Why Does Life Insurance Cost So Much In North Carolina? 
Life insurance costs in North Carolina are based on the risk of the person purchasing the policy . If the applicant has a health condition , is elderly , smokes , has multiple recent traffic violations , has a trip planned to an unsafe country , participates in dangerous hobbies , or has had recent drug/alcohol treatment , their rates will be higher than for someone with very little risk . To find your lowest life insurance rates in North Carolina , you can go to an office or visit a website that sells life insurance in North Carolina . Input your information for a free , instant quote to see if a quote comes up for North Carolina residents . 