Life & Health Insurance

Coverage for Every Stage.

From protecting your family's future with life insurance to finding the right health plan for today, we help you navigate the options and secure coverage that fits your needs and budget.

4.8
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Trusted by families across Eastern North Carolina

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Any submissions or payments made via this website do not constitute a binding agreement to your policy or coverages. Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company. If you have any questions, please feel free to contact us.

From protecting your family's financial future to navigating Medicare and employee benefits, we help you find coverage that provides security at every stage of life.

Protect Your Family's Financial Future

Life insurance ensures your loved ones are taken care of when you're no longer here. Whether you need term coverage for specific years or permanent protection that builds cash value, we help you find the right policy to cover mortgages, education costs, and daily living expenses.

Find the Right Plan for Your Healthcare Needs

Navigating health insurance can be overwhelming. We simplify the process—helping individuals find affordable coverage and guiding Medicare-eligible clients through their options so you get the care you need without overpaying.

Attract and Retain Top Talent

Competitive benefits packages are essential for growing businesses. We design group health plans, life insurance, disability coverage, and retirement options that help you recruit the best employees while managing costs.

From New Bern to the coast, Eastern North Carolina trusts us with what matters most.

Independent agents who know your name, understand your needs, and fight for your best interests. Whether you're buying your first policy or managing complex coverage, we deliver the personal service and local expertise that online companies simply can't match.

After Nan helped me get the perfect health insurance coverage last month, Jordan Gauta helped me get the perfect auto insurance coverage today. I highly recommend The Insurance Center!

★★★★★

Teresa R.

I really appreciate the assistance Ali Cox gives me. I have been a client of your agency for eleven years now and I have to say her customer service is second to none…

★★★★★

Elaine J.

Customer service at The Insurance Center is top notch! Each time I deal with Jordan, she handles what I need very quickly and professionally. When I make a mess of things, she goes above and …

★★★★★

O. Hazzel

Definitely my first choice for insurance. Give them a call and they will help you choose the right policy’s and best rates for your insurance.

★★★★★

B. Elks

Toni Carr was terrific. She took the time to answer all of our questions and made it easy to make our decision. I have been in sales/customer service for many years and was particularly impressed …

★★★★★

B. Jerman

Sheri always goes above and beyond to make sure I have the best coverage that I can afford. I highly recommend Sheri, Nan and the insurance center.

★★★★★

Karen V.

Why Independent Insurance Makes the Difference

Personal Relationships

You're not just a policy number. Our agents know your name, your family, and your unique needs.

Multiple Carrier Options

We shop dozens of top-rated insurers to find you the best coverage at the best price.

Local Claims Advocacy

When you need to file a claim, we're your advocate with the insurance company—not the other way around.

Medicare Expertise

Navigating Medicare is confusing. We simplify enrollment and help you choose the right plan.

Employee Benefits Design

We build competitive benefits packages that attract talent without breaking your budget.

Annual Policy Reviews

Life changes fast. We review your coverage yearly to make sure you're always protected.

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Your Life & Health Insurance Questions, Answered.

Whether you're exploring life insurance options, enrolling in Medicare, or building benefits for your team, we're here to help you understand your options. Can't find what you're looking for? Give us a call at (252) 637-4173.

How much life insurance do I actually need?

A common guideline is 10-12 times your annual income, but the right amount depends on your debts, number of dependents, future expenses like college tuition, and your family's lifestyle. Our agents help you calculate coverage that truly protects your loved ones.

What's the difference between term and whole life insurance?

Term life covers you for a specific period (10, 20, or 30 years) at lower premiums. Whole life provides permanent coverage with a cash value component that grows over time. Term works for temporary needs like paying off a mortgage; whole life is better for lifelong protection.

When can I enroll in Medicare?

Your initial enrollment period begins three months before you turn 65 and ends three months after. Missing this window can result in penalties and gaps in coverage. We help you understand your options and enroll on time.

What's the difference between Medicare Advantage and Medicare Supplement plans?

Medicare Advantage (Part C) replaces Original Medicare with an all-in-one plan that often includes prescription drugs and extra benefits. Medicare Supplement (Medigap) works alongside Original Medicare to cover out-of-pocket costs. Each has pros and cons depending on your healthcare needs.

Can I get health insurance if I'm self-employed?

Yes. We help self-employed individuals find individual health plans through the marketplace or private carriers. Depending on your income, you may qualify for subsidies that significantly reduce your monthly premiums.

What employee benefits should my small business offer?

At minimum, group health insurance is the most requested benefit. Beyond that, life insurance, dental, vision, disability coverage, and retirement plans help you compete for talent. We design packages that fit your budget while meeting employee expectations.

Protect Your Future Today