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North Carolina Life Insurance

Shopping around for North Carolina life insurance policies? AccuQuote helps you compare the prices, features and financial strength of dozens of life insurance policies. Whether you’re looking for term, permanent, child, accidental death or final expense life insurance, AccuQuote has consistently delivered the best values to tens of thousands of people since 1986.

Benefits of Having Life Insurance in North Carolina

The State Insurance Code of North Carolina regulates the life insurance industry in the state. The code safeguards the interests of people purchasing North Carolina Life Insurance Policy through provisions such as:

Free Look: Under the State Insurance Code of North Carolina, every life insurance plan must contain a “free look” provision. This permits you to cancel your policy even if you have signed a contract and have received all policy documents from the life insurance company. Most companies will give a 10-day period for cancellation of the policy, but some may even extend this “free look” period to 30 days.

Processing of Death Benefits: Life insurance companies are required to settle death claims as quickly as possible. If all documents are in order, this is usually 2 months. The Code allows for accumulation of interest on death benefits if they are not paid in a timely manner. Interest begins on the first day a claim is filed and increases if payment is not paid within 2 months.

Grace Period: Life insurance companies must provide a 30-day grace period to insurance holders who miss a payment for any reason. A 30-day grace period allows you to bring the account to current status. If payment is not made during this grace period, the insurer can cancel the policy for non-payment.

Under the State Insurance Code, life insurance companies have the right to review a policy for any discrepancies up to two years after it has been issued. If any false information has been given on the application, the policy can be immediately terminated.

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