--- title: Life Insurance in North Dakota: Quotes and State Rules url: https://coverfolk.com/states/north-dakota updated: 2026-10-08 --- # Life insurance in North Dakota Free quotes from licensed North Dakota agents, plus the state rules that protect you, in plain words. [Call free (888) 635-3511](tel:+18886353511)[Your rights](#rights) Calls are recorded and may be shared with a licensed agent. Updated October 8, 20266 sources[Fact checked](/editorial-standards) North Dakota The short answer In North Dakota, you get at least 20 days to return a new life policy for a refund, a 31 day grace period if you miss a payment, and up to $300,000 of protection if your insurance company fails. ## Your rights in North Dakota Free look : 20 daysReturn a new policy for a full refund. Grace period : 31 daysCoverage stays on while you catch up. Safety net : $300,000Death benefit protection. Cash value: $100,000. State help line : [701-328-2440](tel:7013282440)North Dakota Insurance Department 20 days after delivery for an individual life policy, with the premium refunded (N.D. Cent. Code 26.1-33-02.1). 31 days for every premium after the first (N.D. Cent. Code 26.1-33-05). * North Dakota gives you 20 days to look over a new life policy and return it for a refund, longer than the 10 days many states give (N.D. Cent. Code 26.1-33-02.1). * If you die during the grace period, the overdue premium can be taken out of the payout (N.D. Cent. Code 26.1-33-05). ## Who lives in North Dakota About 799,000 people live in North Dakota. We help people in Fargo, Bismarck, Grand Forks and the towns in between. **62.9%**of homes are lived in by the owner. Median value $249,900. **18.1%**of people are 65 or older **42,380**veterans live here **$76,657**median household income Census QuickFacts, American Community Survey 2020 to 2024. The 65 and over share is a Census population estimate for July 1, 2025. ## What people in North Dakota look for **Mortgage protection** With 62.9% of homes owned and a median value of $249,900, a lot of families want the house covered. [More on mortgage protection](/coverage/mortgage-protection) **Final expense** 18.1% of people here are 65 or older. A small policy keeps funeral costs off your family. [More on final expense](/coverage/final-expense) **Term life** The lowest price for the most coverage while the kids are young. [More on term life](/coverage/term-life) **Veterans** 42,380 veterans live in North Dakota. See what goes beyond VGLI. [More on veterans](/jobs/veterans) ## Common questions in North Dakota What is the free look period for life insurance in North Dakota? North Dakota gives you at least 20 days to review a new individual life policy and return it for a refund. 20 days after delivery for an individual life policy, with the premium refunded (N.D. Cent. Code 26.1-33-02.1). Source: [North Dakota free look law](https://ndlegis.gov/cencode/t26-1c33.pdf) What happens if I miss a payment in North Dakota? North Dakota law gives at least a 31 day grace period. 31 days for every premium after the first (N.D. Cent. Code 26.1-33-05). Source: [North Dakota grace period law](https://ndlegis.gov/cencode/t26-1c33.pdf) What if my life insurance company goes out of business in North Dakota? The North Dakota Life & Health Insurance Guaranty Association steps in. It protects up to $300,000 in death benefits and $100,000 in cash value, per insured person, as of June 2025. Source: [North Dakota Life & Health Insurance Guaranty Association](http://www.ndlifega.org) · [NOLHGA: how you are protected](https://nolhga.com/policyholders/how-youre-protected/) Who regulates life insurance in North Dakota? The North Dakota Insurance Department. You can call its consumer help line at 701-328-2440 or visit www.insurance.nd.gov to check an agent's license or file a complaint. Source: [North Dakota Insurance Department](https://www.insurance.nd.gov) Can I get a life insurance quote online in North Dakota? Yes. Coverfolk works with licensed agents in North Dakota. Answer a few questions, confirm your phone with a text code, and an agent shows you real prices. It is free. Source: [North Dakota Insurance Department](https://www.insurance.nd.gov) Are you a licensed agent? [Buy North Dakota insurance leads on Dial Haul](https://dialhaul.com/states/north-dakota/). ## Sources 1. [Census ACS 2020-2024 5-year profiles, North Dakota (data.census.gov)](https://data.census.gov/table/ACSDP5Y2024.DP04?g=040XX00US38) 2. [NOLHGA: How You're Protected (coverage as of June 1, 2025)](https://nolhga.com/policyholders/how-youre-protected/) 3. [NOLHGA: Contact My Guaranty Association](https://nolhga.com/policyholders/contact-my-guaranty-association/) 4. [NAIC Model Law Chart LI-30, Life Insurance Disclosure (Fall 2023)](https://content.naic.org/sites/default/files/model-law-chart-li-30-life-insurance-disclosure-provisions.pdf) 5. [N.D. Cent. Code ch. 26.1-33 (life policy return and grace period)](https://ndlegis.gov/cencode/t26-1c33.pdf) 6. [North Dakota Insurance Department: Contact Us](https://www.insurance.nd.gov/about-us/contact-us) 7. [North Dakota Insurance Department](https://www.insurance.nd.gov) 8. [North Dakota Life & Health Insurance Guaranty Association](http://www.ndlifega.org) This is a plain summary of state rules, not legal advice. Your policy and the law control. Call the North Dakota Insurance Department if you have a problem with a company or agent. Questions? [Call free (888) 635-3511](tel:+18886353511). Answered 24/7. More for North Dakota ## More North Dakota guides [Final expense in North Dakota](/states/north-dakota/final-expense)[Mortgage protection in North Dakota](/states/north-dakota/mortgage-protection)[Funeral costs in North Dakota](/funeral-costs/north-dakota)[En español](/es/estados/north-dakota) Questions? [Call free (888) 635-3511](tel:+18886353511). Answered 24/7. 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