Life insurance by state · AZ
Life insurance in Arizona
What Arizona law gives you, which carriers quote in Arizona, and how to get covered — from an independent agency licensed in Arizona.
The short answer
Arizona residents can choose from 11 final expense and 15 term life carriers we work with that quote in Arizona. New policies typically come with a 10-day free look, and the state guaranty association backs life insurance death benefits up to $300,000.
Your protections in Arizona
| Regulator | Arizona Department of Insurance and Financial Institutions |
|---|---|
| Free-look period | Typically at least 10 days · 30 days for replacement policies (A.R.S. § 20-1241.05(E)) |
| Guaranty association | Arizona Life & Disability Insurance Guaranty Fund: up to $300,000 death benefit, $100,000 cash value (overall per-person cap applies) |
| Community property state | Yes |
| State estate / inheritance tax | Estate tax: no · Inheritance tax: no |
Good to know in Arizona
- Under A.R.S. § 20-462, an insurer that doesn't pay a first-party claim, including a named beneficiary's life claim, within 30 days after receiving acceptable proof of loss must pay interest at the legal rate from the date it received the claim. Source
- Under A.R.S. § 32-1391.02, every Arizona prearranged (preneed) funeral agreement must be funded by insurance sold through a licensed insurance producer or by a trust, and only funeral establishments holding a prearranged funeral sales endorsement may sell trust-funded agreements. Source
Carriers we work with that quote in Arizona
Final expense / burial: Aetna · American Amicable · American Home Life · Americo · Fidelity · Foresters · Mutual of Omaha · NewBridge · Royal Neighbors · Transamerica · UHL
Term life: American Amicable · Americo · Catholic Financial · Foresters · InstaBrain · John Hancock · Kansas City Life · Mutual of Omaha · National Life Group · Primerica · Protective · Royal Neighbors · SBLI · Transamerica · UHL
From our quoting system’s Arizona results (September 2026). Product availability and rules vary by carrier and change over time.
How to get covered in Arizona
- Figure out how much you need — final expense calculator or mortgage protection calculator.
- See typical prices by age — life insurance cost by age.
- Tell us your health history — we match you to the Arizona carrier most likely to approve you at the best price (condition guides).
- Apply by phone with an e-signature — many decisions are instant or same-day.
Licensed in Arizona. Compare dozens of carriers in one free call — no pressure.
Get my quotes → Call 586-343-1505Sources: Regulator · Guaranty association · Free-look rule · Estate/inheritance tax
Straight answers
Life insurance in Arizona — FAQ
How long is the free-look period for life insurance in Arizona?
New individual life insurance policies sold in Arizona typically give you at least 10 days to review the policy and cancel for a full refund (30 days for replacement policies (A.R.S. § 20-1241.05(E))). The exact window is printed on your policy’s first page.
What happens to my life insurance if the company fails in Arizona?
The Arizona Life & Disability Insurance Guaranty Fund protects Arizona residents up to $300,000 in life insurance death benefits and $100,000 in cash value, subject to an overall per-person cap. It’s a backstop — choosing a financially strong carrier still matters.
Who regulates life insurance in Arizona?
The Arizona Department of Insurance and Financial Institutions. You can verify an agent’s license or file a complaint with them.
Can I buy life insurance in Arizona by phone?
Yes. United Eagles Financial is licensed for life insurance in Arizona; most applications are done by phone or video with an electronic signature.
Does Arizona community property law affect life insurance?
It can. Arizona is a community-property state, so a policy bought with marital funds may be partly a spouse’s property — which can matter if you name someone other than your spouse as beneficiary. Ask an attorney if that applies to you.