North Dakota Life Insurance: The Basics

North Dakota life insurance regulations mostly concern claims issues. However having a basic understanding of these regulations is still a good idea.

Premiums can vary by as much as 50%. Visit Netquote, where you can fill out a short form, select a plan, and input your personal data for a true personalized quote in minutes. Click here to start.

Use Insurecom to compare additional term life and whole life quotes, and get expert advice from an agent in your area, who can help you design a plan that's right for you. Click here to fill out a quick form.

North Dakota life insurance state regulations

Basic state regulations:

  • A 20-day "free look" period.
  • North Dakota insurance companies are also obligated to settle claims within two months of receiving proof of death.
  • Insurance companies are not obligated to honor claims where suicide is the cause of death in the first year.
  • Misstatements are grounds for policy cancellation.

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To apply for a North Dakota term life insurance policy, or if you just want a quick online quote, visit Netquote now.
If you are not sure about what type of life coverage you want, you can also try Insurecom. They will put you in touch with agents who can answer any questions that you might have.

The North Dakota Life Insurance Association

Your insurance company must be licensed in North Dakota to qualify for the protection under this association. You can check by calling the North Dakota Department of Insurance at (701) 328-2440 for this information.

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Apply now for a quote at Netquote
(for North Dakota term life insurance), or Insurecom.
All quotes are from licensed insurers in North Dakota.

Additional ND life insurance information

To get the best price on your ND life insurance policy, start with our guide to term life insurance or sign-up for our free life insurance course (see below).

For more information on ND life insurance laws and regulations, visit the state's official website of the North Dakota Department of Insurance.

For more help . . .

Getting the lowest possible premium on your life insurance is almost like an art form. There are many variables to consider, and to get the right balance of term length, benefit amounts, and policy riders and illustrations, you need to take a careful step-by-step approach to the buying process.

Our free life insurance course is designed to help you do just that.

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