Arkansas Life Insurance

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Arkansas residents work hard, play hard, and live hard. Although that might be one reason they don't live as long as those in other states, life in the Natural State is still preferable to most. No one likes to think of their impending death, but as we age and start a family, protecting those we love long after we're gone is one of those unavoidable responsibilities.

Before you search for life insurance quotes, however, there are several factors to consider. Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our search engine will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

Arkansas Life Expectancy and Statistics

According to census reports and health data:

What Are My Life Insurance Options?

Life insurance is somewhat complex. Depending on the type of policy you choose, life insurance can be very flexible or pay for specific things following your death.

The two basic types of life insurance policies offered by Arkansas companies include:

What Are the Differences in Term vs. Whole Life Insurance?

The differences between term and whole life insurance policies are numerous. Understanding your family's needs and your life insurance goals will help you choose the best type of policy for your Arkansas loved ones.

Term life insurance:

Whole life insurance:

Who Should Carry Life Insurance in AR?

If you are like most Arkansas residents, you probably didn't start thinking about life insurance until you achieved a significant milestone. Although life insurance is a good thing for anyone to have, it is especially important for:

Why is Life Insurance Important?

If you should die suddenly or unexpectedly, you don't want to leave your loved ones holding the financial bag. Untimely deaths can often lead to significant costs for family members who may struggle to pay medical bills and burial expenses. Not only do you want to make sure your family avoids the undue stress of figuring out how to afford the average cost of $10,000 for a funeral as they grieve their loss, but you may also want to leave them with a financial cushion to help them pay the mortgage, education expenses, or other major, daily costs.

What Will My Life Insurance Quote Look Like?

The annual premium quotes you will receive for a life insurance policy depends on several factors. While most Arkansas insurance companies use very complex and confusing algorithms to calculate life insurance quotes, the following aspects will have the biggest impact on your life insurance quote:

The average life insurance quote for a 40-year-old male chain smoker is very different from the average quote for a 30-year-old female with a clean bill of health.

Whether you choose term or whole life insurance will also significantly impact your premium quote. For example, a 35-year-old non-smoking woman would pay an average of $61 per month for $1,000,000 worth of life insurance with a 20-year term, and $23.90 per month for $250,000 worth of life insurance with a 20-year term. The same woman may pay an average of $731.50 if she wanted $1 million worth of whole life insurance, or about $188.36 for $250,000 whole life insurance policy.

Where Can I Find Life Insurance in AR?

Life insurance contains as many variables as life itself. Finding the right policy can be time-consuming and frustrating, but it doesn't have to be that way. Knowledgeable, independent insurance agents in the TrustedChoice.com network are always available to answer your questions, suggest coverage options best suited for your goals, and even assist your family members in filing a claim to ease their transition. These agents have years of experience working with Arkansas insurance providers, enabling them to find you a number of quotes with the best coverage options at the most affordable rates. 

Talk with a local Arkansas independent agent to find out how you can obtain the perfect life insurance policy that meets your needs and budget while being there for your family in a lasting way. 

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