Life insurance by state · CT
Life insurance in Connecticut
What Connecticut law gives you, which carriers quote in Connecticut, and how to get covered — from an independent agency licensed in Connecticut.
The short answer
Connecticut residents can choose from 9 final expense and 14 term life carriers we work with that quote in Connecticut. New policies typically come with a 10-day free look, and the state guaranty association backs life insurance death benefits up to $500,000.
Your protections in Connecticut
| Regulator | Connecticut Insurance Department |
|---|---|
| Free-look period | Typically at least 10 days |
| Guaranty association | Connecticut Life and Health Insurance Guaranty Association: up to $500,000 death benefit, $500,000 cash value (overall per-person cap applies) |
| Community property state | No |
| State estate / inheritance tax | Estate tax: yes · Inheritance tax: no — Connecticut's estate tax starts from the federal gross estate, so life insurance proceeds count toward it only when they are in the federal gross estate (generally when the deceased owned the policy or it was payable to the estate). For deaths on or after 1/1/2023 the exemption equals the federal basic exclusion amount ($15,000,000 for 2026), with a flat 12% rate above it (Conn. Gen. Stat. § 12-391). |
Good to know in Connecticut
- Under Conn. Gen. Stat. § 38a-452, interest on a life insurance death benefit must start accruing no later than 10 days after the insured's death, at the insurer's current rate for proceeds left under its interest settlement option, and is added to the amount paid. Source
- Under Conn. Gen. Stat. § 38a-464, anyone issuing burial contracts (prepaid promises to embalm, bury or otherwise dispose of a living person's remains) must be licensed by the Connecticut Insurance Commissioner, and Connecticut's life insurance laws apply to those contracts. Source
Carriers we work with that quote in Connecticut
Final expense / burial: Aetna · American Amicable · Americo · Fidelity · Foresters · Mutual of Omaha · NewBridge · Transamerica · UHL
Term life: American Amicable · Americo · Catholic Financial · Foresters · InstaBrain · John Hancock · Kansas City Life · Mutual of Omaha · National Life Group · Primerica · Protective · SBLI · Transamerica · UHL
From our quoting system’s Connecticut results (September 2026). Product availability and rules vary by carrier and change over time.
How to get covered in Connecticut
- Figure out how much you need — final expense calculator or mortgage protection calculator.
- See typical prices by age — life insurance cost by age.
- Tell us your health history — we match you to the Connecticut carrier most likely to approve you at the best price (condition guides).
- Apply by phone with an e-signature — many decisions are instant or same-day.
Licensed in Connecticut. Compare dozens of carriers in one free call — no pressure.
Get my quotes → Call 586-343-1505Sources: Regulator · Guaranty association · Free-look rule · Estate/inheritance tax
Straight answers
Life insurance in Connecticut — FAQ
How long is the free-look period for life insurance in Connecticut?
New individual life insurance policies sold in Connecticut typically give you at least 10 days to review the policy and cancel for a full refund. The exact window is printed on your policy’s first page.
What happens to my life insurance if the company fails in Connecticut?
The Connecticut Life and Health Insurance Guaranty Association protects Connecticut residents up to $500,000 in life insurance death benefits and $500,000 in cash value, subject to an overall per-person cap. It’s a backstop — choosing a financially strong carrier still matters.
Who regulates life insurance in Connecticut?
The Connecticut Insurance Department. You can verify an agent’s license or file a complaint with them.
Can I buy life insurance in Connecticut by phone?
Yes. United Eagles Financial is licensed for life insurance in Connecticut; most applications are done by phone or video with an electronic signature.