North Dakota Term and Universal Life Insurance

North Dakota Life Insurance Resources

Whole Life Insurance is permanent life insurance protection for your entire life, usually to age 100. A Whole Life policy is contractually guaranteed not to lapse, provided that you pay sufficient premiums each year to keep the policy in force. Besides permanent North Dakota Term and Universal Life Insurance lifetime insurance protection, Whole Life Insurance features a savings element that allows you to build cash value on a tax-deferred basis. A portion of the premiums you pay build up the savings element of the policy and are invested by the company. The interest rate return on your investment is added to the savings portion of the policy. This is how the policy builds cash value. In addition to crediting your policy with interest, “participating” policies issued by mutual insurance companies may also give you the opportunity to earn dividends. Dividends are a NON-guaranteed return of part of the premium intended to reflect a company‚Äôs favorable operating experience.

North Dakota Department of Insurance – The state insurance department website includes consumer and licensee resources including a listing of all licensed life insurance agents and companies which make up the North Dakota Life insurance market.

North Dakota Life & Health Insurance Guaranty Association The state life insurance guaranty association works to guarantee the safety of all North Dakota Life Insurance coverage, even in the face of an insolvency by a member life insurance company.


North Dakota Life Insurance Company Ratings AM Best is the most prominent ratings company reviewing North Dakota Life Insurance Companies based on their ability to pay claims. At Life Insurance.Net we work only with A and A+ rated life insurance companies..
Life Insurance Carrier Ratings

Here is a complete list of the State Departments of Insurance

Learn more about our wonderful state. Check out Netstate’s North Dakota State Almanac
Our life insurance agents service all communities in North Dakota including:

  • Fargo
  • Bismarck
  • Grand Forks
  • Minot
  • West Fargo

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