Best Life Insurance in North Dakota for 2025 (Check Out the Top 10 Companies)

AARP, AIG, and John Hancock offer the best life insurance in North Dakota. AARP leads with the best no-medical-exam life insurance and final expense coverage.

The top ten life insurance companies in North Dakota offer various policy types and competitive rates, with term life starting at $20-30 monthly and whole life ranging from $140-170 per month.

Company	Rank	A.M. Best	Monthly Rate	Best For	Jump to Pros/Cons
	#1	A++	$1	Senior Focus	AARP
	#2	A	$1	Flexible Policies	AIG
	#3	A+	$1	Wellness Rewards	John Hancock
	#4	A++	$1	Financial Strength	New York Life
	#5	A++	$1	Comprehensive Options	Northwestern Mutual
	#6	A+	$1	Competitive Pricing	Pacific Life
	#7	A+	$1	Customizable Plans	Lincoln Financial
	#8	A++	$1	Excellent Service	MassMutual
	#9	A+	$1	Innovative Features	Prudential
	#10	A++	$1	Local Agents	State Farm

North Dakota residents can maximize savings through multiple discounts, including up to 20% for non-smokers with Prudential and 20% loyalty rewards from Prudential.

What You Should Know

• AARP stands out with final expense coverage and no-medical-exam options in North Dakota
• AIG provides the cheapest North Dakota life insurance, starting at $20 monthly
• John Hancock's Vitality Program rewards healthy lifestyle choices with up to 25% discounts

If you’re looking for affordable life insurance premiums from the top providers in North Dakota, try our comparison tool and find the cheapest coverage that fits your needs.

#1 – AARP: Top Overall Pick

Pros

• Comprehensive Coverage: As mentioned in our AARP insurance review, it offers North Dakota seniors comprehensive coverage options with specialized no-medical-exam policies designed for older residents.
• Unique Final Expense: Its affordable final expense coverage sets them apart in the North Dakota insurance market.
• Discount Structure: A well-balanced discount structure includes stackable savings of 10% each healthy lifestyle and loyalty.

Cons

• High Premiums: Whole life premiums in North Dakota are relatively high at $147 monthly.
• Limited Universal Life: North Dakota policyholders seeking universal life coverage must look elsewhere for flexible premium options.

#2 – AIG: Best for Flexible Policies

Pros

• Adaptable Policies: AIG life insurance in North Dakota offers the most adaptable policy modification options, perfect for changing life circumstances.
• Affordable Term Life: Provides the state's most affordable term life coverage, starting at just $20 monthly. Learn more in our AIG insurance review.
• Non-smoker Discount: North Dakota residents can benefit from its 10% non-smoker discount program.

Cons

• No Final Expense: Lack of final expense coverage may disappoint senior policyholders in North Dakota.
• High-Net-Worth Policies: AIG focuses on high-value life insurance policies in North Dakota, which may not work for families looking for basic coverage.

#3 – John Hancock: Best for Wellness Rewards

Pros

• Vitality Program: It's Vitality Program is a Leading North Dakota life insurance program offering up to 25% in wellness-based savings (Read More: Get Discounts From These Life Insurance Companies for Being Healthy).
• Streamlined Process: Comprehensive no-medical-exam life insurance in North Dakota makes for a streamlined application process for residents.
• Competitive Rates: Term life rates are competitive with other top life insurance companies in North Dakota, starting at $22 monthly.

Cons

• Higher Premiums: Higher whole life premiums than many North Dakota competitors, starting at $155 monthly.
• Limited Planning: Limited end-of-life planning options for final expense coverage in North Dakota.

#4 – New York Life: Best for Financial Strength

Pros

• Financial Strength: Highest possible A++ financial strength rating among insurance providers serving North Dakota residents.
• Special Packages: It gives North Dakota families special modified life insurance packages compared to other companies.
• Consistent Discounts: Consistent 10% discount structure across multiple categories for North Dakota life insurance customers.

Cons

• Higher Term Rates: Term life coverage in North Dakota starts at $30 monthly, higher than many regional competitors.
• Limited Approval: North Dakota residents who want a rapid coverage approval will not have options without a physical exam.

#5 – Northwestern Mutual: Best for Comprehensive Options

Pros

• Wide Policy Options: Choose from a wide range of policies from its network of North Dakota agents. It's one of the best life insurance companies that work directly with agents.
• Superior Rating: Superior A++ rating demonstrates exceptional stability for North Dakota policyholders.
• Wellness Program: Its innovative wellness program offers up to a 20% discount for North Dakota residents with healthy lifestyles.

Cons

• Higher Term Rates: Monthly premiums for North Dakota term coverage start at $28, among the higher rates statewide.
• Low Tech Discount: North Dakota's tech-savvy customers may find the 5% automatic payment discount lacking.

#6 – Pacific Life: Best for Competitive Pricing

Pros

• Competitive Pricing: Most competitive pricing structure among life insurance carriers serving North Dakota families.
• Loyalty Rewards: North Dakota policyholders can enjoy industry-exceeding 15% loyalty rewards for long-term coverage.
• Universal Life Policies: It's one of the best life insurance companies that allow long-term care withdrawals on universal and variable universal life insurance in North Dakota.

Cons

• Limited Final Expense: North Dakota seniors may be disappointed by the lack of final expense coverage options.
• Limited No-Medical Exam: Limited no-medical-exam availability compared to other North Dakota life insurance companies.

#7 – Lincoln Financial: Best for Customizable Plans

Pros

• Customizable Policies: Offers North Dakota families the most customizable policy structures, even if you need life insurance that covers clients who had open heart surgery.
• Long-Term Care: Offers customizable long-term care coverage with qualifying universal life insurance policies in North Dakota.
• Non-Smoker Discount: North Dakota life insurance policyholders who don't smoke receive an impressive 15% premium reduction.

Cons

• Limited Selection: Limited policy selection compared to other insurers serving North Dakota.
• No Final Expense: North Dakota seniors seeking final expense or no-medical-exam options must look elsewhere.

#8 – MassMutual: Best for Excellent Service

Pros

• Specialized Support: As one of the life insurance companies specializing in higher risk, it maintains specialized support teams for North Dakota life insurance customer service.
• Claims Satisfaction: MassMutual is among the top three companies for life insurance claims, ensuring North Dakota life insurance beneficiaries receive excellent service and quick payments.
• Non-Smoker Discount: MassMutual offers one of the highest non-smoker life insurance discounts in North Dakota at 15%.

Cons

• Higher Term Rates: Term coverage rates for North Dakota families start higher at $29 monthly.
• Limited Quick Coverage: North Dakota residents seeking quick coverage face limited no-medical-exam options.

#9 – Prudential: Best for Innovative Features

Pros

• Digital Integration: Pioneers digital health integration for North Dakota life insurance customers. Learn more in our Prudential insurance review.
• Non-Smoker Rewards: Offers North Dakota policyholders the highest non-smoker life insurance discount at 20%.
• Universal Life Plans: North Dakota customers can choose from a variety of universal life insurance plans that let them change premiums.

Cons

• Limited Whole Life: North Dakota families seeking whole life coverage find limited policy options.
• Claims Satisfaction: Prudential ranks well below the national average when it comes to processing North Dakota life insurance claims.

#10 – State Farm: Best for Local Agents

Pros

• Local Agent Network: As mentioned in our State Farm insurance review, it has the largest local agents serving North Dakota communities.
• #1 in Claims Satisfaction: State Farm is the best life insurance company in North Dakota for claims and beneficiary payments.
• Auto Payment Discount: North Dakota residents benefit from competitive 10% automatic payment discounts.

Cons

• Financial Rating: Financial rating stability concerns some North Dakota life insurance customers.
• Limited Quick Coverage: North Dakota families seeking immediate coverage face limited no-medical-exam options.

Compare North Dakota Life Insurance Costs

Life insurance rates in North Dakota vary significantly based on the type of policy you choose. Our analysis of the top 10 providers shows that term life insurance rates start as low as $20 per month with AIG, while whole life policies begin at $140 monthly.

Insurance Company	Term Policy	Whole Policy
	$25	$147
	$20	$140
	$22	$155
	$26	$150
	$29	$165
	$30	$170
	$28	$160
	$24	$145
	$23	$155
	$27	$160

These rates are based on a standard policy for a healthy 35-year-old non-smoker with $250,000 in coverage but serve as a starting point. Your premium might vary because of how age affects life insurance rates, along with your health history, coverage amount, or policy details.

Each company offers unique benefits that may explain its price. For example, North Dakota whole life insurance rates range from $140 to $170 monthly, with AIG offering the most affordable options and New York Life commanding premium rates for its comprehensive coverage and superior financial strength rating.

North Dakota Life Insurance Coverage Breakdown

Before choosing a provider in North Dakota for your life insurance, it's important to understand what each type of life insurance actually covers:

• Term Life Insurance: Provides coverage for a specific time period (10-30 years) with fixed premiums.
• Whole Life Insurance: Offers permanent, lifelong protection with fixed premiums and a guaranteed death benefit.
• Universal Life Insurance: Provides flexible lifetime coverage with adjustable premiums and death benefits.
• Final Expense Insurance: Designed specifically for end-of-life costs with modest coverage amounts ($5,000-$25,000).
• No-Medical-Exam Insurance: Allows you to qualify without physical examinations or lab work.

Looking at different life insurance policies across North Dakota? Here's a clear breakdown of what's available from top providers. Some specialize in specific coverage, while others provide a full range of options.

Insurance Company	Term Life	Whole Life	Universal Life	Final Expense	No-Medical-Exam
	✅	✅	❌	✅	✅
	✅	✅	✅	❌	✅
	✅	❌	❌	❌	❌
	✅	❌	✅	❌	❌
	✅	✅	✅	❌	❌
	✅	✅	✅	❌	❌
	✅	✅	✅	❌	❌
	✅	✅	✅	❌	❌
	✅	❌	✅	❌	❌
	✅	✅	✅	❌	❌

While every provider offers term life coverage, AARP stands out by providing all policy types — perfect for those wanting complete options. Need to skip the medical exam? Only AARP, AIG, and John Hancock offer this.

AARP offers unique final expense coverage, while most providers offer whole and universal life policies. Your best option depends on your needs.

Read More: Best Life Insurance Companies That Let You Pay by Money Order

How to Save Money on Life Insurance in North Dakota

Here's how much you can save with discounts across top providers when you apply for life insurance. Lincoln Financial and MassMutual lead with non-smoker discounts at 15%, while Prudential offers an impressive 20% discount.

Insurance Company	Non-Smoker	Healthy Lifestyle	Family History	Bundling	Loyalty
	10%	5%	10%	10%	3%
	10%	5%	8%	5%	4%
	10%	7%	5%	7%	5%
	15%	7%	12%	6%	3%
	15%	7%	6%	10%	6%
	10%	7%	10%	3%	4%
	10%	7%	20%	4%	3%
	10%	8%	10%	6%	5%
	20%	7%	20%	7%	5%
	8%	10%	15%	6%	4%

Northwestern Mutual and Prudential both offer exceptional family history discounts at 20%. MassMutual provides the best bundling savings at 10%, while State Farm also leads in healthy living discounts at 10%.

Combine these discounts to maximize your savings. You could cut your North Dakota life insurance rates by up to 50% with some providers.

Getting the Best Life Insurance in North Dakota

AARP, AIG, and John Hancock have the best life insurance in North Dakota, with AARP offering specialized senior-focused policies starting at $25 monthly.

Cathy must look for a job when her disabled husband loses his Medicaid coverage. A work-from-home reshipping job seems like the perfect opportunity, but it could end up putting their home in jeopardy. https://t.co/0WnYryZPE1

— AARP (@AARP) February 11, 2025

AIG provides the state's lowest term rates at $20 monthly, and John Hancock delivers up to 25% in wellness rewards through its Vitality Program.

Do you need life insurance in North Dakota? Remember that life insurance costs in North Dakota vary based on age, health, and coverage amount.

Compare multiple quotes online to find the best rates. Find cheap North Dakota life insurance companies by entering your ZIP code into our free quote comparison tool.