Life insurance by state · DE
Life insurance in Delaware
What Delaware law gives you, which carriers quote in Delaware, and how to get covered — from an independent agency licensed in Delaware.
The short answer
Delaware residents can choose from 10 final expense and 15 term life carriers we work with that quote in Delaware. New policies typically come with a 10-day free look, and the state guaranty association backs life insurance death benefits up to $300,000.
Your protections in Delaware
| Regulator | Delaware Department of Insurance |
|---|---|
| Free-look period | Typically at least 10 days · 20 days for replacement policies (18 Del. Admin. Code 1204-7.4) |
| Guaranty association | Delaware Life & Health Insurance Guaranty Association: up to $300,000 death benefit, $100,000 cash value (overall per-person cap applies) |
| Community property state | No |
| State estate / inheritance tax | Estate tax: no · Inheritance tax: no |
Good to know in Delaware
- Under 18 Del. C. § 2914, Delaware life policies must pay interest on the death benefit from the date the claim with proof of death is filed, plus an extra 10% a year starting 31 days after the insurer has proof of death, enough information to pay the right person, and any legal impediments resolved. Source
- The Delaware Department of Insurance's 'Missing Life Insurance / Annuity Search Request' page points families to the free NAIC Life Insurance Policy Locator for finding a deceased relative's life insurance policies and annuities. Source
Carriers we work with that quote in Delaware
Final expense / burial: Aetna · American Amicable · Americo · Fidelity · Foresters · Mutual of Omaha · NewBridge · Royal Neighbors · Transamerica · UHL
Term life: American Amicable · Americo · Catholic Financial · Foresters · InstaBrain · John Hancock · Kansas City Life · Mutual of Omaha · National Life Group · Primerica · Protective · Royal Neighbors · SBLI · Transamerica · UHL
From our quoting system’s Delaware results (September 2026). Product availability and rules vary by carrier and change over time.
How to get covered in Delaware
- 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 Delaware 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 Delaware. 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 Delaware — FAQ
How long is the free-look period for life insurance in Delaware?
New individual life insurance policies sold in Delaware typically give you at least 10 days to review the policy and cancel for a full refund (20 days for replacement policies (18 Del. Admin. Code 1204-7.4)). The exact window is printed on your policy’s first page.
What happens to my life insurance if the company fails in Delaware?
The Delaware Life & Health Insurance Guaranty Association protects Delaware residents up to $300,000 in life insurance death benefits and $100,000 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 Delaware?
The Delaware Department of Insurance. You can verify an agent’s license or file a complaint with them.
Can I buy life insurance in Delaware by phone?
Yes. United Eagles Financial is licensed for life insurance in Delaware; most applications are done by phone or video with an electronic signature.