Arizona Life Insurance [2024]
Looking for insurance in Arizona? Below we cover factors that affect insurance rates. We also provide a list of the different insurance AZ companies so you can find the best possible rates.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Sep 19, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Sep 19, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
We offer Arizona residents life insurance from several of the best AZ life insurance companies. Life insurance is very similar from state to state, with a few exceptions, so your Arizona life insurance rates may vary.
However, this guide should help you understand the differences in Arizona life insurance as well as find resources in your state. We’ll also show you how to get the best life insurance in Arizona.
Before we dive into this guide, find affordable Arizona life insurance rates by clicking on our FREE quote tool above. Get started now.
Arizona Life Insurance Quotes
We offer Arizona residents life insurance from several A-rated life insurance companies. Life insurance is very similar from state to state, with a few exceptions. This guide should help you understand the differences as well as find resources in your state.
Policy Cost – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies then approved by the State Insurance Department.
Company Availability – Not all companies are available in every state. For example, if a life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.
Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a rider for child insurance on their policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on the life insurance companies in the list below.
AZ life insurance also offers residents a 30-day grace period, a death benefit guarantee of up to $300,000, a timely payment of claims, and protection of personal information.
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Life Insurance Arizona Rates
For a ballpark figure of what Arizona life insurance rates look like, check out the chart below to see what the top companies charge based on age, marital status, and gender for both smokers and non-smokers. Your Arizona life insurance quotes may be different, especially if you smoke.
Also keep in mind that when it comes to Arizona life insurance policies, term life is generally cheaper than whole life insurance policies. So, if you want a whole life policy, you can expect to pay more.
In this next chart, you can also see how many Arizona life insurance companies there are in comparison to other western states.
As you can see in the above chart, 25 AZ life insurance companies operate specifically in the state of Arizona, which is well above the national average.
By using our free quote comparison tool on this page, you can save money and get access to the best Arizona life insurance.
Arizona Guaranty Association
State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of all insurance companies licensed to sell life insurance, health insurance, and annuities in the state. If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to defined limits. (For more information, read our “How to Sell Your Life Insurance Policy“).
In Arizona, a life insurance policy is protected by up to $300,000. This amount is the maximum benefit provided for any one life. In other words, multiple policies on any one person are limited to this amount.
AZ Life Insurance Contacts
Here is a list of all the necessary state contacts for residents with Arizona life insurance claims and other related matters.
Guaranty Association
If you need information about an Arizona life insurance or disability insurance guaranty, contact the Arizona Life & Disability Insurance Guaranty Fund at 1-800-325-2548.
Insurance Department
For the latest updates about Arizona life insurance, contact the Arizona Department of Insurance. Consumers can call 1-800-325-2548.
You can also obtain access to the insurance license lookup and learn how to get an Arizona insurance license background check should you require it for an agent or company. The Arizona Department of Insurance is also a good place to start if you need the contact information for the NPR license search. The National Insurance Providers Registry has a wealth of information, including state contacts and FAQs.
Legal Info
QuickQuote is licensed to sell life insurance in Arizona under Agency License Number 87448.
The licensed company principal is Tim Bain, Agent License Number 109628.
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Life Insurance: AZ Companies
American General Life Insurance Company
Fidelity Life Association
Haven Life / MassMutual
John Hancock Life Insurance Company
Lincoln National Life Insurance Company
Metlife Life Insurance Company
North American Company for Life & Health Insurance
Pacific Life & Annuity Company
Principal Life Insurance Company
Protective Life Insurance Company
Pruco Life Insurance Company (Prudential)
Sagicor Life Insurance Company
The Savings Bank Life Insurance Company of Massachusetts (SBLI)
Transamerica Life Insurance Company
United of Omaha Life Insurance Company
Don’t wait — Use our free quote tool to get affordable life insurance rates in Arizona. Get started now.
Frequently Asked Questions
How do Arizona insurance rates vary?
Arizona insurance rates are generally similar to rates in other states, with a few exceptions. The cost of your insurance policy, also known as the premium, does not vary based on the state you live in. It is determined by the insurance companies and approved by the State Insurance Department. However, the availability of specific insurance companies and products may vary by state.
What factors affect the cost of insurance in Arizona?
The cost of insurance in Arizona is influenced by factors such as your age, health condition, lifestyle (including whether you smoke or not), coverage amount, and type of policy. Younger individuals in good health and non-smokers generally pay lower premiums compared to older individuals, smokers, or those with underlying health issues.
How many insurance companies operate in Arizona?
There are currently 25 insurance companies operating specifically in the state of Arizona, which is above the average. By comparing quotes from different companies, you can find the best Arizona insurance rates and coverage options that suit your needs.
What is the Arizona Guaranty Association?
The Arizona Guaranty Association is an organization composed of all insurance companies licensed to sell insurance, health insurance, and annuities in the state. Its purpose is to protect policyholders and beneficiaries in the event of an insurance company’s insolvency. In Arizona, a insurance policy is protected by up to $300,000, and this amount applies to multiple policies on the same person.
How can I contact relevant authorities regarding Arizona insurance?
If you need information about Arizona insurance or disability insurance guaranty, you can contact the Arizona & Disability Insurance Guaranty Fund at 1-800-325-2548. For updates and inquiries about Arizona insurance, you can reach out to the Arizona Department of Insurance at 1-800-325-2548.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
