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Arizona · AZ

Life Insurance Agents in Arizona

These Arizona-licensed life insurance agents quote term, whole life, final expense, and annuities across multiple carriers, then handle the application. Their commission comes from the carrier, so comparing quotes through an agent costs you nothing.

4,815 licensed agents serving Arizona, page 221

Agents below are licensed in Arizona or based there. Profiles marked "unclaimed" come from public licensing records and have not been reviewed by the agent, so confirm any agent's Arizona license on NIPR before you buy. Contact one directly, or let us match you.

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Carriers appointed locally by coverage type

Counted from public licensing records for agents listed in Arizona. A carrier appointment means the agent may sell that carrier's plans; it is not a recommendation.

Coverage typeCarriersAppointed agents
Life insurance754121
Annuities493562
Final expense432169
Long-term care13706
Disability17453

What to know about life insurance in Arizona

Arizona uses HealthCare.gov as its health insurance marketplace. Arizona has expanded Medicaid through AHCCCS (the Arizona Health Care Cost Containment System), which serves as the state Medicaid program. Medicare beneficiaries in metro Phoenix and Tucson typically have a wide choice of Medicare Advantage plans alongside Original Medicare with Medigap.

Life insurance is regulated by the Arizona Department of Insurance, and every agent selling it must hold a Arizona life license. Pricing varies widely between carriers for the same person, which is why an independent agent who quotes several carriers is worth a call before you buy.

Life Insurance Agents in Arizona: common questions

Is a life insurance agent free to work with?

Yes. Life insurance agents are paid a commission by the carrier that issues your policy. Your premium is the same whether you buy through an agent or directly.

What is final expense insurance?

A small whole life policy, usually between a few thousand and thirty thousand dollars, designed to cover funeral costs and small debts. It is popular with people over 50 because approval is simplified and the premium never changes.

Term or whole life: which do I need?

Term life covers a set number of years for a low premium and suits income replacement while you have a mortgage or young children. Whole life lasts your entire life and builds cash value at a higher premium. An independent agent can quote both across several carriers.

Can I buy life insurance if I have health conditions?

Often, yes. Carriers price conditions differently, which is exactly why an independent agent who works with several carriers can matter. Some policies use simplified or guaranteed underwriting with no medical exam.

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Life insurance agents in nearby states

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