Arkansas’s life insurance laws are governed by Title 23 of the Arkansas Code (Chapter 81).
- Minimum 10-day free look period (AR Code Ann. 23-79-112)
- 30-day grace period (AR 23-81-104)
- Insurers must pay claims within two months, and claims not paid within 30 days are subject to interest starting from the date of death (AR 23-81-113)
- Guarantees up to $300,000 in death benefit payments and $100,000 for lost cash surrender value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, California’s life insurance laws and Colorado’s life insurance laws are nearly identical to those of Arkansas).
How Much Is A $10,000 Whole Life Policy In Arkansas?
The table below shows the rates by age of $10,000 of whole life insurance in Arkansas.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.56 | $16.91 | $13.78 | $15.76 |
| 25 | $15.83 | $18.31 | $15.43 | $17.07 |
| 30 | $17.47 | $19.60 | $16.68 | $18.62 |
| 35 | $18.56 | $22.06 | $17.73 | $20.48 |
| 40 | $20.52 | $24.87 | $19.58 | $23.25 |
| 45 | $23.67 | $28.79 | $22.30 | $27.56 |
| 50 | $27.11 | $33.76 | $24.68 | $31.44 |
| 55 | $32.63 | $39.95 | $28.48 | $36.43 |
| 60 | $39.11 | $46.95 | $33.15 | $42.20 |
| 65 | $48.15 | $57.85 | $40.86 | $50.81 |
| 70 | $60.30 | $71.36 | $53.07 | $60.77 |
| 75 | $97.34 | $133.13 | $71.60 | $95.22 |
| 80 | $135.08 | $181.90 | $98.48 | $135.30 |
| 85 | $187.95 | $257.60 | $132.59 | $192.92 |
You Won't Find A Lower Rate
Choose kindness.
You never know what battles people may be fighting.
Best Life Assurance In Fort Smith
Fort Smith, nestled on the border between Arkansas and Oklahoma, boasts a rich tapestry of history and natural beauty. Known for its pivotal role in the early frontier days, it was established as a military fort in 1817. Today, Fort Smith merges its historic charm with modern attractions, offering visitors and residents alike a unique blend of cultural heritage, arts, and outdoor activities. The city’s vibrant past is preserved in its museums, including the Fort Smith National Historic Site, while its scenic parks and rivers provide ample opportunities for exploration and recreation. With its welcoming community and diverse offerings, Fort Smith stands as a testament to the enduring spirit of the American frontier.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Professional Insurer | 5101 Old Greenwood Road Pebley / Reserves, 5101 Old Greenwood Rd Pebley / Reserves | +14792629292 |
| Johnson Moorman & Russell Insurance | 1120 Garrison Ave | +14797852912 |
| Maxwarranty Insurance Agency | 210 N Greenwood Ave | +14797827000 |
| Northwestern Mutual Life Insurance | 622 S 21st St B | +14797854545 |
| Shelter Insurance – Kevin Minks | 2026 Dodson Ave | +14797821117 |
| Eastside Insurance Company | 3203 Waco St | +14792791352 |
| Rainforest Insurance Agency | 109 N 6th St | +14792354878 |
| InsureFS | 705 S 24th St | +14792821150 |
| Behemoth Insurance LLC | 3027 S 66th St | +14792076031 |
Best Coverage In Little Rock
Nestled on the banks of the Arkansas River, Little Rock is the vibrant capital city of Arkansas, blending charming Southern hospitality with a modern, urban vibe. As the cultural, economic, and governmental heart of the state, Little Rock boasts a rich historical tapestry, exemplified by landmarks such as the Little Rock Central High School National Historic Site and the Old State House Museum. The city’s downtown area is a hub of activity, offering a diverse array of dining, shopping, and entertainment options. Outdoor enthusiasts enjoy the expansive Pinnacle Mountain State Park and the picturesque Arkansas River Trail. With its friendly communities, burgeoning arts scene, and scenic beauty, Little Rock offers a compelling mix of attractions for both residents and visitors alike.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Corbin Cobbs: Primerica – Financial Services | 1501 N University Ave#205 | +15019933031 |
| Brown & Brown of Little Rock | 2120 Riverfront Dr #200 | +15013722232 |
| Reserve National Insurance Co | +15016640511 | |
| Little Rock Insurance Company | 2725 Cantrell Rd # 201 | +15015120031 |
| New York Life Insurance-Jonathan Kazemi | 13501 Chenal Pkwy #200 | +15016073279 |
| AR insurance Little Rock | 1800 Jr Deputy Rd | +15014811320 |
| Gavin Smith, Bankers Life Agent | 10800 Financial Centre Pkwy Ste 299 | +15012254760 |
| Happy Life Insurance | 1319 Broadway St | +15015120078 |
| Mariano Moore, Bankers Life Agent | 10800 Financial Centre Pkwy Ste 299 | +15012254760 |
| Little Rock Insurance Agency | 1020 W 2nd St | +14796891943 |
| Safe Insurance AR | 1 Riverfront Dr # 515 | +15014812702 |
| Robinson and Associates L.L.C. | 213 N Laurel St | +15015335001 |
You Won't Find A Lower Rate
Choose kindness.
You never know what battles people may be fighting.
Best Policies In Fayetteville
Fayetteville, nestled in the heart of North Carolina, is a city rich in history and brimming with southern charm. Known for its strong military roots, Fayetteville is home to the prestigious Fort Bragg, one of the largest military installations in the world. This vibrant city offers a blend of historical attractions, lush parks, and a thriving arts scene. From the quaint shops and local eateries of its historic downtown to the tranquil trails of Cape Fear River, Fayetteville provides an array of experiences for residents and visitors alike. Whether you’re exploring the Airborne and Special Operations Museum, enjoying a performance at the Cape Fear Regional Theatre, or attending one of its many festivals, Fayetteville invites you to discover its unique blend of heritage, culture, and community spirit.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| FB&L Insurance | 26 E Meadow St Suite 11 | +14793400436 |
| Sims & Renner Insurance | 1280 E Stearns St #5 | +14796844100 |
| MVM Agency | 3608 Steele Blvd Suite 103a | +14793084700 |
| Insurance Marketplace | 2901 E Zion Rd #1 | +14792732471 |
| The Agency Insurance and Financial Northwest Arkansas | 2928 N McKee Cir Ste 112 | +14793680086 |
| Paul E. Dunn Insurance | 1722 N Gregg Ave | +15015573611 |
| Shelter Insurance – Max Hart | 16 E Spring St Ste B | +14793320297 |
| Shelter Insurance – Ashley Tuttle | 16 E Spring St Ste A | +14793320296 |
| Shelter Insurance – JT Finley | 2142 N College Ave | +14795214220 |
| NW Arkansas Insurance | 2907 E Joyce Blvd STE 1 | +14794446933 |
| Strong Insurance AR | 3887 N Crossover Rd | +14792076190 |
| Life agent | 3595 N Shiloh Dr | +14793326097 |
| Metro Insurance | 83 Colt Square Dr | +18667651850 |
Best Life Cover In Jonesboro
Jonesboro, nestled in the heart of Georgia, stands as a vibrant suburb of Atlanta, radiating southern charm and a bustling community spirit. Known for its rich history, scenic parks, and a wide array of shopping and dining options, Jonesboro offers residents and visitors alike a blend of modern amenities and historical treasures. From the iconic Road to Tara Museum, celebrating the city’s connection to the classic novel “Gone with the Wind,” to outdoor adventures at the Clayton County International Park, Jonesboro provides a captivating mix of cultural and recreational activities. With its warm, welcoming atmosphere and diverse attractions, Jonesboro remains a cherished destination for those seeking the allure of Southern hospitality combined with the convenience of suburban living.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| IHC Specialty Benefits NEA | 4200 S Caraway Rd | +18707614700 |
| United Insurance Agency | 268 Southwest Dr | +18703362062 |
| Selby Insurance and Financial | 2216 Wilkins Ave | +18703362121 |
| Adams Health Insurance | 906 S Main St | +18707035188 |
| Julie Casey – Aflac Insurance Agent | 1002 Wilkins Ave | +18709325664 |
| Clayton Fletcher – State Farm Insurance Agent | 1812 Pleasant Grove Rd Suite A | +18703360492 |
| Mike Ebbert – Mutual of Omaha | Ebbert Insurance Inc, 408 S Main St | +18709729511 |
| Alfaro Insurance | 2303 Stallings Ln Suite A | +18702039710 |
| Advantage Insurance | 87 Co Rd 338 | +18702240934 |
| Lakenan Insurance St Genevieve Inc. | 2479 Browns Ln | +18709327448 |
| Health Care Insurance Of Arkansas | 1825 E Nettleton Ave STE F | +18709728038 |
Best Life Insurance In Springdale
Springdale is a vibrant city known for its lush landscapes and thriving community spirit. Nestled in the heart of nature, this charming locale offers residents and visitors a unique blend of outdoor activities, cultural experiences, and a strong sense of local heritage. With an array of parks, trails, and recreational facilities, Springdale is an ideal destination for those who cherish an active lifestyle amidst scenic beauty. The city also boasts a dynamic economy, with a mix of local businesses and industries that contribute to its growth and vitality. From its friendly neighborhoods to its bustling downtown area, Springdale embodies a welcoming atmosphere where tradition and progress harmoniously coexist.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Denver Little Insurance Group | 5204 S Thompson St # C | +14799271109 |
| American International Insurance Agency | 511 N Thompson St | +14792555688 |
| Insurance Advantage & LMA Financial Services | 7253 W Sunset Ave Suite B | +14793472039 |
| Boone Ritter Insurance | 3906 B Kelley Ave | +14797519272 |
| Sheron Harp – Aflac Insurance Agent | 2816 N Thompson St | +14797503138 |
| Rob Earp New York Life | 3409 Elm Springs Rd Suite 3 | +14793871989 |
| American National Ins – Garcia Agency | 1336 Carley Rd | +14793816855 |
| Shelter Insurance – Mike Deatherage | 720 W Sunset Ave | +14797562208 |
| Sean Simons American National Insurance | 6801 Isaac’s Orchard Rd Ste 212 | +14797172009 |
| Sincere Insurance LLC | 402 W Allen Ave | +14792750701 |
| Taylor & Associates Insurance Services | 2964 W Huntsville Ave # C | +14797514734 |
You Won't Find A Lower Rate
Choose kindness.
You never know what battles people may be fighting.
Top Life Insurance Companies In Arkansas
For the residents of the great state of Arkansas, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
“Immediate Solution” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 0 – 85 |
| Coverage | $1,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- 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
“Living Promise” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 45 – 85 |
| Coverage | $2,000 – $50,000 |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
“Protection Series” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Ages | 45 – 89 |
| Coverage | $2,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
