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 no-medical-exam options 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	UBI Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	10%	A++	Senior Focus	AARP
	#2	8%	A	Flexible Policies	AIG
	#3	10%	A+	Wellness Rewards	John Hancock
	#4	8%	A++	Financial Strength	New York Life
	#5	8%	A++	Comprehensive Options	Northwestern Mutual
	#6	11%	A+	Competitive Pricing	Pacific Life
	#7	10%	A+	Customizable Plans	Lincoln Financial
	#8	8%	A++	Excellent Service	MassMutual
	#9	10%	A+	Innovative Features	Prudential
	#10	17%	A++	Local Agents	State Farm

North Dakota residents can maximize savings through multiple discounts, including up to 30% for non-smokers with MassMutual and 20% loyalty rewards from Prudential. If you’re looking for affordable life insurance premiums, try our comparison tool and find the cheapest coverage that fits your needs.

What You Should Know

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

#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: Unique 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 for UBI, healthy lifestyle, and loyalty.

Cons

• High Premiums: Whole-life premiums in North Dakota are relatively high at $147 monthly, which may strain fixed-income budgets.
• 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: North Dakota's insurance marketplace 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 an industry-leading 25% non-smoker discount program.

Cons

• Low UBI Discount: Their 8% UBI discount for insurance savings falls below the North Dakota market average.
• No Final Expense: Lack of final expense coverage may disappoint senior policyholders in the Peace Garden State.

#3 – John Hancock: Best for Wellness Rewards

Pros

Vitality Program:** It's Vitality Program is a Leading North Dakota insurance innovation offering up to 25% in wellness-based savings (Read More: Get Discounts From These Life Insurance Companies for Being Healthy).

• Streamlined Process: Streamlined application process through comprehensive no-medical-exam options for state residents.
• Competitive Rates: Term life rates are competitive with other top providers 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 Peace Garden State residents seeking final expense coverage.

#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 Peace Garden State families special insurance packages and modified life insurance that other companies do not offer.
• Consistent Discounts: Consistent 10% discount structure across multiple categories for North Dakota insurance customers.

Cons

• Higher Term Rates: Term life coverage in the state 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 Range: Peace Garden State residents can choose from a wide range of policies, which include each primary insurance type. It's also 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: This innovative wellness program offers up to a 20% discount to state residents on healthy lifestyles.

Cons

• Higher Term Rates: Monthly premiums for North Dakota term coverage start at $28, among the higher rates statewide.
• Low Tech Discount: The Peace Garden State'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 insurance carriers serving North Dakota families.
• Tech Forward: Tech-forward 11% UBI discount leads regional savings opportunities for state residents.
• Loyalty Rewards: As part of the life insurance companies that allow long-term care withdrawals, North Dakota policyholders can enjoy industry-exceeding 15% loyalty rewards for long-term coverage.

Cons

• Limited Final Expense: Peace Garden State 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 insurance providers.

#7 – Lincoln Financial: Best for Customizable Plans

Pros

• Customizable Policies: Offers North Dakota families the most customizable policy structures in the regional market. Lincoln Financial also cover clients that had open heart surgery.
• Bundling Discount: Peace Garden State residents enjoy the highest bundling discount at 15% when combining policies.
• Non-Smoker Discount: State policyholders who don't smoke receive an impressive 25% premium reduction.

Cons

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

#8 – MassMutual: Best for Excellent Service

Pros

• Non-smoker Discount: As one of the life insurance companies specializing in higher risk, it also offers Peace Garden State's highest non-smoker discount at 30%, leading the regional market.
• Specialized Support: Maintains specialized support teams for North Dakota policy servicing and claims.
• Universal Life Options: Comprehensive universal life options give state residents maximum premium flexibility.

Cons

• Higher Term Rates: Term coverage rates for North Dakota families start higher at $29 monthly.
• Limited Quick Coverage: Peace Garden State 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's insurance marketplace. Learn more about this integration in our Prudential insurance review.
• Loyalty Rewards: Offers state residents the region's highest loyalty rewards at 20%.
• Universal Life Plans: Peace Garden State customers have universal life insurance plans that let them change premiums.

Cons

• Limited Whole Life: North Dakota families seeking whole-life coverage find limited policy options.
• No Final Expense: Regional customers seeking final expense coverage need alternative providers.

#10 – State Farm: Best for Local Agents

Pros

• UBI Discount: Leading the Peace Garden State with a 17% UBI discount for tech-savvy policyholders.
• Local Agent Network: As mentioned in our State Farm insurance review, it has the largest local agents serving North Dakota communities.
• Auto Payment Discount: State residents benefit from competitive 10% automatic payment discounts.

Cons

• Financial Rating: B rating raises stability concerns among North Dakota insurance providers.
• Limited Quick Coverage: Peace Garden State 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 insurance providers in the Peace Garden State shows that term life insurance rates start as low as $20 per month with AIG, while whole life policies begin at $140 monthly. These rates are based on a standard policy for a healthy 35-year-old non-smoker with $250,000 in coverage.

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 serve as essential starting points. Your premium might vary because of factors like age, health, coverage amount, or policy details. AIG offers the best term rate at $20 per month, while New York Life starts at $30. Each company offers unique benefits that may explain its price.

For whole-life policies, rates range from $140 to $170 monthly, with AIG offering the most affordable options and New York Life commanding premium rates for their comprehensive coverage and superior financial strength rating.

North Dakoa Life Insurance Coverage Breakdown

Looking at different life insurance policies across North Dakota? Here's a clear breakdown of what's available from top providers. Each company offers different policy types - 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

Save on Your Life Insurance in North Dakota

Here's how much you can save with discounts across top providers when you apply for life insurance. MassMutual leads with the highest non-smoker discount at 30%, while John Hancock rewards healthy lifestyles with a 25% discount.

Insurance Company	Non-Smoker	Healthy Lifestyle	Bundling	Loyalty	Automatic Payment
	15%	10%	10%	10%	5%
	25%	15%	10%	15%	10%
	20%	25%	10%	10%	5%
	25%	20%	15%	10%	10%
	30%	20%	15%	10%	10%
	20%	15%	10%	10%	5%
	15%	20%	10%	15%	5%
	20%	15%	10%	15%	5%
	15%	10%	15%	20%	10%
	20%	15%	10%	10%	10%

Lincoln Financial, MassMutual, and Prudential offer the best bundling savings at 15%. Prudential stands out with a 20% loyalty discount, the highest among all providers. AIG, Lincoln Financial, MassMutual, Prudential, and State Farm offer a competitive 10% discount for automatic payments. Combine these discounts to maximize your savings - you could cut your premium by up to 50% with some providers.

Getting the Best Life Insurance in North Dakota

AARP, AIG, and John Hancock lead the best life insurance in North Dakota, with AARP offering specialized senior-focused policies starting at $25 monthly, AIG providing the state's lowest term rates at $20 monthly, and John Hancock delivering up to 25% in wellness rewards through their Vitality Program.

North Dakota residents who need life insurance should compare multiple quotes online to find the best rates. Remember that life insurance costs in the Peace Garden State vary based on age, health, and coverage amount.

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

Getting quotes from several providers helps you find the right balance of coverage and cost. Find cheap life insurance quotes by entering your ZIP code into our free quote comparison tool.