Occidental Life Insurance Company of North Carolina

Earn more for you and your client with advanced commissions paid daily, competitive pricing, no medical exams required and get a chance to win a incentive trip to Hawaii!

Occidental Life Insurance Company of North Carolina

Occidental Life Insurance Company provides Final expense, Simplified issue term, simplified universal life, and modified whole life insurance. Use Tidewater's Final Expense cheat sheet to compare the top carriers! When you contract with Occidental Life through Tidewater, you will get access to resources like these and more!

Plan Updates

  • Introduction of onscreen, point of sale decision for Final Expense
  • Increased face amounts and relaxed interview requirements on non-medical term products
  • Introduction of non-medical UL
  • Introduction of remote sales options on most products (email and voice signature)

What Does Occidental Life Insurance Offer?

Final Expense

  • Golden Solution (50 – 85)
  • Family Solution (0 – 49)

Simplified Issue Term & UL

  • Term Made Simple
  • Easy Term
  • Home Protector
  • Express UL

Term – Product Comparison


Easy Term

Term Made Simple

Term Durations

10, 20, 30

10, 15, 20, 30

Min Issue Age



Max Issue Age



Min Face Amount



Max Face Amount



Ret of Premium Option



Mortgage Required



Preferred Rate Class



Terminal Ill Rdr (100%)



Confined Care Rdr (2.5%)



Chronic Ill Rider (95%)



*increased from $400K on 7-20-20

Express UL

  • Simplified Issue / Universal Life Insurance
  • Issue Ages (Age Nearest): 15 – 75 Non-Tobacco; 18 – 75 Tobacco
  • Minimum Amount: $25,000 or $20 monthly base premium, whichever is greater
  • Maximum Amount: $500,000
  • Interest Rate: 2.0% Current & Guaranteed
  • Issued Standard through Table 4 (Accept/Reject)
  • Underwriting Classes:
    Male / Female
    Tobacco / Non-Tobacco
  • 15 Year No Lapse Guarantee

Why Should You Sell It?

Competitive pricing

Advance commissions paid daily

Simple yes/no application

No medical exams or blood work required

Mobile apps available on most products

Great incentive trip!

Where Can You Sell this Life Insurance Policy?

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

Occidental Life Insurance Company of North Carolina map

Call Tidewater Management Group today to find out the details on this life insurance plan available to our partners: (888) 622-9122

FOR AGENT USE ONLY - Cannot be distributed to the public or used in any consumer solicitation. Plans may not be available in all states. Contact Tidewater Management Group (National FMO) for more details. (888) 622-9122

Get contracted to sell Occidental Plans