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Independent North Carolina Life Insurance Broker Serving Families Statewide
I'm Brandon Eason, an independent North Carolina life insurance broker licensed by the NC Department of Insurance. Looking for a North Carolina life insurance agent? As an independent agent and broker, I work with multiple carriers, so I can compare options for you instead of offering just one company's policies.
Term Life Insurance
Affordable coverage for a set number of years, such as 10, 20, or 30, while your family depends on your income.
Final Expense Insurance
A smaller whole life policy to help your family cover funeral, burial or cremation, and final bills.
Coverage I Help North Carolinians Compare
Mortgage Protection
Life insurance matched to your home loan, so your family has money to pay off the mortgage or keep up with payments.
Permanent Life Insurance
Coverage designed to last your lifetime, with the option to build cash value over time.
North Carolina by the Numbers
$370,000
Statewide median home sales price in North Carolina, September 2026
10 days
Minimum free-look period on new life insurance policies in North Carolina (20 days for replacements)
47%
Share of U.S. adults who say they would have trouble paying living expenses within six months of losing the primary wage earner
Sources:
NC REALTORS, September 2026 NC Housing Report; NC Department of Insurance; LIMRA and Life Happens, 2025 Insurance Barometer Study.
Why Work With an Independent North Carolina Broker
Multiple Carriers, One Conversation
I'm not tied to one insurance company, so I can compare options from multiple carriers and show you the choices side by side.
Licensed in North Carolina
I hold a North Carolina life insurance producer license. You can verify it any time with the NC Department of Insurance agent lookup. My National Producer Number is 15762101.
Statewide by Phone or Video
From Charlotte and the Triangle to the Triad, the mountains, and the coast, we can meet by phone or video at a time that works for you.
Plain English, No Pressure
I explain how each policy works, what it costs, and what it does not cover, so you can decide what's right for your family.
North Carolina Life Insurance Questions
How do I check that an insurance agent is licensed in North Carolina?
Use the agent lookup linked from the NC Department of Insurance, or call NCDOI toll-free at 855-408-1212. You can search by the agent's name or National Producer Number. Mine is 15762101.
What is the free-look period for life insurance in North Carolina?
North Carolina requires at least a 10-day free-look period on new life insurance policies, and at least 20 days when a policy replaces one you already have. If you return the policy during that time, your premium is refunded.
What happens if I miss a premium payment?
North Carolina requires individual life insurance policies to include a 31-day grace period for premiums after the first. Your death benefit coverage stays in force during the grace period, but contact your insurer or me right away so the policy does not lapse.
How much life insurance do I need?
It depends on your income, debts, mortgage, and the people who rely on you. With North Carolina's median home price at $370,000, many homeowners start with their mortgage balance and add income replacement. Try the calculator on my Coverage Calculator page for an estimate.
Is life insurance through my job enough?
It may help, but workplace coverage often doesn't move with you if you change jobs or retire, and the amount may not cover your mortgage and income needs. Many people add an individual policy they own.
Do I need to live near Richmond to work with you?
No. I'm based in the Richmond, Virginia area and work with families anywhere in North Carolina by phone or video. I'm also licensed in Virginia, Maryland, and Washington, DC.
Do I pay you for a coverage review?
You don't pay me a fee, and there is no obligation to buy. If you choose a policy, I'm paid by the insurance company you select.
What is the difference between a life insurance agent and a broker?
People often use the words interchangeably. A captive agent usually represents one insurance company. As an independent agent, I work with multiple carriers, so I can compare coverage and prices and help you choose.
Talk With a North Carolina Life Insurance Broker
A no-pressure coverage review is the easiest way to see what coverage fits your family and your budget. I work with North Carolinians by phone or video, on your schedule.