Life insurance companies in North Carolina play a vital role in financial security. They provide various policies, including term life, whole life, and final expense insurance, catering to the needs of individuals and families. As the industry evolves, there's a noticeable shift towards incorporating technology and personalized service, aiming for greater customer engagement and access. Companies are increasingly focusing on underwriting support and improving agent training, ensuring they can adapt to changing market demands. This reflects a broader trend in the insurance sector towards enhancing customer experiences and achieving long-term stability in a competitive environment.


The life insurance companies in North Carolina vary in size and specialization. With both large corporate entities and smaller private agencies, they cater to a wide audience. Companies like Symmetry Financial Group and MassMutual Carolinas illustrate a blend of modern technology and traditional insurance practices. Established in the latter half of the 20th century, many of these firms focus on advanced training for agents and offer a range of life insurance products. Their locations, from urban hubs to smaller towns, demonstrate a commitment to servicing widely varied clientele throughout the state.


Continue reading to discover the top life insurance companies in North Carolina.


Top 22 Life Insurance Companies in North Carolina


1. Symmetry Financial Group

  • Website: sfglife.com
  • Ownership type: Corporate
  • Headquarters: Swannanoa, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: February 2007
  • Founded year: 2009
  • Headcount: 1001-5000
  • LinkedIn: symmetryfinancialgroup

Symmetry Financial Group, based in Swannanoa, North Carolina, is an insurance agency that specializes in life insurance products. Founded in 2009, the company operates through a network of agents, providing them with extensive training, leads, and technology to enhance their sales capabilities. Symmetry offers a wide range of life insurance solutions, including term life, whole life, indexed universal life, and final expense insurance. Their partnership with Quility, an insurtech firm, allows them to leverage advanced technology for underwriting and policy management, streamlining the sales process for agents. The company has been recognized for its strong organizational culture, having received awards for its workplace environment. With a workforce of over 1,000 employees, Symmetry is committed to supporting agents in achieving their financial goals while securing financial protection for consumers.


2. North Carolina Farm Bureau Mutual Insurance Company

  • Website: ncfbins.com
  • Ownership type: Private
  • Headquarters: Raleigh, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1953
  • Headcount: 1001-5000
  • LinkedIn: nc-farm-bureau

North Carolina Farm Bureau Mutual Insurance Company, founded in 1953, is based in Raleigh, North Carolina. It operates as a private, non-profit organization dedicated to serving the insurance needs of farm and rural families across the state. The company has built a strong presence with agents in all 100 counties of North Carolina, providing a range of insurance products including auto, homeowners, renters, life, health, and farm insurance. With over $2.2 billion in assets and an annual premium volume exceeding $1 billion, the company has established itself as a significant player in the local insurance market. It holds an A.M. Best rating of A (excellent), reflecting its financial stability and commitment to policyholders. The company prides itself on its community involvement and personalized service, ensuring that each customer has a dedicated agent who understands their unique needs. This local focus is a key aspect of their business model, aiming to provide tailored insurance solutions to their members.


3. The Leazer Group, An Integrity Company

  • Website: leazergroup.com
  • Ownership type: Corporate
  • Headquarters: Raleigh, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: July 2021
  • Founded year: 2013
  • Headcount: 201-500
  • LinkedIn: the-leazer-group

The Leazer Group, An Integrity Company, is an insurance agency based in Raleigh, North Carolina, founded in 2013. The company specializes in a range of life insurance products, including mortgage protection, final expense insurance, term and whole life policies, annuities, and indexed universal life insurance. With a workforce of approximately 120 employees, The Leazer Group emphasizes the importance of training and supporting independent agents, enabling them to thrive in the competitive insurance market. The agency's focus on organic sales growth and team building reflects its commitment to fostering a supportive environment for agents. By concentrating on the mortgage life insurance and senior markets, The Leazer Group aims to meet the financial security needs of individuals and families, ensuring they have peace of mind through adequate insurance coverage.


4. Freedom Financial Solutions, LLC

  • Website: ffs.org
  • Ownership type: Private
  • Headquarters: Belmont, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2009
  • Headcount: 51-200
  • LinkedIn: freedom-financial-solutions.-llc

Freedom Financial Solutions, LLC, founded in 2009 and based in Belmont, North Carolina, operates as an insurance agency focused on life insurance products and financial services. The company provides a variety of insurance options, including living benefits, mortgage protection, term life insurance, indexed universal life insurance, whole life insurance, and annuities. With a team of approximately 38 employees, Freedom Financial Solutions emphasizes personalized service through a network of agents who assist clients in selecting insurance solutions tailored to their unique needs. Their mission is to help families secure their financial future and protect their legacies, reflecting a strong commitment to community impact and client support. The company has not reported any funding, indicating a self-sustained operational model.


5. The Delaney Agency

  • Website: sfgdelaney.com
  • Ownership type: Private
  • Headquarters: Asheville, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2011
  • Headcount: 201-500
  • LinkedIn: the-delaney-agency

The Delaney Agency, based in Asheville, North Carolina, is a private insurance agency that specializes in a variety of insurance products, including life, disability, and retirement insurance. Established in 2011, the agency has built a reputation for connecting individuals and families with suitable insurance solutions tailored to their specific needs. They work closely with a network of over 30 top insurance carriers, ensuring that clients receive competitive coverage options. The agency emphasizes the importance of financial protection and peace of mind, striving to provide clients with the best possible service and support in navigating their insurance choices. Their offerings include term life insurance, mortgage protection, final expense insurance, and critical illness insurance, among others. The Delaney Agency operates with a focus on customer service and education, helping clients understand their options and make informed decisions about their insurance needs.


6. MassMutual Carolinas

  • Website: carolinas.massmutual.com
  • Ownership type: Private
  • Headquarters: Charlotte, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1935
  • Headcount: 51-200
  • LinkedIn: massmutualcarolinas

MassMutual Carolinas, headquartered in Charlotte, North Carolina, is a financial services firm that has been serving clients since 1935. The company specializes in life insurance, investment management, and financial planning, catering to individuals, families, and businesses. With a team of over 100 financial professionals, MassMutual Carolinas provides customized solutions aimed at helping clients achieve financial security and manage their wealth effectively. They are committed to understanding their clients' unique situations and guiding them through various life changes and unexpected hardships. The firm operates under the broader umbrella of Massachusetts Mutual Life Insurance Company, which enhances its credibility and resource access in the industry. MassMutual Carolinas has built a reputation for its client-centric approach and has served nearly 64,725 clients throughout the Carolinas, demonstrating its active role in the life insurance market.


7. National Agents Alliance - The Alliance

  • Website: naaleads.com
  • Ownership type: Private
  • Headquarters: Burlington, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 99%
  • Founded year: 2002
  • Headcount: 51-200
  • LinkedIn: national-agents-alliance-corporate

National Agents Alliance - The Alliance, founded in 2002 and based in Burlington, North Carolina, operates as an insurance marketing organization. The company specializes in recruiting life insurance agents throughout the United States, offering them comprehensive training and support. This enables agents to access a wide range of insurance products from various carriers, including well-known names like Mutual of Omaha and Foresters. The Alliance has developed a robust lead generation system, which is critical for agents to connect with potential clients. Since its establishment, the company has facilitated over $167 billion in insurance coverage applications and has assisted more than 2.5 million families in securing life insurance. The organization emphasizes a culture of empowerment and community involvement, encouraging agents to make a positive impact while achieving their financial goals. With a dedicated team and a focus on agent success, The Alliance continues to evolve and adapt to the needs of the insurance market.


8. First Generation Life

  • Website: firstgenlife.com
  • Ownership type: Private
  • Headquarters: Burlington, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2008
  • Headcount: 201-500
  • LinkedIn: theerichowardgroup

First Generation Life, based in Burlington, North Carolina, is an insurance agency that specializes in providing a range of financial services aimed at securing the financial future of individuals and families. Founded in 2008, the company has grown to serve over 10,000 clients each year, focusing on products such as Final Expense Insurance, Mortgage Protection, Indexed Universal Life Policies, and Retirement Planning. Their mission emphasizes the importance of leaving a lasting legacy, which resonates with many clients looking for peace of mind in their financial planning. The company also engages in community initiatives, such as the HBCU Pay It Forward program, which aims to support historically black colleges and universities. This involvement highlights their commitment to social responsibility and financial education. With a dedicated team and a clear focus on customer satisfaction, First Generation Life positions itself as a relevant and impactful player in the life insurance industry.


9. Lowry Insurance

  • Website: lowryassoc.com
  • Ownership type: Private
  • Headquarters: Charlotte, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1994
  • Headcount: 11-50
  • LinkedIn: lowryclt

Lowry Insurance, established in 1994, is an independent insurance agency based in Charlotte, North Carolina. With a team of approximately 25 employees, the agency specializes in a wide array of insurance products, including personal, business, and international insurance solutions. Their offerings include life insurance, health insurance, home and auto insurance, and various business insurance policies. Lowry Insurance prides itself on building strong relationships with clients, focusing on understanding their unique needs to provide customized coverage. The agency collaborates with reputable insurance carriers to ensure that clients receive reliable and comprehensive protection. With nearly three decades of experience, Lowry Insurance has developed a reputation for integrity and customer service, making it a trusted partner for individuals and businesses alike.


10. Marshall Insurance

  • Website: marshallins.net
  • Ownership type: Private
  • Headquarters: Stallings, North Carolina, United States (USA)
  • Founded year: 2001
  • Headcount: 1-10
  • LinkedIn: marshallins

Marshall Insurance, founded in 2001 and based in Stallings, North Carolina, operates as an independent insurance agency. The agency was established by Gary Sides, who has extensive experience in insurance marketing, sales, and underwriting. Marshall Insurance provides a range of insurance products, including auto, home, business, and life insurance. They serve both individual consumers and businesses, focusing on personalized solutions to help clients manage risks and protect their financial interests. The agency has grown to include multiple locations in North Carolina and South Carolina, reflecting its commitment to serving the local community. Marshall Insurance emphasizes customer service and has received positive feedback from clients regarding their responsiveness and support. They represent a selection of reputable insurance companies, allowing them to offer competitive coverage options. Their life insurance offerings include fixed annuities, final expense insurance, and individual life insurance, catering to various client needs.


11. Latorre Insurance


Latorre Insurance, founded in 2003 and based in Charlotte, North Carolina, operates as a private insurance agency with a workforce of 11 to 50 employees. The company specializes in a wide array of insurance products, including auto, commercial, property, health, and notably, life insurance. They cater to both individual consumers and businesses, providing customized insurance solutions to help manage risks and protect assets. With offices in Charlotte, Greensboro, and Raleigh, Latorre Insurance emphasizes personalized service and has built a reputation for customer satisfaction, reflected in their high ratings. Their life insurance offerings include term, whole, and universal life policies, demonstrating their commitment to addressing the financial security needs of their clients. As an independent agency, they collaborate with a variety of reputable insurance carriers, allowing them to present clients with options that best fit their needs.


12. Kornegay Inc Insurance


Kornegay Inc Insurance, founded in 1989, is a private insurance agency based in Mount Olive, North Carolina. With a team of 24 employees, the agency specializes in a variety of insurance products, including auto, home, business, health, and notably, life insurance. They serve both individual consumers and businesses, providing essential coverage to protect against various risks and financial losses. The agency operates from two locations in Mount Olive and Pink Hill, NC, emphasizing a community-oriented approach. Their knowledgeable staff assists clients in navigating the complexities of insurance policies, ensuring that they find the best coverage to meet their specific needs. Kornegay Inc Insurance is dedicated to helping clients secure financial protection for themselves and their loved ones through their life insurance offerings.


13. Insurance Service Center

  • Website: iscfay.com
  • Ownership type: Private
  • Headquarters: Fayetteville, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 65%, India 27%, Iran 4%, Other 4%
  • Founded year: 1975
  • Headcount: 11-50
  • LinkedIn: insurance-service-center

Insurance Service Center (ISC), founded in 1975, is a private insurance agency based in Fayetteville, North Carolina. With a workforce of 11 to 50 employees, ISC has established itself as a reliable provider of various insurance products, including auto, home, life, and business insurance. The agency caters to both individual consumers and businesses, offering customized insurance solutions tailored to meet specific needs. ISC operates multiple locations across North Carolina, emphasizing a commitment to customer service and satisfaction. The agency has built strong relationships with over 30 insurance carriers, allowing it to offer a wide array of options to its clients. With a client base of more than 20,000, including 18,000 families and 2,500 businesses, ISC has demonstrated its capability in the insurance market, particularly in the local context.


14. SureVest Insurance Group LLC


SureVest Insurance Group LLC, founded in 2003 and based in Raleigh, North Carolina, is a private insurance agency that provides a wide array of insurance products, including life, auto, homeowners, and business insurance. With a team of 11 to 50 employees, the agency prides itself on delivering personalized service tailored to the unique needs of both individual consumers and businesses. SureVest emphasizes community engagement, actively supporting local causes and initiatives, which reflects their commitment to social responsibility. Their independent agency status allows them to work with various insurance providers, ensuring that clients receive the best possible coverage options. This approach not only enhances their service quality but also fosters trust and reliability among their clientele.


15. LifeStore Insurance

  • Website: lifestoreinsurance.com
  • Ownership type: Private
  • Headquarters: West Jefferson, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1997
  • Headcount: 11-50
  • LinkedIn: lifestore-insurance

LifeStore Insurance, founded in 1997, is an independent insurance agency located in West Jefferson, North Carolina. The agency operates multiple offices across northwestern North Carolina, including Boone, Elkin, and Lenoir. LifeStore Insurance provides a wide range of insurance products, including personal, business, and employee benefits insurance. The company prides itself on its commitment to customer service and community involvement, which is reflected in its operational philosophy. LifeStore Insurance represents over 25 insurance carriers, allowing it to offer tailored solutions to its clients. The agency emphasizes high professional standards and continuing education for its employees, many of whom hold professional designations. LifeStore Insurance is also affiliated with the Independent Insurance Agents Association of North Carolina, enhancing its credibility within the industry. The agency's focus on building personal relationships with clients is a cornerstone of its business model, aiming to provide peace of mind through comprehensive insurance coverage.


16. Stanberry Insurance

  • Website: stanberry-ins.com
  • Ownership type: Family Owned
  • Headquarters: Sylva, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1980
  • Headcount: 11-50
  • LinkedIn: stanberry-insurance

Stanberry Insurance, founded in 1980 and based in Sylva, North Carolina, is a family-owned independent insurance agency. With a team of approximately 40 employees, the agency specializes in a comprehensive suite of insurance solutions, including personal, business, and life insurance. They serve individual consumers and businesses across several states in the Southeastern United States, including North Carolina, South Carolina, Tennessee, Georgia, Kentucky, and Virginia. Stanberry Insurance emphasizes building strong client relationships and providing expert advice, which is crucial in the insurance industry. Their life insurance offerings include individual policies, child life insurance, and long-term care insurance, catering to a variety of client needs. The agency's mission is to deliver a concierge client experience, allowing clients to choose from top-rated national and regional insurance carriers, thereby ensuring they receive the best possible coverage for their unique situations.


17. Insurance Associates of the Triad

  • Website: iatriad.com
  • Ownership type: Private
  • Headquarters: Asheboro, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1949
  • Headcount: 11-50
  • LinkedIn: insurance-associates-of-the-triad

Insurance Associates of the Triad, based in Asheboro, North Carolina, has been serving the insurance needs of individuals, families, and businesses since its founding in 1949. As an independent insurance agency, they represent multiple top-rated insurance carriers, allowing them to offer tailored solutions that meet the specific needs of their clients. Their product offerings include personal insurance, business insurance, and notably, life and health insurance. The agency prides itself on its community involvement, having been recognized as the Asheboro/Randolph Chamber of Commerce 'Business of the Year.' Their team is dedicated to providing exceptional customer service, ensuring that clients receive the right coverage at competitive rates. With a strong local presence and a commitment to supporting their community, Insurance Associates of the Triad plays a significant role in the insurance landscape of North Carolina.


18. Jake A Parrott Insurance Agency Inc.


Jake A Parrott Insurance Agency Inc. is a privately owned insurance agency based in Kinston, North Carolina. Established in 1937, the agency has built a reputation for providing a wide array of insurance products, including life, auto, home, business, and farm insurance. With a dedicated team of professionals, they focus on delivering personalized service and tailored insurance solutions to both individual consumers and businesses. The agency prides itself on its commitment to understanding client needs and managing risks effectively. Over the years, they have developed strong ties within the community, actively participating in local organizations and events. This community involvement reflects their dedication to serving the Kinston area and surrounding regions. Their life insurance offerings are designed to provide financial security for clients and their families, ensuring that they are well-informed and supported in their insurance decisions.


19. Pegram Insurance

  • Website: pegramins.com
  • Ownership type: Private
  • Headquarters: Charlotte, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 87%, Canada 13%
  • Founded year: 1984
  • Headcount: 11-50
  • LinkedIn: pegram-insurance

Pegram Insurance, founded in 1984 and based in Charlotte, North Carolina, is a private insurance agency that offers a wide array of insurance services. With a team of approximately 38 employees, the agency specializes in auto, home, business, health, and life insurance. Pegram Insurance prides itself on its ability to review and compare options from various insurance providers, ensuring clients receive the best possible coverage tailored to their unique circumstances. The agency serves both individual consumers and businesses, helping them manage risks and protect their assets effectively. Their commitment to customer service is evident in their 24/7 availability, allowing clients to access support whenever needed. Pegram Insurance's focus on life insurance as part of its offerings underscores its relevance in the industry, catering to the needs of families and individuals looking to secure their financial future.


20. Best Agency

  • Website: bestagency.com
  • Ownership type: Private
  • Headquarters: Durham, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 78%, Morocco 12%, Germany 5%, Other 5%
  • Founded year: 1994
  • Headcount: 51-200
  • LinkedIn: best-agency

Best Agency USA, Inc, founded in 1994 and based in Durham, North Carolina, is an insurance agency that specializes in life insurance, annuities, long-term care, and disability income. The company operates as an insurance marketing organization, providing comprehensive support and solutions to financial advisors and agency managers. Best Agency is dedicated to enhancing the success of its partners by offering competitive products, strong management support, and personalized sales assistance. Their team is known for its expertise in underwriting and case management, which helps advisors navigate the complexities of the insurance market. With a workforce of around 78 employees, Best Agency has cultivated relationships with top insurance carriers, ensuring that they can offer robust product options to their clients. Their focus on technology and centralized processing further aids in streamlining operations for their partners, making them a valuable resource in the life insurance sector.


21. Breeden Insurance Services Inc

  • Website: breedeninsurance.com
  • Ownership type: Family Owned
  • Headquarters: Lexington, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1963
  • Headcount: 11-50
  • LinkedIn: breedeninsurance

Breeden Insurance Services Inc, established in 1963 and family-owned since 1967, operates as an independent insurance agency based in Lexington, North Carolina. The agency serves both individual consumers and businesses across North Carolina, providing a wide array of insurance products. Their offerings include personal insurance such as auto, homeowners, and life insurance, as well as business insurance and health coverage. With a team of over 25 professionals, Breeden Insurance emphasizes customer service and risk management, tailoring insurance solutions to meet the unique needs of their clients. They are licensed agents for numerous major insurance companies and have access to a broad network of carriers, allowing them to offer competitive coverage options. Breeden Insurance is committed to protecting clients' financial well-being through comprehensive insurance plans and has built a reputation for responsive service and client satisfaction.


22. Pinnacle Benefits Group

  • Website: pinnaclebenefits.com
  • Ownership type: Private
  • Headquarters: Winston-Salem, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1994
  • Headcount: 1-10
  • LinkedIn: pinnacle-benefits-group

Pinnacle Benefits Group, based in Winston-Salem, North Carolina, has been serving the insurance market since 1994. This private agency specializes in a variety of insurance products, including health, life, and annuity options. They primarily operate as an independent marketing organization (IMO), providing essential support to independent insurance agents. Their services include training, resources, and competitive commissions, which empower agents to effectively meet their clients' needs. Pinnacle Benefits Group has merged operations with Savers Marketing, enhancing their operational and marketing resources. This collaboration allows them to offer a comprehensive portfolio of products from top-rated insurance carriers, including Mutual of Omaha and Aetna. Their focus on life insurance includes term life, universal life, final expense, and whole life products, demonstrating their commitment to this segment of the insurance market.



Life Insurance Insights: Key Companies in North Carolina


CompanyHeadquarterSizeFoundedOwnership
Symmetry Financial GroupSwannanoa, North Carolina, United States (USA)1001-50002009Corporate
North Carolina Farm Bureau Mutual Insurance CompanyRaleigh, North Carolina, United States (USA)1001-50001953Private
The Leazer Group, An Integrity CompanyRaleigh, North Carolina, United States (USA)201-5002013Corporate
Freedom Financial Solutions, LLCBelmont, North Carolina, United States (USA)51-2002009Private
The Delaney AgencyAsheville, North Carolina, United States (USA)201-5002011Private
MassMutual CarolinasCharlotte, North Carolina, United States (USA)51-2001935Private
National Agents Alliance - The AllianceBurlington, North Carolina, United States (USA)51-2002002Private
First Generation LifeBurlington, North Carolina, United States (USA)201-5002008Private
Lowry InsuranceCharlotte, North Carolina, United States (USA)11-501994Private
Marshall InsuranceStallings, North Carolina, United States (USA)1-102001Private
Latorre InsuranceCharlotte, North Carolina, United States (USA)11-502003Private
Kornegay Inc InsuranceMount Olive, North Carolina, United States (USA)11-501989Private
Insurance Service CenterFayetteville, North Carolina, United States (USA)11-501975Private
SureVest Insurance Group LLCRaleigh, North Carolina, United States (USA)11-502003Private
LifeStore InsuranceWest Jefferson, North Carolina, United States (USA)11-501997Private
Stanberry InsuranceSylva, North Carolina, United States (USA)11-501980Family Owned
Insurance Associates of the TriadAsheboro, North Carolina, United States (USA)11-501949Private
Jake A Parrott Insurance Agency Inc.Kinston, North Carolina, United States (USA)11-501937Private
Pegram InsuranceCharlotte, North Carolina, United States (USA)11-501984Private
Best AgencyDurham, North Carolina, United States (USA)51-2001994Private
Breeden Insurance Services IncLexington, North Carolina, United States (USA)11-501963Family Owned
Pinnacle Benefits GroupWinston-Salem, North Carolina, United States (USA)1-101994Private


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