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Best Life Insurance Companies in Phoenix, AZ

Our Recommended Top 20

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Phoenix Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3813 N 15th Ave, Phoenix, AZ 85015

Expertise.com Rating

Review Sources

Yelp
5.0 (22)

Why choose this provider?

Futuro Insurance is an independent life insurance agency in Phoenix that specializes in personal insurance services throughout the surrounding cities. Its agents are free to search and compare an array of life and health insurance policies from multiple carriers, ensuring clients are offered a choice and get the best coverage possible. The agency also arranges prepaid funeral policies and Medicare supplement plans. The agents at Futuro Insurance communicate fluently in English and Spanish.

20823 N Cave Creek Rd, Building B Suite 101, Phoenix, AZ 85024
WebsiteLicense: 1800008077

Expertise.com Rating

Review Sources

Google
5.0 (168)
Facebook
4.9 (23)

Why choose this provider?

Phoenix Life Insurance is a firm that offers various types of policies. Its term life insurance offers coverage for a specific time period, provides death benefits, and is convertible and renewable. Its traditional or whole life insurance provides coverage for a lifetime and creates assets over time. Its universal life insurance offers permanent coverage, investment, and death benefits. Policies for individuals, joint, business, and employee insurance are also available. Applications are handled 100% online with no paperwork.

  • Term Life Insurance
  • Whole Life Insurance

3550 W Glendale Ave, Phoenix, AZ 85051

Expertise.com Rating

Review Sources

Google
3.0 (12)
Facebook
5.0 (2)
Yelp
2.0 (2)

Why choose this provider?

Ayala Insurance is a local, veteran-owned health insurance company in Phoenix, with four additional offices serving the entire state. The company is independent, enabling it to search and compare the health policies offered by many major insurance carriers, and tailor them for its personal, group, and commercial clients. The agency's independent advisers also specialize in arranging term life and permanent life insurance policies suitable for everything from paying off mortgages to providing an income in retirement.

4501 N 22nd St Ste 150, Phoenix, AZ 85016

Expertise.com Rating

Review Sources

Yelp
5.0 (22)
Facebook
5.0 (1)

Why choose this provider?

Core Insurance Services is a life insurance agency in Phoenix. It's linked up with several large and trusted insurance providers to ensure its clients get to choose from a selection of life insurance products that provide the coverage they need, with rates within their budgets. The agency can arrange all forms of term life and permanent life insurance, managing multiple risks, such as those associated with buying a new home or preparing for retirement.

7500 N Dreamy Draw Dr Ste 208, Phoenix, AZ 85020

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Suburban Insurance Services LLC is a Phoenix-based life insurance agency serving individuals, families, and businesses throughout the state. Its life insurance policies can help clients in many ways, such as paying off their mortgage, covering their funeral costs so their loved ones don't have to, and providing a new source of income when they retire. The agency is independent, which means its advisers can search the policies of multiple carriers, searching for the one that best fits their clients' needs.

7220 N. 16th Street, Suite C, Phoenix, AZ 85020
WebsiteLicense: 1800008204

Expertise.com Rating

Review Sources

Yelp
5.0 (10)
Facebook
5.0 (6)

Why choose this provider?

Phoenix Insurance Group is a family-owned and family-operated brokerage serving the metro for more than 25 years. It helps individuals, families, and businesses make informed decisions when choosing the life insurance policy based on their needs and preferences. As an independent agency, its team evaluates and compares products from multiple insurance carriers to find a customized solution. One of them is Kurt Elliott, who has extensive experience working for a government recruiting agency, enlisting candidates for facilities like VA hospitals.

  • Life Insurance

10328 W Indian School Rd Ste 1, Phoenix, AZ 85037

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

Wesley Norris Insurance Inc. is an independent agency offering health and life insurance services. This agency is especially experienced with Medicare coverage options and assists clients with original Medicare, Medicare parts C & D, and Medicare supplement plans. Family health insurance plans are also available along with hospital indemnity coverage and dental services. Wesley Norris Insurance Inc. regularly assists with life insurance coverage for families and others with dependents, as well as those who want coverage for terminal illness or heart attacks and strokes.

2822 W Northern Ave, Phoenix, AZ 85051

Expertise.com Rating

Review Sources

Facebook
4.8 (36)
Yelp
4.0 (22)

Why choose this provider?

Professional Insurance Strategies is a life insurance company in Phoenix. Also offering health insurance coverage, this agency serves individuals, families, and businesses by providing custom insurance policies that cover crucial financial vulnerabilities. Its agents provide support to clients and manage their policies, also fielding claims and complaints as needed. It serves businesses of all sizes by providing group coverage plans for employees and assisting with other insurance needs as well, such as general business liability insurance policies.

4900 N Scottsdale Rd Ste 4000, Scottsdale, AZ 85251

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
5.0 (1)

Why choose this provider?

GoldBook Financial provides assistance with life insurance policies, primarily to clients in the Phoenix metro area. This firm is a member of the MassMutual family and serves business owners, corporations, and individuals seeking advice pertaining to insurance services. It offers standard life insurance as well as disability insurance options, and it helps clients to plan long-term care solutions. GoldBook Financial also provides key person insurance to businesses that need to insure particularly valuable contributors.

10210 N 32nd St Ste C3, Phoenix, AZ 85028

Expertise.com Rating

Review Sources

Facebook
4.7 (13)

Why choose this provider?

Founded in 2009, the Independence Insurance Group helps individuals and businesses by offering a variety of products that help them manage risk. The agency isn't tied to one carrier, so it can compare many similar life and health insurance products to find those that offer the most coverage and the best rates. Its agents also design employee benefits plans with one of its insurance company partners. The Independence Insurance Group gives back to its community through various fundraising events.

7829 W Coolidge St, Phoenix, AZ 85033

Expertise.com Rating

Why choose this provider?

Brian Jason is a licensed agent with Invest & Insure, a RetireCo Partner Agency serving Phoenix and the surrounding communities. Mr. Jason has more than 20 years of experience selling life and health insurance in the state. He's also licensed to arrange health and dental insurance in 35 other states, specializing in Medicare plans. The agency is independent, allowing Mr. Jason to compare the policies of multiple carriers and provide unbiased advice.

4425 E Agave Rd Ste 134, Phoenix, AZ 85044

Expertise.com Rating

Review Sources

Google
5.0 (31)

Why choose this provider?

ASA Inc. specializes exclusively in providing international health and life insurance for clients going abroad for more than 12 months or permanently. It's partnered with some of the biggest global insurers, such as Bupa and Tokio Marine HCC, to offer clients a choice of policies with comprehensive coverage. The agency can arrange policies that cover pre-existing health conditions and allow for preventative care treatments. Many of its policies allow clients to return to the U.S. for their medical treatment.

6832 North 24th Drive, Phoenix, AZ 85015
WebsiteLicense: 3000305407

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Gaisford Insurance Agency delivers insurance solutions to individuals and families in Phoenix and nearby areas. It offers future financial protection and security through its life insurance plans that are customized to the client's specific needs. It is also experienced in developing personal and commercial products, such as homeowners, auto, boat, flood, and business insurance policies. In addition, the agents and brokers educate clients on coverage options and assist them through the process of securing insurance.

  • Life Insurance

15396 North 83rd Avenue, Peoria, AZ 85381

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Saguaro Insurance Group is an independent insurance agency that provides insurance services to individuals, families, and businesses of Phoenix and the surrounding communities. It has partnered with multiple carriers to offer a variety of insurance packages. In addition to its life insurance packages, it carries auto insurance, home insurance, business insurance, renter’s insurance, motorcycle insurance, and recreational insurance. Moreover, it also provides umbrella insurance for clients that want extra liability coverage. Its team is led by Arizona native Brandon Mahoney.

  • Life Insurance

3420 East Shea Boulevard, Phoenix, AZ 85028
WebsiteLicense: 1800005958

Expertise.com Rating

Review Sources

Facebook
4.9 (70)
Google
4.7 (12)

Why choose this provider?

Headquartered in Phoenix, Arrowhead Insurance is an independent agency that provides insurance services to individuals, families, and businesses in Phoenix and the surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life insurance plans like term life insurance and whole life insurance. In addition to homeowners’ insurance packages, Arrowhead Insurance also offers insurance options like auto insurance, condo insurance, and rental property insurance. Its commercial insurance offerings include business owner’s package and workers’ compensation.

  • Life Insurance
  • Health Insurance

301 E Bethany Home Rd Ste C190, Phoenix, AZ 85012

Expertise.com Rating

Review Sources

Yelp
5.0 (22)
Facebook
5.0 (7)

Why choose this provider?

Altar Insurance Inc. is an independent health insurance company in Phoenix that's partnered with major insurance carriers, such as The Hartford and Chubb, to provide its clients with a wide choice of policies at competitive rates. The policies can be tailored for individuals, families, and groups, and cover everything from hospital stays to long-term home care. Altar Insurance Inc. also specializes in arranging term life and permanent life insurance policies.

5628 E. Thomas Road, Phoenix, AZ 85018
WebsiteLicense: 1800000829

Expertise.com Rating

Review Sources

Google
4.0 (15)
Facebook
4.7 (15)
Yelp
5.0 (2)

Why choose this provider?

General Southwest Insurance Agency is a second-generation, family-owned agency headquartered in Phoenix, serving business and personal clients for over five decades. It offers life insurance and related products such as disability and long-term care insurance, and Medicare or Medicaid supplements. The agency is a member of United Agents of Arizona and the United Valley Insurance Service. Its president, Joe Binsfeld, is a Certified Insurance Counselor and former president of the Independent Insurance Agents and Brokers of Arizona.

  • Life Insurance
  • Health Insurance

4425 E Agave Rd Ste 136, Phoenix, AZ 85044

Expertise.com Rating

Review Sources

Google
4.9 (67)
Facebook
5.0 (14)
Yelp
4.0 (4)

Why choose this provider?

Pro Financial Insurance Agency Inc. is an independent agency offering both personal and commercial life and health insurance products. It sells standard health care packages as well as coverage options for Medicare supplement, Advantage, and prescription plans. Group insurance benefits are available to businesses and organizations seeking to cover a multitude of members. Pro Financial Insurance Agency Inc. also covers disabilities and health scenarios requiring long-term care. Life insurance policies are available for individuals and families seeking financial provisions for remaining debts, taxes, and dependent-related expenses after death.

5229 N 7th Ave Unit 103, Phoenix, AZ 85013
WebsiteLicense: 1800011320

Expertise.com Rating

Review Sources

Google
5.0 (97)
Facebook
4.9 (64)
Yelp
4.7 (27)

Why choose this provider?

Hassett Insurance is an independent agency that provides risk management solutions in the Phoenix metro. It offers an array of personal lines of insurance, including life policies. The company helps families and individuals obtain universal, whole, and term coverages. Its agents also cater to clients who want to acquire auto, homeowners', renters', workers' compensation, and commercial property insurance. They work with various carriers like Bristol West, Acuity, American Modern, and Safeco. Owner Patrick Hassett started his insurance business in 2008.

  • Life Insurance

13041 N 35th Ave Suite C-9, Phoenix, AZ 85053
WebsiteLicense: 3000116404

Expertise.com Rating

Review Sources

Google
4.9 (68)

Why choose this provider?

Faithful Insurance provides a range of products and services to individuals, families, and business owners in the Phoenix metro. It offers life insurance plans that include whole and term coverages. The company aims to protect policyholders from financial losses caused by estate taxes, mortgage debts, and medical costs. It also accommodates clients who want to purchase home, auto, commercial property, general liability, and workers' compensation insurance. Faithful Insurance helps customers achieve their financial goals through its personalized policy solutions.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Futuro Insurance
3813 N 15th Ave, Phoenix, AZ 85015
Phoenix Life Insurance
20823 N Cave Creek Rd, Building B Suite 101, Phoenix, AZ 85024
Ayala Insurance
3550 W Glendale Ave, Phoenix, AZ 85051
Core Insurance Services
4501 N 22nd St Ste 150, Phoenix, AZ 85016
Suburban Insurance Services, LLC
7500 N Dreamy Draw Dr Ste 208, Phoenix, AZ 85020
Phoenix Insurance Group
7220 N. 16th Street, Suite C, Phoenix, AZ 85020
Wesley Norris Insurance, Inc.
10328 W Indian School Rd Ste 1, Phoenix, AZ 85037
proinsgroup.com
2822 W Northern Ave, Phoenix, AZ 85051
GoldBook Financial
4900 N Scottsdale Rd Ste 4000, Scottsdale, AZ 85251
indieinsurance.com
10210 N 32nd St Ste C3, Phoenix, AZ 85028
Invest & Insure
7829 W Coolidge St, Phoenix, AZ 85033
ASA, Inc.
4425 E Agave Rd Ste 134, Phoenix, AZ 85044
Gaisford Insurance Agency
6832 North 24th Drive, Phoenix, AZ 85015
Saguaro Insurance Group
15396 North 83rd Avenue, Peoria, AZ 85381
Arrowhead Insurance
3420 East Shea Boulevard, Phoenix, AZ 85028
Altar Insurance, Inc.
301 E Bethany Home Rd Ste C190, Phoenix, AZ 85012
General Southwest Insurance Agency
5628 E. Thomas Road, Phoenix, AZ 85018
profinancialinsurance.com
4425 E Agave Rd Ste 136, Phoenix, AZ 85044
Hassett Insurance
5229 N 7th Ave Unit 103, Phoenix, AZ 85013
Faithful Insurance
13041 N 35th Ave Suite C-9, Phoenix, AZ 85053

FAQs

  • Are life insurance benefits guaranteed even if the insurance company in Phoenix goes out of business?

    Yes, all life insurance benefits are guaranteed by the Arizona Life and Disability Insurance Guaranty Fund up to a certain limit. The guaranty fund provides up to $300,000 in death benefits and $100,000 in cash value component regardless if the coverage is above this amount. To be able to be eligible for this benefit if the insurer goes out of business, the policyholder in Phoenix must have been up-to-date with the payments and the insurer must have been licensed in the state.

  • In Phoenix, how many days is the grace period for being unable to pay premiums on time?

    Policyholders in Phoenix are given a 30-day grace period after the due date of each premium, with the exception of the first payment. Within this period, they must pay the lapsed premium to avoid termination of the coverage. However, their benefits could be reduced if they file a claim before they can keep their payments updated.

  • What is a cash value component in whole life insurance in Phoenix?

    A cash value component in whole life insurance is the amount paid by the insurer should the policyholder choose to surrender the policy. Policyholders in Phoenix can surrender their insurance if they give up future death benefits. The amount of the cash value component is usually the total payments made minus the fees imposed by the insurer. It is lower than the death benefits.

  • Can you sell an annuity in Phoenix?

    In Phoenix, you can legally sell an annuity as a whole or just a portion without any court approval. However, annuities obtained from settling a lawsuit need approval from the court. In addition, be aware of the tax implications of selling an annuity. If you receive a lump sum payment from the sale, it will generally be treated as income and, therefore, subject to taxation.

  • Can an employer benefits package in Phoenix be enough coverage for life insurance?

    It depends on your needs. Group life insurance as part of the employer benefits package provides a smaller amount of coverage. The policy amount is typically up to three times your salary. Should this be insufficient for your needs, you can get another life insurance. This can also provide you coverage if you lose your group insurance when you change jobs in Phoenix.

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

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