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Term Life Insurance in Arizona

Arizona--Insurance.com offers Arizona residents term life insurance from many A-rated life insurance companies. Term life insurance is very easy to understand in its basic form. You choose the term (how many years you would like the policy to be in force, which is typically 10 years, 20 years, or 30 years), answer a few questions about your general health and living habits, then your provided a quote for the premium, which is usually a fixed amount paid monthly or annually. There is typically no cash value associated with Arizona Term Life Insurance policies and the premiums usually are fixed for the entire term and do not raise or lower over time.

Arizona term life insurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the applicable designated term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.

Term life insurance is a "pure" death benefit; its primary use is to provide coverage of financial responsibilities for the insured or his or her beneficiaries. Such responsibilities may include consumer debt, dependent care, education expenses for dependents, funeral costs, and mortgage assistance or payoff. Term life insurance may be chosen in favor of permanent life insurance because term insurance is usually much less expensive.

The simplest form of term life insurance is for a term of one year, but more commonly ten year, twenty year, or even thirty years (depending on applicants age and general health at the time of application). The death benefit would be paid by the insurance company if the insured died during the term, while no benefit is paid if the insured dies one day after the last day of the term. The premium paid is then based on the expected probability of the insured dying in that term period. Because the likelihood of dying in one year is low for anyone, purchase of only one year of coverage is rare.

The most common term insurance is guaranteed level premium term life insurance, where the premium is guaranteed to be the same for a given period of years. In this form, the premium paid each year remains the same for the duration of the contract. This cost is based on the summed cost of each year's annual renewable term rates, with a time value of money adjustment made by the insurer. Thus, the longer the term the premium is level for, the higher the premium, because the older, more expensive to insure years are averaged into the premium.

Most level term programs include a renewal option and allow the insured to renew if the insured period needs to be extended. It is important to note that the renewal may or may not be guaranteed and the insured should review their contract to see if evidence of insurability is required to renew the policy. Large life insurance companies, such as MetLife, usually have some type of guaranteed renewability rider or built in coverage. Typically this clause is invoked only if the health of the insured deteriorates significantly during the term, and poor health would prevent them from being able to provide proof of insurability.

Most term life policies include an option to convert the term life policy to a Universal Life or Whole Life policy. This option can be useful to a person who acquired the term life policy with a preferred rating class and later is diagnosed with a condition that would make it difficult to qualify for a new term policy. The new policy is issued at the rate class of the original term policy. Note that this right to convert may not extend to the end of the Term Life policy. It may extend a fixed number of years or to a specified age, such as convertible to age 70. Please check with your life insurance agent or life insurance company for details and policy specific coverages.

Permanent Life Insurance

Whole Life Insurance in Arizona

Arizona whole life insurance provides lifetime death benefit coverage for a level premium. For young people, whole life premiums are usually much higher than term insurance premiums. Part of the whole life insurance contract mandates that the policyholder is entitled to a cash value reserve that is part of the policy and is guaranteed by the insurance company. This cash value can be accessed at any time through policy loans that are received income tax-free and paid back according to the loan payment schedules. These policy loans are available until the insured's death. If any loans amounts are outstanding (not yet paid back), upon the insured's death, the insurer subtracts those amounts from the policy's death benefit/face value and pays the remainder to the policy's beneficiary.

The advantages of whole life insurance in Arizona include guaranteed cash values; guaranteed death benefits; guaranteed cash values; fixed and predictable premiums; and mortality and expense charges that do not reduce the policy's cash value. Death benefit amounts of whole life policies can also be increased through accumulation and/or reinvestment of policy dividends, though these dividends are not guaranteed and may be higher or lower than earnings at existing interest rates over time.

Universal Life Insurance in Arizona

Arizona universal life insurance is intended to combine permanent insurance coverage with greater flexibility in premium payments, along with the potential for greater growth of cash values. There are several forms of universal life insurance policies, including variable universal life (VUL), interest- sensitive (also known as "traditional fixed universal life insurance"), guaranteed death benefit, and equity-indexed Arizona universal life insurance. All universal life insurance policies have cash value.

Paid-in premiums increase UL cash values. With universal life, both the premiums and death benefit are flexible. With the exception of guaranteed-death-benefit universal life policies, universal life policies trade their greater flexibility off for fewer guarantees. "Flexible death benefit" means the policy owner can choose to decrease the death benefit. The death benefit can also be increased by the policy owner, usually requiring new underwriting. Another feature of flexible death benefit is the ability to choose option A or option B death benefits and to change those options over the course of the life of the insured. Option A is often referred to as a "level death benefit"; death benefits remain level for the life of the insured, and premiums are lower than policies with Option B death benefits, which pay the policy's cash value (face amount plus earnings/interest). If the cash value grows over time, the death benefits do too. If the cash value declines, the death benefit also declines.

List of Arizona Life Insurance Companies
Acacia Life Insurance Company	AETNA Insurance Company
AIG American General Insurance Company	AIG Insurance Company
AIG-SunAmerica Life Insurance Company	Allianz Insurance Company
Allstate Insurance Company	American Equity Investment Life Insurance Company
American Family Insurance Company	American National Insurance Company
American Pioneer Insurance Company	American Republic Insurance Company
American Skandia Insurance Company	American United Life Insurance Company
Ameritas Insurance Company	An Undisclosed Insurance Company
Assurant Health Insurance Company	Assurity Life Insurance Company
Auto Owners Insurance Company	Aviva Life Insurance Company
Bankers Life and Casualty Insurance Company	Banner Life Insurance Company
Baptist Life Association Insurance Company	BCS Life Insurance Company
Beneficial Life Insurance Company	Boston Mutual Insurance Company
Cigna Health Insurance Company	CNA Insurance Company
Colonial Insurance Company	Colonial Penn Insurance Company
Columbian Life Insurance Company	Columbian Mutual Insurance Company
Combined Insurance Company	Conseco Insurance Company
Constitution Life Insurance Company	Country Financial Services Insurance Company
Country Insurance Company	CUNA Mutual Insurance Company
EMC Insurance Company	Equitable Insurance Company
Family Heritage Life Insurance Company	Farm Bureau Insurance Company
Farmers Insurance Company	Federated Insurance Company
Firemans Fund Insurance Company	First Investors Life Insurance Company
Forethought Financial Insurance Company	Garden State Life Insurance Company
Genworth Life & Annuity Insurance Company	Gerber Life Insurance Company
Globe Insurance Company	Golden Rule Insurance Company
Great American Insurance Company	Great West Insurance Company
Guardian Insurance Company	Hartford Insurance Company
Horace Mann Insurance Company	Illinois Mutual Life Insurance Company
ING Insurance Company	Integrity Life Insurance Company
Investors Heritage Insurance Company	Jackson National Life Insurance Company
John Hancock Insurance Company	Knights of Columbus Insurance Company
Liberty Life Assurance Insurance Company	Life Insurance Co. of the Southwest Insurance Company
Lincoln Financial Group Insurance Company	Madison National Life Insurance Company
Manhattan Life Insurance Company	Marquette National Life Insurance Company
Mass Mutual Insurance Company	Metropolitan Co. Insurance Company
Mid-West National Insurance Company	Minnesota Life Insurance Company
Modern Woodmen of America Insurance Company	Monumental Life Insurance Company
MSI Insurance Company	Mutual of America Insurance Company
Mutual of New York Insurance Company	Mutual Of Omaha Insurance Company
National Life Insurance Company	National Security Life & Annuity Insurance Company
Nationwide Insurance Company	New York Life Insurance Company
North American Insurance Company	North Carolina Mutual Insurance Company
Northwestern Mutual Life Insurance Company	Oxford Life Insurance Company
Pacific Life Insurance Company	Pan-American Life Insurance Company
Penn Mutual Insurance Company	Pennsylvania Life Insurance Company
Peoples Benefit Life Insurance Company	Perico Life Insurance Company
Phoenix Insurance Company	Physicians Mutual Insurance Company
Pioneer Life Insurance Company	Pioneer Mutual Insurance Company
Presidential Life Insurance Company	Primerica Insurance Company
Principal Financial Insurance Company	Protective Life Insurance Company
Protective Life Insurance Company	Prudential Insurance Company
Reliance Standard Life Insurance Company	ReliaStar Life Insurance Company
RiverSource Life Insurance Company	SAFECO Insurance Company
SBLI USA Mutual Insurance Company	Security Mutual Life Insurance Company
Sentry Group Insurance Company	Standard Security Life Insurance Company
State Farm Insurance Company	Stonebridge Life Insurance Company
Sun Life Canada Insurance Company	Sun Life Insurance Company
Symetra Life Insurance Company	The Standard Life Insurance Company
The State Life Insurance Co.	Thrivent Financial for Lutherans Insurance Company
TIAA Insurance Company	Transamerica Occidental Insurance Company
UGA Insurance Company	Unicare Insurance Company
Union Bankers Life Insurance Company	Union Central Life Insurance Company
United American Insurance Company	United Fire & Casual Insurance Company
United Heritage Life Insurance Company	United Services Automobile Association Insurance Company
Unitrin Direct Insurance Company	Unity Mutual Insurance Company
Universal American Financial Corp.	Unum Insurance Company
West Coast Life Insurance Company	Western Reserve Life Insurance Company
Western Southern Life Insurance Company	William Penn Life Insurance Company
Woodmen of the World Insurance Company	Zurich North America Insurance Company

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Insurance Companies
American Family Insurance was started in October 1927 to provide affordable auto insurance rates to Wisconsin farmers. The company became American Family Mutual Insurance Company in 1963 and serviced a much broader customer base. The currently operate in 18 states including Arizona and offer a large number of insurance products including Auto, Home, Life and Renters Insurance among others. American Family Mutual Insurance Company AM Best Rating: A (Excellent)	Allstate Insurance was founded in 1931 as part of Sears, Roebuck & Co. and became a publicly traded company in 1993. Allstate sells auto, property and life insurance, as well as other lines including financial services products. They have approximately 14,900 exclusive insurance agents and financial representatives, in the U.S. and Canada. Based in Northbrook, IL, Allstate is one of the largest insurers in urban areas. Allstate Insurance Company AM Best Rating: A+ (Superior)
Farm Bureau was founded in 1919. A small group of farmers from 30 states gathered in Chicago and founded the American Farm Bureau Federation, which soon became the voice of agriculture to most of the nation. From this federation grew Farm Bureau Financial Services and for the last 65 years they have been providing property and casualty insurance, along with financial services to a wide scope of people throughout the country. They have expanded their success from rural American to the suburban and metropolitan areas as well. Farm Bureau in Arizona also underwrites with Western Agricultural Insurance Company. Farm Bureau Mutual Insurance Company AM Best Rating: A (Excellent)	Liberty Mutual was founded in 1912. They opened their first office in Springfield, Massachusetts. They provide personal lines insurance, such as car insurance, property insurance, personal liability, renters and life insurance as well as many other lines of insurance and financial services. Liberty Mutual Insurance has had a 90 year mission of "helping people live safer, more secure lives," Their core values include Integrity, Dignity and Respect, with Superior Products and Services. Liberty Mutual Insurance Company AM Best Rating: A (Excellent)
MetLife Auto & Home Insurance is a subsidiary of Metropolitan Life Insurance Company, the largest life insurance company in the U.S. MetLife was founded in 1863 providing disability protection for Civil War soldiers. Today, they offer insurance products for Arizona residents to protect their home, auto, personal property and life. MetLife Auto & Home was also the first national insurer to provide Identity Theft Protection Services at no additional charge. They also offer Guaranteed Replacement on your homeowners insurance. Metropolitan Casualty Insurance Company AM Best Rating: A (Excellent)	Nationwide provides a full range of insurance products and financial services for your home, car, family and financial security. Started in 1935, the company incorporated the Farm Bureau Mutual Automobile Insurance Company and by 1943 was operating in 12 states. In 1955, the company added 20 more western states and changed its name to Nationwide Insurance. Today with more than $161 billion in statutory assets, Nationwide is one of the largest insurance and financial services companies in the world. Nationwide Insurance Company of America AM Best Rating: A+ (Superior)
Sentry Insurance was founded in 1904 by members of the Wisconsin Retail Hardware Association to provide quality insurance for its members. Today, Sentry is one of the largest and strongest mutual insurance companies in the United States offering a full line of insurance coverage's. Headquartered in Stevens Point, Wisconsin, Sentry has assets of $10 billion and a policyholder surplus of $2.81 billion. Captain John Parker, our corporate symbol, represents the commitment that Sentry has honored since 1904: Strength, Protection and Vigilance. Sentry Insurance Group AM Best Rating: A+ (Superior)	USAA Insurance began with humble beginnings in 1922, when 25 Army officers met in San Antonio and decided to insure each other's vehicles; they could not have imagined that their tiny organization would one day serve 7.2 million members. While membership is reserved for active, retired and honorably separated officers and enlisted personnel of the U.S. military, the company is growing into one of the largest insurance companies in America. They also offer services to officer candidates in commissioning programs (Academy, ROTC, OCS/OTS), adult children of USAA members who have or had a USAA auto or property insurance policy, and widows and widowers of USAA members who have or had a USAA auto or property insurance policy USAA Casualty Insurance Company AM Best Rating: A++ (Superior)
An Undisclosed Insurance was founded in 1907 by A.T. Vigneron in Rhode Island. Amica is an acronym for the Automobile Mutual Insurance Company of America. While auto insurance was the primary insurance line for Amica in the early century, they adopted homeowner's insurance in the 1950's. In 1968 the company branched further and created the Amica Life Insurance Company. Amica Insurance has over 3,000 employees and has a long time focus on providing efficient and respectful service. Amica ranked “Highest in Customer Satisfaction Among National Auto Insurers, 10 Years in a Row” and “Highest in Customer Satisfaction Among National Homeowner Insurers, Eight Years in a Row.” Amica Property & Casualty Insurance Co AM Best Rating: A++ (Superior)	Hartford Insurance has been around for over 200 years. It was founded in 1810, as the Hartford Fire Insurance Company. Some historical customers of the Hartford Insurance company include General Robert E. Lee, Williams Cody a.k.a. "Buffalo Bill", Babe Ruth, and Presidents Abraham Lincoln and Dwight D. Eisenhower. In 1984 Hartford Insurance contracts with AARP to provide auto and homeowners insurance to it's members. The Hartford is a leading provider of life insurance, group and employee benefits, automobile and homeowners insurance and business insurance and serves millions of customers around the world today. Hartford Casualty Insurance Company AM Best Rating: A (Excellent)
Safeco Insurance was started in 1923 by visionary Hawthorne K. Dent by founding under the name The General Insurance Company of America Corporation. In 1953, the company began looking for new ways to compete with direct insurance writers. The answer was computer automation tools. These became the hallmark of the company’s new business: Selective Auto and Fire Insurance Company of America, or Safeco. The company also took center stage nationwide in 1998, when it purchased the naming rights to the Seattle Mariners ballpark. In 2004, the company sold its life and investments operations, shifting the company's full attention to property and casualty insurance. Safeco Insurance Company of America AM Best Rating: A (Excellent)	Progressive started in 1937 by Joseph Lewis and Jack Green. In 1956, Progressive Casualty Company was formed to write auto insurance for high-risk drivers. More growth and expansion in the 1960s brought about the formation of The Progressive Corporation. Progressive insurance became a public company in 1971. Progressive is recognized as the largest seller of auto insurance through independent insurance agents. The company also offers insurance quotes, policies and customer service through Progressive Direct. Today the company offers concierge claims service which reduces the time drivers spend managing repairs from about four days to 15 minutes. Progressive Casualty Insurance Company AM Best Rating: A+ (Superior)
Chubb Insurance began in the spring of 1882, Thomas Caldecot Chubb and his son Percy opened their marine underwriting business in the seaport district of New York City. Having collected $1,000 from each of 100 prominent merchants to start their venture, they focused on insuring ships and cargoes. By the turn of the century, Chubb had established strong relationships with the insurance agents and brokers who placed their clients’ business with Chubb underwriters and the original subscribers enjoyed a substantial return on their investment in the young company. With approximately 10,600 employees throughout North America, Europe, South America, and the Pacific Rim, Chubb serves property and casualty customers from some 120 offices in 28 countries around the globe. Chubb works with 8,500 independent agents and brokers worldwide. Chubb Indemnity Insurance Company AM Best Rating: A++ (Superior)	Mercury Insurance first opened its doors in 1962 and provides comprehensive coverage options ranging from personal auto insurance to homeowners insurance to mechanical breakdown protection. Dedicated managers and enthusiastic employees work hand-in-hand with their network of independent agents to make Mercury one of the fastest-growing auto insurers in the nation and the leading insurer in California. Mercury Insurance Company provides low rates, excellent coverage and a local agent who’s there every step of the way. They feel that’s what sets them apart from their competitors. And that’s what makes them the obvious choice when it comes to insurance. Mercury Insurance Company AM Best Rating: A+ (Superior)
21st Century Insurance is one of the newest major insurance companies in Arizona. Customization and personalization are the essence of our technology-driven, internet-connected culture. It's how we live today. At 21st Century Insurance they want to be the kind of insurance provider that's "just right" for consumers in the 21st century. That's why you will hear and see them talk about insurance that's "Just Right. Just For You." Because the simple fact is, a lot of people are unaware that they have the wrong car insurance. They're here to help you "right" that "wrong" by tailoring a car insurance policy that's just right for you, at the right price. As a 21st Century Insurance customer, you will experience a level of personal service and personalized coverage. 21st Century Insurance Company AM Best Rating: A (Excellent)	Esurance Insurance is one of the newest yet fastest growing insurance companies in the nation. Started in 1999, Esurance was bought by the White Mountains Insurance Group. Esurance customers can manage their policies online and also contact our customer service center 24 hours a day, 7 days a week. The company offers auto insurance, homeowners insurance, renters insurance, health insurance, life insurance and motorcycle insurance. Esurance's mission is to be dedicated to being the leading provider of personal insurance products. They leverage technology to provide a hassle-free experience for their customers and to create significant value for their owners. Esurance Insurance Company AM Best Rating: A- (Excellent)
GMAC Insurance was founded in 1919. Initially formed to provide automotive finance products and services to General Motors dealers and clients, GMAC has since expanded its business to include mortgage operations, insurance, commercial finance and online banking. GMAC was a wholly owned subsidiary of GM, until 2006. By 2009, the company had approximately $178 billion in assets, with 15 million customers worldwide. GMAC provides a broad range of insurance and insurance-related products and services for individual consumers, as well as automotive dealerships and other businesses. GMAC Insurance Group AM Best Rating: B++ (Good)	Travelers Insurance was a merger of two companies. Started in 1853 as St. Paul Fire & Marine Insurance Company by Alexander Wilkin and 16 fellow Saint Paul, MN businessmen. In 1964 J.G. Batterson and nine others form The Travelers Insurance Company "for the purpose of insuring travelers against loss of life or personal injury while journeying by railway or steamboat." In 1897 the company issues the first automobile insurance policy. By 2004 The Saint Paul and Travelers Property Casualty merge to form St. Paul Travelers, creating a new company with 285 years combined experience in managing risk with integrity, innovation and discipline. Travelers Casualty Insurance Co of America AM Best Rating: A+ (Superior)
State Farm was founded in 1922 by retired farmer and insurance salesman George Jacob "G.J." Mecherle. His motivation for starting State Farm was simple. It was about fairness and doing the right thing for the customer. Today, State Farm insures more cars than any other insurer in North America. They are the leading U.S. home insurer. More than 17,000 agents and 68,000 employees serve over 75 million policies in the U.S. and Canada. Among financial services products, they offer consumers auto insurance, home insurance, renters insurance and life insurance. State Farm Group AM Best Rating: A++ (Superior)	Geico Insurance was established in 1936 by Leo Goodwin under the name Government Employees Insurance Company, better known today as GEICO. As an entrepreneur he enthusiastically built the company catapulting it to the juggernaut that GEICO has become today. In 1951 Warren Buffet (Berkshire Hathaway), became involved with Geico. Since that time Geico has grown to include over 30,000 associates and more than 12 million policies in force. Government Employees Insurance Company (GEICO) and its affiliate companies (GEICO General Insurance Company, GEICO Indemnity Company, GEICO Casualty Company, GEICO Advantage Insurance Company, GEICO Choice Insurance Company, and GEICO Secure Insurance Company) enjoy high ratings in the industry for financial strength and claims-paying ability. Government Employees Insurance Company AM Best Rating: A++ (Superior)
Berkshire Hathaway Insurance is a conglomerate of holding companies including Geico Auto Insurance, Berkshire Hathaway Homestate Companies, Berkshire Hathaway Specialty Insurance, Guard Insurance Group, United States Liability Insurance Group and many more. These insurance groups include coverage for personal as well as commercial auto insurance policies, business insurance, business liability and other product lines. Berkshire Hathaway Insurance Group AM Best Rating: A++ (Superior)	Farmers Insurance Group offers insurance for your auto, home, motorcycle, boat, travel trailer, motorhome, home, condo, as well as life insurance. Farmers humble beginning started in Los Angeles in 1928, long before becoming a household name as one of the largest insurance companies in the U.S. Started by John Tyler and Thomas Leavey, the company tailored its policies to farmers and ranchers in 1998, Farmers Group was acquired by Zurich Financial Services. Farmers is also the largest insurer of Manufactured Homes under its company Foremost Property & Casualty Insurance Company. Additionally Farmers owns Bristol West Insurance, and 21st Century Insurance. Farmers Insurance Company AM Best Rating: A (Excellent)
AAA Auto Club Enterprises Car Insurance was founded in 1902. It is a little known fact that AAA was integral to the advent of the interstate system throughout the United States as well as the development of the standardized octagonal shaped red "Stop Signs" used in every state at most intersections. AAA began providing road maps in 1905 and began its school safety program in 1920. AAA has been at the forefront of national traffic studies throughout the years. AAA is a federation of motor clubs throughout the U.S. and has over 51 million members. Auto Club Indemnity Insurance Company AM Best Rating: A+ (Superior)	Erie Insurance Group provides car insurance, homeowners insurance, life insurance, boat insurance and business insurance services. Established in 1925 Erie Insurance Their approach is to "overwhelm" their customers with fantastic service and a great value. The company has a network of independent insurance agents throughout the U.S. Erie insurance has nearly 4.9 million policies and more than 330,000 life, annuity and disability income policies in force. Erie Insurance Group AM Best Rating: A+ (Superior)
Auto-Owners Insurance Group was founded in 1916 by Vern V. Moulton in Mt. Pleasant, Michigan. It began in just one room of a bank building. It moved soon thereafter to Lansing, Michigan. The Lansing corporate office services not only Auto-Owners Insurance Company, but its subsidiary companies: Auto-Owners Life Insurance Company, Home-Owners Insurance Company, Owners Insurance Company, Property-Owners Insurance Company, and Southern-Owners Insurance Company. The company now has over 6,200 independent agencies, selling personal and commercial insurance lines as well as life, health and annuities in 26 states. Auto-Owners Insurance Group AM Best Rating: A++ (Superior)	Country Financial Property & Casualty Insurance has a full line of insurance products for consumers as well as financial services. For more than 85 years, Country has been protecting its customers assets and liabilities. The company serves about 1 million households and businesses throughout the Unites States. Country Insurance began in 1925 with its roots in agriculture. Today the offer competitive rates, money-saving discounts and a variety of auto insurance coverage's to meet their customers specific needs. Their claims service is among the best in the industry. Their slogan is "You'll always get the service you deserve with COUNTRY." Country Financial Property & Casualty Insurance Group AM Best Rating: A+ (Superior)
Who are the Rating Companies'
A.M. Best www.ambest.com A.M. Best rates the financial strength of insurance companies and the security of holding companies' debt and preferred stock. More than merely passing judgment on past performance, a Best's rating gives an indication of how that company may be expected to perform in the future.
Standard & Poor's www.standardandpoors.com Standard & Poor's Insurer Financial Strength is a current opinion of the financial security characteristics of an insurance organization with respect to its ability to pay under its insurance policies and contracts in accordance with their terms.
Moody's Investors Service www.moodys.com Moody's insurance ratings and research provide global coverage of life, property and casualty, mortgage, and title insurers and reinsurers as well as financial guarantors.