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2024

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Best Life Insurance Companies in Surprise, AZ

Our Recommended Top 19

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Surprise 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.

5706Reviewed

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19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

12600 North 113th Avenue, Youngtown, AZ 85363
WebsiteLicense: 77421

Expertise.com Rating

Review Sources

Google
4.0 (15)
Facebook
2.0 (2)

Why choose this provider?

Wayne Barress offers life insurance products to clients residing in Surprise and the surrounding communities. He specializes in a wide range of insurance policies to help individuals provide financial security for their families. These include term, universal, and whole life insurance products. In addition, he caters to individuals seeking protection for their small businesses, homes, properties, and vehicles. Barress is a State Farm insurance agent since 2011 and is available for health, disability, pet medical, and liability services.

  • Life Insurance
  • Health Insurance

9051 West Kelton Lane, Peoria, AZ 85382
WebsiteLicense: 6738762

Expertise.com Rating

Why choose this provider?

Steve Goucher has been working as an insurance agent at Farm Bureau Financial Services for 26 years. Some of the insurance products and solutions he delivers to clients in Surprise are life, home, auto, business, health, and farm or ranch insurance. Goucher also handles planning for college, finance, investment, retirement, and estate. In addition, Farm Bureau Financial Services has been serving clients and members for more than 80 years. It currently has 4,300 agents, field representatives, and employees.

  • Life Insurance
  • Health Insurance

10225 West Thunderbird Boulevard, Sun City, AZ 85351
WebsiteLicense: 1905336

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

Lindblad Financial Group is an independent agency that assists in finding life insurance plans for customers in Surprise. The agency assists individuals, families, and business owners find insurance plans fit for their specific goals. It offers various types of life insurance options such as term life, whole life, universal life, variable universal life, and survivorship life insurance. Other products and services include annuities, long-term care insurance, and disability income insurance. It is led by Daniel Lindblad, who carries over 33 years of industry experience.

  • Life Insurance

15410 North 67th Avenue, Glendale, AZ 85306
WebsiteLicense: 91161

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Reuben Gonzales delivers life insurance solutions to individuals and families in Surprise and nearby areas. With nearly three decades of experience in the industry, he helps clients select life insurance products. He also provides auto, fire, and property insurance in his full-line agency. Gonzales is a licensed insurance agent for StateFarm, an insurance and financial services company catering to clients throughout the United States. In addition, he is a member of the Glendale Chamber of Commerce and the Glendale/Peoria YMCA Board.

  • Life Insurance
  • Health Insurance

10607 North Frank Lloyd Wright Boulevard, Scottsdale, AZ 85259
WebsiteLicense: 3000296729

Expertise.com Rating

Review Sources

Yelp
3.0 (2)

Why choose this provider?

Cox Insurance Services has offered its services to individuals and commercial clients in Surprise and the surrounding communities for over 30 years. The insurance agency offers several personal insurance policies, including life, auto, flood, and home and property insurance. Business clients can also take advantage of several policies like property, liability, business life, and cyber liability coverage. Additionally, Cox Insurance Services offers umbrella insurance policies that give additional coverage outside of traditional insurance limits.

  • Life Insurance

13034 North Verde River Drive, Fountain Hills, AZ 85268
WebsiteLicense: 1800001576

Expertise.com Rating

Review Sources

Google
5.0 (4)
Yelp
1.0 (2)

Why choose this provider?

Garvey Hansen Insurance & Investments is a locally owned insurance company serving Surprise. It provides an array of insurance services to clients and offers insurance products such as life insurance, auto insurance, and home insurance. The company also has business insurance options like commercial property insurance, commercial general liability insurance, crime insurance, professional liability insurance, inland marine insurance, and workers’ compensation insurance. Garvey Hansen Insurance & Investments has 20 years of professional experience in the insurance industry. It also serves clients in California.

  • Life Insurance

7100 East Cave Creek Road, Cave Creek, AZ 85331
WebsiteLicense: 104122

Expertise.com Rating

Why choose this provider?

Brokerage Professionals, Inc., is a full-service wholesale insurance brokerage that serves clients in Surprise and nearby areas. It has been offering term, permanent, indexed, and universal life insurance policies for individuals and businesses for more than 33 years. The brokerage also provides options for long-term care, annuities, and disability income insurance. It represents multiple carriers, such as MetLife, American National, American Modern, and Lincoln Financial Distributors. Brokerage Professionals is also licensed to serve clients in New York.

  • Life Insurance
  • Long Term Care
  • Term Life Insurance

Scottsdale, AZ 85255
WebsiteLicense: 1800015970

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Mundell Insurance Solutions offers different kinds of life insurance policies for individuals in Surprise and its neighboring communities. It also assists its clients with health-related insurance matters, such as Medicare plans that include supplements, prescription drugs, and Medicare Advantage. The firm also offers health and dental insurance options. Mundell Insurance Solutions is owned by Janet Mundell, who is a health and life insurance broker specializing in educating seniors on Medicare and its complexities.

  • Health Insurance

2930 East Northern Avenue, Phoenix, AZ 85028
WebsiteLicense: 1800003925

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Lookout Mountain Insurance Group, LLC, is an insurance agency in Surprise providing coverage since 1976. Customers can protect their family and business through a term, universal life, or whole life insurance policy and choose from a wide range of carriers. Alternatively, they can take out an annuity. Also available are insurance for homes, cars, aircraft, and child care centers. Partner companies provide 24/7 claims reporting service over the phone. Lookout Mountain Insurance Group is a member of the Independent Insurance Agents and Brokers Association.

  • Life Insurance

15270 West Brookside Lane, Surprise, AZ 85374
WebsiteLicense: 1800001641

Expertise.com Rating

Review Sources

Google
4.8 (140)
Facebook
4.7 (42)
Yelp
3.0 (2)

Why choose this provider?

Founded in 1987, Insurance Beacon is an independent insurance company that serves Surprise and the surrounding areas. It helps clients in customizing life insurance policies that match their specific needs and circumstances. It also carries home, auto, business, and landlord insurance, as well as policies for boats, golf carts, ATVs, and RVs. Insurance Beacon has partnered with Pacific Specialty and Mercury Insurance. Working directly with clients, the company aims to make purchasing insurance a convenient process.

  • Life Insurance

10 North Central Street, Colorado City, AZ 86021
WebsiteLicense: 1800008893

Expertise.com Rating

Review Sources

Facebook
5.0 (25)

Why choose this provider?

Asset Insurance & Motor Vehicle Service delivers insurance products and solutions to individuals, families, and business owners residing in Surprise. It helps clients prepare for their family's financial health by providing life insurance in case of their passing. The company also offers automobile, home, and health insurance. In addition, Asset Insurance & Motor Vehicle Service protects its clients and their off-road vehicles through its ATV, motorcycle, and boat coverage. The company is an ADOT Motor Vehicle Division authorized provider.

  • Life Insurance
  • Health Insurance

9844 West Yearling Road, Peoria, AZ 85383
WebsiteLicense: 2985352

Expertise.com Rating

Why choose this provider?

Serving the Surprise metro and neighboring communities, Independent Wealth Management & Insurance Services provides a variety of insurance and investment solutions to individuals and families. It offers asset protection products such as life insurance, long-term care strategies, and tax-efficient strategies. The company also has other services like retirement income strategies, wealth management, IRA or 401(k) rollovers, IRA legacy planning, investments, and annuities. The business’s team of professionals has a strong focus on helping clients achieve their retirement goals.

  • Life Insurance

14997 West Bell Road, Surprise, AZ 85374
WebsiteLicense: 6740969

Expertise.com Rating

Why choose this provider?

Operating from Surprise, Larkin Associates was founded in 1981 by Don and Sue Larkin with an aim to be a bridge between clients who need financial management advice and financial and insurance professionals. It is now being managed by their son, Michael Larkin, who is licensed to deal with life insurance carriers that offer a variety of coverages. A registered representative and investment adviser of Cetera Advisor Networks, LLC, Michael also provides financial planning and consulting services, securities trading services, and investment advisory services.

  • Life Insurance

1717 East Bell Road, Phoenix, AZ 85022
WebsiteLicense: 8230227

Expertise.com Rating

Review Sources

Facebook
4.0 (19)

Why choose this provider?

Lucas Shafer is an insurance agent who works for American Family Insurance. He leads a team of insurance professionals and addresses the insurance needs of Surprise businesses and residents. Lucas and his team provide access to a range of insurance products, including things like life, home, car, and farm and ranch insurance. Lucas has been with American Family Insurance for more than 13 years. He speaks both English and Spanish.

  • Life Insurance
  • Health Insurance

P.O. Box 2227, Sun City, AZ 85372
WebsiteLicense: 106384

Expertise.com Rating

Why choose this provider?

Nest Egg Insured is an independent insurance agency that caters to clients in Surprise and the surrounding areas. It has partnered with a variety of insurance carriers to provide clients with term life insurance plans that allow a full return of premium if unused. It also crafts long-term care insurance plans that suit the clients' needs. Additionally, the agency offers retirement planning and financial services. Its founder, David F. Rada, has been in the insurance industry for over 40 years.

  • Life Insurance
  • Term Life Insurance

Phoenix, AZ 85050
WebsiteLicense: 1800009929

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Yelp
5.0 (6)

Why choose this provider?

ACC Insurance Agency, LLC, is a life insurance company serving clients in Surprise and its surrounding areas. The agency provides universal, whole, and term life insurance policies for its clients. In addition to life insurance, a wide range of insurance options for vehicles, homes, pets, health, and other special events are also available at the agency. The independent firm is led by Paul and Sarah Schmidt, who also cater to clients who use American sign language.

  • Life Insurance
  • Health Insurance

6930 East Chauncey Lane Suite 200, Phoenix, AZ 85054

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Senior Lifestyle Solutions helps retirees in Surprise obtain adequate financial protection for health-related risks. Its agents carry a variety of solutions, including life insurance, long-term care coverage, and Medicare supplemental plans. They educate clients about the benefits of a life insurance policy during retirement, including access to cash, charitable donations, and chronic illness coverage. A partner of the American Senior Benefits Association, the company also offers senior consulting and asset protection programs. Moreover, it provides weekly agent training to update them on industry changes.

  • Life Insurance

7500 North Dreamy Draw Drive, Phoenix, AZ 85020

Expertise.com Rating

Why choose this provider?

Serving the Surprise area, Assured Partners is an insurance agency that provides comprehensive insurance products to individuals and businesses. It offers life insurance policies, such as individual life insurance, group life insurance, long-term care insurance, key person insurance, and disability insurance. The company also has business and commercial insurance options for commercial properties, general liability, inland marine, professional liability, and workers’ compensation. It focuses on delivering plans that help secure and grow a client’s assets.

  • Life Insurance
  • Health Insurance

13576 West Camino Del Sol, Sun City West, AZ 85375
WebsiteLicense: 1800015019

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Stickler Webb Insurance is an independent agency providing life insurance products in the Surprise area. The company has four locations in Arizona to serve the greater Southwest region, including California, New Mexico, and Colorado. The firm's insurance specialists have 28 years of combined experience in the industry, helping clients find policies compatible with their goals. They provide different permanent life insurance programs designed to ensure the financial security of the clients' families. These programs include universal life, whole life, and simplified issue life insurance plans.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Wayne Barress
12600 North 113th Avenue, Youngtown, AZ 85363
Steve Goucher
9051 West Kelton Lane, Peoria, AZ 85382
Lindblad Financial Group
10225 West Thunderbird Boulevard, Sun City, AZ 85351
Reuben Gonzales
15410 North 67th Avenue, Glendale, AZ 85306
Cox Insurance Services
10607 North Frank Lloyd Wright Boulevard, Scottsdale, AZ 85259
Garvey Hansen Insurance & Investments
13034 North Verde River Drive, Fountain Hills, AZ 85268
Brokerage Professional, Inc.
7100 East Cave Creek Road, Cave Creek, AZ 85331
Mundell Insurance Solutions
Scottsdale, AZ 85255
Lookout Mountain Insurance Group, LLC.
2930 East Northern Avenue, Phoenix, AZ 85028
Insurance Beacon
15270 West Brookside Lane, Surprise, AZ 85374
Asset Insurance & Motor Vehicle Service
10 North Central Street, Colorado City, AZ 86021
Independent Wealth Management & Insurance Services
9844 West Yearling Road, Peoria, AZ 85383
Larkin & Associates
14997 West Bell Road, Surprise, AZ 85374
Lucas Shafer
1717 East Bell Road, Phoenix, AZ 85022
Nest Egg Insured
P.O. Box 2227, Sun City, AZ 85372
ACC Insurance Agency, LLC
Phoenix, AZ 85050
Senior Lifestyle Solutions
6930 East Chauncey Lane Suite 200, Phoenix, AZ 85054
Assured Partners
7500 North Dreamy Draw Drive, Phoenix, AZ 85020
Stickler Webb Insurance
13576 West Camino Del Sol, Sun City West, AZ 85375

FAQs

  • Why is it important for Surprise residents to know the difference between term and permanent life insurance?

    Understanding the difference between term and permanent life insurance can help Surprise residents make informed decisions when choosing between these policy options. This decision has the potential to have a significant impact on both their financial stability and the well-being of their beneficiaries. Term life insurance provides coverage for set periods of time, typically 10, 20, or 30 years. Permanent life insurance is a policy type that provides the insured with lifelong coverage as long as premium payments are made.

  • What is life insurance, and why should people living in Surprise purchase it?

    A life insurance policy is a contract between a resident of Surprise and a life insurance company. The policyholder chooses the desired level of life insurance coverage and pays regular premiums to the carrier to keep the policy valid. If the policyholder dies during the active term of the policy, the insurance provider will pay the designated death benefit to the named beneficiary as a lump sum.

  • What is the average cost of life insurance in Surprise?

    Monthly life insurance premiums for a 35-year-old Surprise resident in good health who does not smoke typically range from $23 to $51. When evaluating life insurance applicants, insurance providers consider factors such as age, gender, and the individual's standard of living to determine the coverage amount that best fits their risk management needs and budgets.

  • How are life insurance policies protected in Surprise?

    Life insurance policies in Surprise are covered by a guarantee association established by Arizona state law. This association is made up of licensed insurers and serves as a safety net in the event that one of its members goes bankrupt. If such a situation arises, the association steps in to provide protection to insured individuals based on the State Act's statutory limits.

  • Which types of permanent life insurance can be considered by Surprise residents who need lifelong coverage but want more investment options?

    Residents in Surprise who want more investment flexibility in their life insurance than whole life policies provide may consider universal life insurance. Interest accrues on universal life insurance at market rates. Individuals should also think about variable life insurance or variable universal life insurance, both of which allow policyholders to invest directly in the stock market. In contrast, indexed universal life insurance pays interest based on the performance of stock indexes.

  • 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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