Term Life Insurance
Affordable protection for a set period (10–30 years). Ideal for income replacement, mortgage protection, and young families.
- Lowest cost per dollar of coverage
- Custom term lengths & riders
- Fast underwriting options available
North Carolina • Insurance
Protect Your Family. Secure Your Future.
Independent, local guidance for Life Insurance (Term, Whole, IUL) and ACA Health plans. Compare options transparently and choose the coverage that fits your life and budget.
Veteran-Owned
Local • North Carolina
Independent Agency
Life Insurance Plans for North Carolina Families
Simple explanations. Clear choices. We help you compare coverage from top carriers and select what fits your goals.
Whole Life Insurance
Lifetime protection with guaranteed premiums and cash value. Often used for legacy planning and final expenses.
- Fixed premiums that never increase
- Guaranteed death benefit
- Cash value accumulation over time
Indexed Universal Life (IUL)
Flexible coverage with the potential for cash value growth linked to market indexes (with caps/floors set by the carrier).
- Flexible premiums & adjustable death benefit
- Index-linked crediting strategies
- Policy loans/withdrawals per contract terms
ACA Health, Dental & Major Medical Plans
We help you navigate the Health Insurance Marketplace (ACA) to see if you qualify for lower monthly premiums and cost-sharing. We also compare off-exchange major medical, dental, and vision options.
- ACA Marketplace enrollment & renewals
- Subsidy eligibility review
- Dental, vision, and supplemental options
No-cost ACA help
Local, licensed guidance
Fast, friendly support
Why North Carolinians Choose Us
“Made life insurance simple and affordable. Zero pressure and clear explanations.”
— Client in Winston-Salem
“Helped me qualify for ACA savings and pick a plan that covered my doctors.”
— Client in Greensboro
“Veteran-owned and local. I appreciated the honesty and quick response.”
— Client in High Point
Frequently Asked Questions
Are you a fiduciary financial adviser?
Hendricks Advisory NC operates as a licensed insurance agency. We provide guidance on insurance products (Life, ACA, Dental, Major Medical). Investment advisory or financial planning services will be offered only if/when separately registered and disclosed.
What information do I need for a life insurance quote?
Basic info (age, ZIP, tobacco use), desired coverage amount/term, and a brief health history help carriers estimate rates. Some policies offer accelerated/instant decisions.
How do ACA subsidies work in North Carolina?
Subsidies are based on household size and income estimates. We’ll verify eligibility and show plan options that balance premiums and out-of-pocket costs.