Best Life Insurance In Alaska
Alaska’s life insurance laws are governed by Title 21 of the Alaska Statutes.
- 10-day free look period (AK Stat 21.45.020)
- 30-day grace period (AS 21.45.030)
- Requires timely payment of claims within two months (AS 21.45.130)
- The Alaska Life and Health Insurance Guaranty Association guarantees up to $300,000 in death benefit payments and $100,000 in policy cash value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, Arizona’s life insurance laws and Arkansas’s life insurance laws are nearly identical to those of Alaska).
How Much Is A $10,000 Whole Life Policy In Alaska?
The table below shows the rates by age of $10,000 of whole life insurance in Alaska.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.48 | $16.50 | $13.72 | $16.20 |
| 25 | $15.66 | $17.82 | $15.24 | $17.17 |
| 30 | $17.35 | $19.90 | $15.82 | $18.75 |
| 35 | $18.56 | $22.24 | $17.29 | $20.66 |
| 40 | $20.83 | $25.44 | $19.32 | $24.04 |
| 45 | $23.77 | $29.24 | $22.43 | $27.03 |
| 50 | $27.95 | $33.60 | $24.89 | $31.64 |
| 55 | $32.65 | $40.08 | $28.01 | $36.80 |
| 60 | $39.03 | $46.95 | $33.56 | $42.14 |
| 65 | $47.90 | $58.38 | $40.80 | $50.24 |
| 70 | $59.99 | $71.20 | $52.56 | $59.97 |
| 75 | $97.66 | $132.65 | $71.67 | $94.83 |
| 80 | $135.02 | $182.11 | $98.38 | $135.92 |
| 85 | $187.52 | $257.61 | $132.25 | $192.94 |
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Best Life Assurance In Anchorage
Anchorage, Alaska’s largest city, offers a unique blend of urban amenities and untamed natural beauty. Nestled between the snow-capped Chugach Mountains and the waters of Cook Inlet, this gateway to the wilderness serves as a starting point for adventure seekers. Anchorage is renowned for its cultural sites, including the Alaska Native Heritage Center, which provides insight into the area’s indigenous cultures. Despite its northern location, the city enjoys a surprisingly moderate climate, making it a year-round destination for outdoor activities such as hiking, skiing, and wildlife viewing. With its stunning scenery, vibrant wildlife, and the aurora borealis illuminating the night skies, Anchorage is a captivating blend of modern life and the great outdoors.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Randall Moss Insurance | 2960 C St #200 | +19075626224 |
| New York Life: Anderson Leslie | 701 W 8th Ave | +19072575211 |
| Karin Woofter- Anchorage Financial Professional | 7230 Peck Ave | +19072013607 |
| Aurora National Insurance | 4730 Business Park Blvd H-16 | +19075623020 |
| Zachery Friess Agency | 205 E Benson Blvd Ste 119c | +19072807333 |
| Dewar Insurance Agency | 301 Arctic Slope Ave #101 | +19072588888 |
| Alexander Scott Brockett – New York Life Insurance | 188 W Northern Lights Blvd Suite 1300 | +19077755210 |
| Luis Mangandi: Allstate Insurance | 701 E Tudor Rd #135 | +19078025300 |
| Aaron Daniels – COUNTRY Financial Agency Manager | 4300 B St #306 | +19073577466 |
| New York Life Insurance | 188 W Northern Lights Blvd Suite 1300 | +19072796471 |
| Alaskan Benefit Insurance Consultants | 4225 Trapline Dr | +19072431488 |
Best Coverage In Fairbanks
Fairbanks, Alaska’s second-largest city, serves as the heart of the Interior region, embodying a perfect blend of modern living and untamed wilderness. Known for its breathtaking Northern Lights, vibrant arts scene, and historical significance during the Gold Rush era, Fairbanks offers a unique mix of outdoor adventures and cultural experiences. From the serene Chena River that flows through it, to the surrounding rugged landscapes ready to be explored, this city provides an ideal base for both summer and winter activities. Whether you’re looking to immerse yourself in nature, delve into the rich local history, or witness the spectacular phenomenon of the Aurora Borealis, Fairbanks is a destination that promises unforgettable experiences.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| RISQ Consulting | 1292 Sadler Way Suite 335 | +19073655100 |
| Michael Titus New York Life | +19074571664 | |
| Dick Randolph – State Farm Insurance Agent | 610 12th Ave | +19074567787 |
| Terri L. Olsen: Allstate Insurance | 2142 Airport Way ste a | +19074561264 |
| Angela Ritchie – COUNTRY Financial Agent | 505 Old Steese Hwy Ste 115 | +19074523669 |
| Laura Brugger – COUNTRY Financial Representative | 751 7th Ave A | +19074587474 |
| Bradley J Russell – Aflac Insurance Agent | 3504 Industrial Ave | +19074748244 |
| Brooke Meade – Aflac Insurance Agent | 3401 Peger Rd | +19074563477 |
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Best Policies In Sitka
Sitka is a picturesque city nestled on the west side of Baranof Island, in the Alexander Archipelago of the Pacific Ocean. Known for its stunning natural scenery, Sitka blends rich Tlingit Native American heritage with Russian and American history, evident in its diverse architecture and cultural attractions. The city, once the capital of Russian America, hosts the historic Sitka National Historical Park, where visitors can explore totem poles and the site of the 1804 Battle of Sitka. Sitka’s rugged coastline and temperate rainforest offer abundant outdoor activities, from fishing and kayaking to hiking and wildlife viewing. With its compelling history, vibrant culture, and breathtaking landscapes, Sitka is a unique Alaskan city that captivates all who visit.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Stedman Insurance Agency, Inc | 118 American St | +19077478618 |
| Venneberg Insurance Inc | 225 Harbor Dr | +19077478625 |
Best Life Cover In Wasilla
Wasilla is a dynamic city nestled in the heart of the Matanuska-Susitna Valley of Alaska, serving as a critical gateway to the boundless adventures the state has to offer. Known for its breathtaking landscapes and wildlife, Wasilla provides a unique blend of natural beauty and modern living. It’s a place where residents enjoy a close-knit community atmosphere alongside the conveniences of city life, with ample opportunities for fishing, hiking, and exploring the great outdoors. The city’s rich history and cultural heritage, combined with its rapid growth and development, make Wasilla a fascinating and vibrant place to live, work, and visit.
Top Life Insurance Companies In Alaska
For the residents of the great state of Alaska, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 0 – 85 years |
| Coverage Range | $1,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Very low prices
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Underwriting has become stricter (e.g., no insulin)
- Coverage limited to $25,000 for older applicants
Mutual of Omaha
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 45 – 85 years |
| Coverage Range | $2,000 – $50,000 |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
| Policy Type | Whole Life |
| Available States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Age Range | 45 – 89 years |
| Coverage Range | $2,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
Rikin Shah
Rikin is the Founder & CEO of GetSure. He is a licensed life, accident & health insurance agent in all 50 states (plus D.C.) and has over 15 years of experience in the financial services industry. He has been featured in publications such as Forbes, USA Today, and U.S. News & World Report, among others. Rikin holds a B.S. in Applied Mathematics from Columbia University and an MBA from The Stanford Graduate School of Business. If you'd like to speak with Rikin to discuss your life insurance options or questions, don't hesitate to email him at hello [at] getsure.org.
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