Life insurance by state · NH
Life insurance in New Hampshire
What New Hampshire law gives you, which carriers quote in New Hampshire, and how to get covered — from an independent agency licensed in New Hampshire.
The short answer
New Hampshire residents can choose from 8 final expense and 14 term life carriers we work with that quote in New Hampshire. 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 New Hampshire
| Regulator | New Hampshire Insurance Department |
|---|---|
| Free-look period | Typically at least 10 days · 30 days for replacement policies (N.H. Admin. Rules Ins 302.06(a)(4); Ins 302.08(b)(2) for direct-response replacements) |
| Guaranty association | New Hampshire 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 New Hampshire
- Under RSA 408:11 (effective Jan. 1, 2023), life insurance death benefits earn interest from the date of death, plus an additional 10% a year starting the 31st day after the insurer has proof of death and the information needed to pay; insurers must notify beneficiaries if a benefit isn't paid within 30 days of death. Source
- When a life insurance policy funds a preneed funeral contract, N.H. rule Ins 301.05(i)(4) requires that the policyholder be able to cancel within 10 days of delivery for a full premium refund with no charge or penalty. Source
Carriers we work with that quote in New Hampshire
Final expense / burial: Aetna · 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 New Hampshire results (September 2026). Product availability and rules vary by carrier and change over time.
How to get covered in New Hampshire
- 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 New Hampshire 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 New Hampshire. 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 New Hampshire — FAQ
How long is the free-look period for life insurance in New Hampshire?
New individual life insurance policies sold in New Hampshire typically give you at least 10 days to review the policy and cancel for a full refund (30 days for replacement policies (N.H. Admin. Rules Ins 302.06(a)(4); Ins 302.08(b)(2) for direct-response replacements)). The exact window is printed on your policy’s first page.
What happens to my life insurance if the company fails in New Hampshire?
The New Hampshire Life & Health Insurance Guaranty Association protects New Hampshire 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 New Hampshire?
The New Hampshire Insurance Department. You can verify an agent’s license or file a complaint with them.
Can I buy life insurance in New Hampshire by phone?
Yes. United Eagles Financial is licensed for life insurance in New Hampshire; most applications are done by phone or video with an electronic signature.