Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in…

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Written by

Rachael Brennan

Licensed Insurance Agent

Rachael Brennan

Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by

Benji Carr

Former Licensed Life Insurance Agent

Benji Carr

UPDATED: Jun 29, 2022

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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.

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.

Your life insurance quotes are always free.

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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.

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.

Your life insurance quotes are always free.

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Life Insurance: AZ Companies

American General Life Insurance Company

Banner 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.

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