Sell Your Life Insurance Policy
in Arizona for More Than You Think
Arizona is one of the most active life settlement markets in the country. Policyholders age 65+ with policies of $100,000 or more may qualify — receiving 4 to 8 times the cash surrender value. Get a free, confidential evaluation today.
Life Settlements in Arizona: What You Need to Know
Arizona regulates life settlements under Arizona Revised Statutes §20-3201 et seq., overseen by the Arizona Department of Insurance and Financial Institutions (DIFI). With one of the nation's largest retiree populations — particularly in the Phoenix metro, Sun City, and Scottsdale — Arizona is an extremely active life settlement market. Arizona law requires broker and provider licensing, full disclosure of all competing offers, and gives sellers a 15-day rescission period.
Arizona's Retiree Market
Arizona has one of the highest concentrations of retirees in the nation. Sun City, Scottsdale, Mesa, and Green Valley attract seniors with large life insurance portfolios — and policies often go unreviewed as circumstances change.
Major opportunity for AZ policyholders
Arizona Tax Considerations
Arizona has no state inheritance tax, and life settlement proceeds are treated as ordinary income above your cost basis. Arizona's flat state income tax rate applies. Rodney can connect you with Arizona tax specialists to plan the most advantageous settlement.
Flat tax state — simpler planning
Why Arizona Seniors Sell
Many Arizona retirees purchased large life insurance policies during working years. When children are grown, estates are set, or premiums become burdensome in retirement, a life settlement converts an unneeded policy into immediate, usable cash.
Turn an old policy into retirement income
Arizona Cities & Service Areas
Rodney Cummings provides life settlement evaluations for policyholders across all of Arizona, including:
Does Your Arizona Policy Qualify?
- ✅ Policy Face Value: $100,000 or more (term or permanent)
- ✅ Policyholder Age: Typically 65 or older (some exceptions at 60+)
- ✅ Policy Age: In force for at least 2 years (past contestability period)
- ✅ Health Change: Any decline in health since policy was issued helps qualify
Get Your Free Arizona Policy Evaluation
Tell us about your policy and we'll provide a confidential estimate of what it may be worth on the secondary market — at no cost and no obligation.
Find Out What Your Arizona Policy Is Worth
Answer a few quick questions so we can match you with the best options — takes about 2 minutes.
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Or call directly: 503-832-8555 · Book a Free Consultation