North Carolina Mutual Life Insurance Company was born out of a heart-felt desire and determination to serve the underserved. In 1898, African Americans were fewer than three decades from slavery. Established insurance companies had little or no interest in marketing to the Black community. Just meeting end-of-life expenses and being able to bury a loved one with dignity – something that can be achieved through life insurance – were beyond the means of a great portion of African Americans.

The use of the word "mutual" in our name was deliberate. When our founders decided to create an insurance company for the African American market, they each had to contribute from their own resources, making it a mutual undertaking. Similarly, each policyholder gained a small stake in the company, with the health of their policy dependent on NC Mutual’s progress. The success of this mutual enterprise was a tremendous source of pride for African Americans in Durham and across the country in those early days of freedom. Read more about the history of North Carolinia Mutual Life Insurance Company here.

While our business model has changed over the years, our commitment has not. North Carolina Mutual Insurance Agency continues to provide access to a full array of life, health, disability and annuity products. We are committed to providing personalized service and advice tailored for your unique situation. 

North Carolinia Mutual Life Insurance Company views inclusiveness, equality and equal opportunity as bedrock principles of its corporate culture. Its management is committed to diversity in the workplace and to creating a work environment where interaction between persons of different racial and cultural backgrounds promotes creativity and enhances productivity. This benefits our companies, our employees, our business partners and our policyholders. Conversely, North Carolinia Mutual Life Insurance Company expressly rejects any policies or actions which discriminate on the basis of race, ethnicity, gender, age, socioeconomic status or in any other way. North Carolinia Mutual Life Insurance Company rejects any practices that deny the basic humanity and equality of people and serve as impediments to social and economic advancement and self-fulfillment.

North Carolinia Mutual Life Insurance Company. We are the power to change our community. One family at a time.