New Hampshire Life Insurance

Compare personalized life insurance rates in New Hampshire

Life Insurance in New Hampshire

It’s always wise to have life insurance in New Hampshire as it can help you to meet your loved one's needs, but finding the best fitting life insurance seems hard to do. Do you want whole or term life insurance in New Hampshire and does cheap life insurance actually meet your needs? Don’t worry, instead of using our smart wizard and these tips to help you compare life insurance plans in New Hampshire with accuracy and clarity.

New Hampshire Life Insurance Quotes

To find a policy that fits your needs, you need to request New Hampshire life insurance quotes from the companies you hope to work with. Don’t use a basic life insurance calculator unless it provides actual quotes from all providers. That’s the problem though, most do not, and life insurance rates in New Hampshire are varied. That makes it hard for you to find competitively priced plans that fit your goals. Our smart wizard lets you compare options and teaches you how to get the best rates for life insurance in New Hampshire.

Life Insurance Companies in New Hampshire

There are over 40 life insurance companies in New Hampshire, but most residents do not know these companies. Many are not easily able to find, but some of those lesser-known-companies offer great rates and coverage options. You’ll want to compare them all.


Also, remember that life insurance companies in New Hampshire use a wide range of data to determine what to charge you. That data changes from one company to the next – meaning so do your rates. Did you know, for example, that some insurers put more value on marriage than others? In New Hampshire, 53.8 percent of the population is married and may qualify for this type of discount. The trick is to know about it.

How to Get the Best Rates for Life Insurance in New Hampshire


The only way to know what your options are, then, is to request quotes. Yet 40 quotes are time-consuming, and it becomes costly. Some life insurance agents may offer better access to options, but they don’t have any reason to tell you about the lowest rates. was designed to help you with this problem. When you add your zip code and your information here, it produces a list of all the insurers in your area of New Hampshire that offer policies that meet your needs. That saves you time and puts the most affordable policies in front of you.


<zipcode>Find The Cheapest Life Insurance In New Hampshire</zipcode>


How Are Life Insurance Rates Calculated in New Hampshire?

This is a key question many people have to answer, and it is a hard one to answer. Life insurance companies base their rates on data pulled over the years. Bluntly, they want to know how likely you are to live a longer life. If you are likely to live longer, you qualify for lower insurance rates. These data points are the most common ones they use.


Age is everything, and that’s a concern for some people in New Hampshire. Only 11.7 percent of the population in New Hampshire is between the ages of 25 and 34 – which is also the perfect time to find low-cost life insurance to buy.


Data also provides clear evidence that, on average, women live a longer life. They also tend to engage in fewer reckless decisions and take care of their health. This helps the 50.51 percent of the population in New Hampshire that are female to get lower life insurance rates.

Weight and Health Background

Your health can be a big factor in what you pay for life insurance. Specifically, insurers want to know if you have any pre-existing conditions, such as diabetes. In 2017, 8.4 percent of adults in New Hampshire did. That’s low compared to the rest of the country. They also want to see any evidence of risk factors for developing such conditions. In New Hampshire that year, 28.1 percent of adults were obese, and 30 percent had hypertension – all risks factors that can increase your costs.

Job and Profession

You may not say you put your life on the line when you go to work, but if your profession leads to a high risk of injury or accidents, your life insurance costs are likely to be higher. In New Hampshire, some of the largest employers are in these fields, including in manufacturing, farming, and energy work.


Would you say your live an active and risky lifestyle? In New Hampshire, that may not seem common, but things like tobacco use, drinking, and alcohol can be a concern. In 2016, this became evident. Out of 100,000 deaths, 37.1 of them were related to drug use, and 13.2 were related to alcohol use, some of the highest rates in the country.

Criminal Record

Do you have a criminal record? That could increase your costs in life insurance, too. Violent crimes and driving under the influence are some of the most common reasons for increased costs here.

Life Insurance Policy in New Hampshire - Compare the Best Plans

Always look for life insurance that meets your specific needs. In New Hampshire, these are the most common policies.

Term Life Insurance

Term stays in place for the number of years you buy the policy for, usually between 20 and 30. If you die during that time, the policy pays a beneficiary the dollar amount of coverage you purchased – called the death benefit.

Whole Life Insurance

Your whole life insurance options are going to provide long term coverage that extends most of your life. As long as you continue to pay for it, this policy remains in place.

Universal Life Insurance

Some people who buy life insurance want to see some benefits during their life. That’s an option here with universal life. It pays you a set amount of money if you die while the policy is in place, but also builds up a cash value if the underlying investments do well.

Family Life Insurance

Considering buying life insurance for everyone in your household? A family life insurance plan can help you to do so while keeping costs lower.

Group Life Insurance

Consider a group life insurance plan if you are like many people who want a low-cost option. It may be available through your employer, but it tends to offer limited coverage. Add more coverage to this to meet your family’s needs.

Life Insurance for Kids

A children’s life insurance plan can be an affordable way to cover your finances of this type of horrible incident occurs. It’s valuable to your peace of mind as well.


As you consider’s smart matching tool, remember that this provides multiple results with accurate quotes. Try it out – enter your zip code and then answer a few questions to get quotes.


<zipcode>Find The Cheapest Life Insurance In New Hampshire</zipcode>