Life Insurance in Charlotte, Concord & Kannapolis, NC
Local licensed agents helping North Carolina families find affordable Term Life, Whole Life, and Final Expense insurance. No cost consultations. Compare multiple carriers. Get covered today.
Coverage Options for Every Stage of Life
Whether you need affordable coverage for your family, permanent protection, or help with final expenses — our licensed local agents compare multiple carriers to find you the best option.
Term Life Insurance
Provides pure life insurance coverage for a set period — typically 10, 20, or 30 years. The most affordable way to protect your family during your working years, mortgage, or while raising children.
- ✓Lower monthly premiums than whole life
- ✓Coverage amounts from $100K to $1M+
- ✓Best for young families & homeowners
- ✓Simple to understand & budget for
- ✓Multiple term lengths available
Whole Life Insurance
Permanent life insurance that never expires as long as premiums are paid. Builds cash value over time that you can borrow against. The most comprehensive protection for your family.
- ✓Coverage that lasts your entire lifetime
- ✓Builds guaranteed cash value over time
- ✓Premiums never increase
- ✓Can borrow against cash value
- ✓Best for long-term family protection
Final Expense Insurance
Also called burial insurance — designed to cover funeral costs, burial expenses, and outstanding medical bills. Easier to qualify for than traditional life insurance, often with no medical exam required.
- ✓Coverage from $5,000 to $25,000
- ✓No medical exam in most cases
- ✓Permanent coverage that never expires
- ✓Easier to qualify for older applicants
- ✓Covers funeral, burial & medical bills
Why Work With a Local Life Insurance Agent in NC?
Shopping for life insurance online can feel overwhelming. Dozens of carriers, confusing policy terms, and rates that vary wildly depending on your age, health, and coverage needs. Right Choice Insurance simplifies the process by doing all the comparison work for you — with a licensed local agent you can actually talk to.
Our life insurance agents Mark Mullinax (serving Concord and the Charlotte area) and Debbie Lewis (serving Kannapolis and Rowan County) compare multiple carriers and policy types to find you the best coverage at the most competitive rate — with no cost for the consultation.
Whether you are a young family looking for affordable term life coverage, a homeowner who wants to protect your mortgage, or a senior looking for final expense insurance to spare your family the burden of funeral costs — our agents will take the time to understand your situation and find the right fit.
Right Choice Insurance serves clients across all of North Carolina. Our primary offices are in Charlotte (2709 Central Ave), Concord (870 Concord Parkway N), and Kannapolis (670 N. Cannon Blvd). Walk-ins are always welcome.
🎯 Why Choose Right Choice Insurance?
- ✓No cost consultation — Our agents are compensated by carriers, not by you
- ✓Multiple carriers compared — We shop across many companies to find your best rate
- ✓Local agents — Meet face to face at our Charlotte, Concord, or Kannapolis office
- ✓All product types — Term Life, Whole Life, and Final Expense in one place
- ✓Licensed in NC — All agents are fully licensed North Carolina insurance professionals
- ✓Plain language explanations — We explain every policy clearly so you feel confident in your choice
- ✓7,000+ clients served — Over a decade of helping NC families find the right coverage
Meet Your Local Licensed Life Insurance Agents
Call the agent closest to you. Both Mark and Debbie are licensed life insurance specialists who will compare multiple carriers and find you the best coverage at the best rate — at no cost.
Mark Mullinax
Mark is a top-performing licensed insurance agent serving Concord, Cabarrus County, Charlotte, and the surrounding region. With 5+ years of experience and over 300 enrollments per year across health and life products, Mark brings deep knowledge of the insurance landscape and a commitment to getting his clients the best coverage at the right price.
Debbie Lewis
Debbie is a licensed insurance agent serving Kannapolis, Landis, China Grove, Rockwell, Salisbury, and all of Rowan County. She helps families find the right life insurance coverage to protect their loved ones, with a focus on making the process simple, honest, and stress-free. Debbie also specializes in ACA health insurance for Kannapolis area residents.
How to Get Life Insurance Coverage in NC
Our agents make it simple. One conversation is all it takes to find the right policy for your family and budget.
Call Your Local Agent
Call Mark at (704) 886-1886 for Concord/Charlotte, or Debbie at (980) 247-2220 for Kannapolis/Rowan County. Walk-ins always welcome.
Tell Them What You Need
Your agent asks about your age, health, family situation, budget, and coverage goals. No judgment — just information gathering to find your best options.
Compare Multiple Carriers
Your agent compares rates and policy options across multiple insurance carriers — term life, whole life, final expense — to find the best fit.
Apply & Get Covered
Your agent handles the application. Many policies are approved quickly. Some final expense policies provide coverage the same day you apply.
Life Insurance FAQs for North Carolina Residents
What types of life insurance do you offer in NC?
Right Choice Insurance offers Term Life Insurance, Whole Life Insurance, and Final Expense (burial) insurance to individuals and families across Charlotte, Concord, Kannapolis, and all of North Carolina through licensed local agents Mark Mullinax and Debbie Lewis.
How much does life insurance cost in North Carolina?
Costs vary by age, health, coverage amount, and policy type. A healthy 30-year-old can typically get $500,000 in term life coverage for under $30/month. Final expense insurance starts around $20-$50/month. Our agents compare carriers to find your best rate at no cost to you.
What is final expense insurance and who needs it?
Final expense insurance (burial insurance) covers funeral costs, burial, and outstanding medical bills. It typically provides $5,000–$25,000 in coverage, requires no medical exam in most cases, and is designed for individuals aged 50+. It protects your family from unexpected end-of-life costs.
What is the difference between term life and whole life?
Term life covers you for a fixed period (10, 20, or 30 years) and is the most affordable option for most families. Whole life provides permanent, lifetime coverage and builds cash value over time. Our agents explain both clearly so you can choose what fits your needs and budget.
Which agent do I call for life insurance in Concord or Charlotte?
For the Concord, Cabarrus County, and Charlotte area call Mark Mullinax at (704) 886-1886. For the Kannapolis, Rowan County, and surrounding area call Debbie Lewis at (980) 247-2220.
Do I need a medical exam to get life insurance?
Not always. Many term life policies with lower coverage amounts, and most final expense policies, do not require a medical exam. Your agent will let you know exactly what is required for the best options available to you based on your age and health.
How much does it cost to get a life insurance quote?
Nothing. Our consultation and quote comparison service is completely at no cost to you. Our agents are compensated by the insurance carriers when you enroll in a policy. There is never a fee for their time and expertise.
Can I get life insurance and health insurance from the same agent?
Yes. Both Mark Mullinax and Debbie Lewis are licensed for both life insurance and ACA Marketplace health insurance. Many of their clients get both products together, making it easy to manage all of your coverage needs with one local trusted agent.
ACA Marketplace Health Insurance
Many NC residents qualify for $0 premium ACA Marketplace health plans. Our agents check your eligibility at no cost.
Learn More →Medicare Plans
Turning 65 or already on Medicare? We help you compare Medicare Advantage and Supplement plans across carriers.
Learn More →Concord Office
870 Concord Parkway N • Mark Mullinax serves Concord, Harrisburg & Cabarrus County.
Visit Page →Kannapolis Office
670 N. Cannon Blvd • Debbie Lewis serves Kannapolis, Landis, China Grove & Rowan County.
Visit Page →Ready to Protect Your Family?
Talk to a local licensed agent. No cost. No pressure. Just honest advice and the best coverage for your situation. Call the agent closest to you or walk into any of our NC offices.
Mark Mullinax
Concord • Cabarrus County • Charlotte Area
870 Concord Parkway N, Concord
Debbie Lewis
Kannapolis • Rowan County • Landis • China Grove
670 N. Cannon Blvd, Kannapolis