Life insurance by state · ND
Life insurance in North Dakota
What North Dakota law gives you, which carriers quote in North Dakota, and how to get covered — from an independent agency licensed in North Dakota.
The short answer
North Dakota residents can choose from 11 final expense and 15 term life carriers we work with that quote in North Dakota. New policies typically come with a 20-day free look, and the state guaranty association backs life insurance death benefits up to $300,000.
Your protections in North Dakota
| Regulator | North Dakota Insurance & Securities Department |
|---|---|
| Free-look period | Typically at least 20 days |
| Guaranty association | North Dakota 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 North Dakota
- North Dakota requires life policies to settle a death claim when due proof of death is received, or within two months after, with reasonable interest from the date of death if proof is filed within 180 days (N.D.C.C. § 26.1-33-05(9)). Source
- When the insured dies, the insurer must refund any premium paid beyond the month of death within 30 days of being notified; this does not apply to term or flexible-premium policies (N.D.C.C. § 26.1-33-05(13)). Source
Carriers we work with that quote in North Dakota
Final expense / burial: Aetna · American Amicable · American Home Life · 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 North Dakota results (September 2026). Product availability and rules vary by carrier and change over time.
How to get covered in North Dakota
- 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 North Dakota 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 North Dakota. 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 North Dakota — FAQ
How long is the free-look period for life insurance in North Dakota?
New individual life insurance policies sold in North Dakota typically give you at least 20 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 North Dakota?
The North Dakota Life & Health Insurance Guaranty Association protects North Dakota 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 North Dakota?
The North Dakota Insurance & Securities Department. You can verify an agent’s license or file a complaint with them.
Can I buy life insurance in North Dakota by phone?
Yes. United Eagles Financial is licensed for life insurance in North Dakota; most applications are done by phone or video with an electronic signature.