Life Insurance in North Carolina

Do you need life insurance? Do you own property? Do you have people dependent on you? If so, then the answer is an unequivocal yes! Wayne Realty & Insurance Co., Inc. in Goldsboro, NC, is the place to go for all your life insurance needs!

Life can be unpredictable. No one can be sure if an unexpected illness or accident will debilitate someone or even end their life. Even in calm and relatively safe cities like Goldsboro, NC, tragedy can strike. It would be best for anyone who might be dependent on you to ensure that they will be cared for in the event that you no longer can. The good people at Wayne Realty and Insurance Co., Inc. will be happy to help you find the policy that best fits your needs.

North Carolina laws regarding life insurance are meticulous, so you should be too. Please be scrupulously honest in answering all questions as misrepresentation will result in a loss of coverage. By North Carolina statute, death caused by intoxication whether by narcotics or alcohol can result in the voiding of a life insurance policy. If your policy is issued by your employer, it will be governed by federal law under Employment Retirement Income Security Act.

Any lawsuits regarding ERISA can be handled in federal court. Under North Carolina law, employers are not obliged to provide life insurance but if group life insurance is a benefit, there are minimum requirements to be satisfied. North Carolina residents are also guaranteed a 10 day period to return the policy for a refund. Also protected by law is that the policy will be in plain English with no jargon so that there's no room for misunderstanding. There is a grace period required for a minimum of 30 days that begins when a premium is due.

Life Insurance comes in many forms including term, whole, and universal coverage. To find out about the different policies available to you, contact one of our North Carolina agents at Wayne Realty & Insurance Co., Inc. Also, contact us for quotes on your policy or, if you are looking for home and auto insurance quotes, try our online rating tool.