Life Insurance Company

Pruco Life Insurance Company (Prudential)

Sagicor Life Insurance Company

The Savings Bank Life Insurance Company of Massachusetts (SBLI)

Transamerica Life Insurance Company

United of Omaha Life Insurance Company

Don’t wait — Use our free quote tool to get affordable life insurance rates in North Dakota. Get started now.

Frequently Asked Questions

What is the free look period for North Dakota insurance?

What is the free look period for North Dakota insurance?

The free look period for North Dakota insurance is 20 days, during which you can review your policy and cancel it if you’re not satisfied.

How is personal information protected in North Dakota insurance?

How is personal information protected in North Dakota insurance?

North Dakota insurance providers prioritize the protection of personal information by employing security measures such as SHA-256 Encryption.

Are death benefits paid out in a timely manner?

Are death benefits paid out in a timely manner?

Yes, North Dakota insurance policies ensure timely payment of death benefits to the beneficiaries.

Are North Dakota insurance quotes free?

Are North Dakota insurance quotes free?

Yes, you can obtain free insurance quotes in North Dakota to compare different options and find the best coverage for your needs.

Which companies offer affordable North Dakota insurance?

Which companies offer affordable North Dakota insurance?

Several reputable companies provide affordable insurance options in North Dakota, including American General Insurance Company, Banner Insurance Company, and MassMutual’s Haven , among others.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Written by:

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...

Insurance Operations Specialist

Reviewed by:

Jimmy McMillan

Licensed Life Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...

Licensed Life Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

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We've been helping people buy life insurance online for over 23 years. In fact, we launched our first website a full year before Google!

We've been helping people buy life insurance online for over 23 years. In fact, we launched our first website a full year before Google!

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Disclaimer: QuickQuote.com strives to present the most up-to-date and comprehensive information on saving money on life insurance possible. This information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. All insurance rates, products, and services are presented without warranty and guarantee. When evaluating rates, please verify directly with your insurance company or agent. Quotes and offers are not binding, nor a guarantee of coverage.

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