--- title: Life Insurance in Scottsdale, AZ: Free Quotes and Local Facts url: https://coverfolk.com/states/arizona/scottsdale updated: 2026-10-08 --- # Life insurance in Scottsdale, AZ Get a free price from a Arizona agent, and see what families in Scottsdale usually need. [Local facts](#local) Updated October 8, 2026[Fact checked](/editorial-standards) Scottsdale246,183 people The short answer Families in Scottsdale earn a median $104,893 a year, and the typical owned home is worth $856,700. A simple rule puts the need for a typical family here at about **$1,600,000**. Term life is usually the lowest cost way to get there. ## Scottsdale by the numbers Median household income : $104,893Higher than the Arizona median of $81,486 Typical home value : $856,700Higher than the Arizona median of $426,000 Homes owned : 65%60% of owned homes have a mortgage Households with kids : 16%121,398 households in all Age 65 and older : 28%Median age 47.7 Veterans : 11,7035.6% of adults ## Living in Scottsdale Scottsdale is the 7th largest city in Arizona, with 246,183 residents and a median age of 47.7. That is older than the state as a whole, which is one reason final expense comes up a lot here. The median household here earns $104,893, above the US median of $81,604. The typical home costs about 8.2 times that income, a heavy load for one paycheck to carry alone. Compared with nearby Phoenix (15 miles away), homes in Scottsdale are worth more ($856,700 vs $454,900), and fewer households have kids at home. The biggest hands on job group here is sales, at 13.4% of workers. Work coverage usually ends when you leave the job, so a policy you own stays put. ## Who works in Scottsdale The biggest groups of hands on and front line jobs here, as a share of all workers. Some of these jobs can change your price, and some companies treat them better than others. **Sales**13.4%[Real estate agents](/jobs/real-estate-agents)[Self employed](/jobs/self-employed) **Health care**10.8%[Nurses](/jobs/nurses)[EMTs and paramedics](/jobs/emts-paramedics)[Doctors](/jobs/doctors) **Teaching**4.8%[Teachers](/jobs/teachers) **Driving and moving goods**3.8%[Truck drivers](/jobs/truck-drivers)[Rideshare and delivery](/jobs/rideshare-drivers)[Warehouse workers](/jobs/warehouse-workers) ## What fits families in Scottsdale **Mortgage protection** 60% of owned homes in Scottsdale still have a mortgage. If your family would struggle to make that payment without you, size a policy to the loan. [More on mortgage protection](/coverage/mortgage-protection) **Term life for parents** 16% of households here have kids under 18. Term life covers the years they depend on you for the lowest price. [More on term life](/coverage/term-life) **Final expense** 28% of people in Scottsdale are 65 or older, higher than the Arizona rate. A small policy keeps funeral costs off the family. [More on final expense](/coverage/final-expense) **Veterans** About 11,703 veterans live in Scottsdale. VGLI is not your only choice. [More on veterans](/jobs/veterans) ## Final expense and burial insurance in Scottsdale About 68,800 people in Scottsdale are 65 or older. A small final expense policy, also called burial insurance, pays for the funeral so the family does not have to. | Age | Women, $10,000 | Men, $10,000 | | --- | --- | --- | | **60** | $33 | $43 | | **70** | $53 | $70 | | **80** | $98 | $134 | National sample rates, Choice Mutual, Rates valid as of March 9, 2026. Not a quote. [Funeral costs and help in Arizona](/funeral-costs/arizona) ## Arizona rules that protect you * Free look: set by policy * Grace period: 30 days if you miss a payment * Guaranty protection: up to $300,000 in death benefits * Help line: Arizona Department of Insurance and Financial Institutions, 602-364-2499 [All Arizona rules](/states/arizona) ## Common questions in Scottsdale How much life insurance do I need in Scottsdale? A quick rule of thumb: 10 years of income plus what you owe on your home. With Scottsdale's median household income of $104,893 and a typical home value of $856,700, that lands near $1,600,000 for a typical family. Your number depends on your debts, kids and savings. Our calculator does the math. Can I get life insurance in Scottsdale without a medical exam? Often, yes. Many companies approve healthy people with health questions and records instead of an exam. Older buyers can also look at simplified issue or guaranteed issue final expense plans. Do I need an agent licensed in Arizona? Yes. An agent must hold a Arizona license to sell you a policy. You can check a license with the Arizona Department of Insurance and Financial Institutions at 602-364-2499. Source: [Arizona Department of Insurance and Financial Institutions](https://difi.az.gov) What does a funeral cost near Scottsdale? Local prices vary by funeral home. Nationally, the median funeral with viewing and burial was $8,300 in 2023, and $6,280 with cremation (NFDA). Under the FTC Funeral Rule, any funeral home in Scottsdale must give you an itemized price list. Source: [FTC Funeral Rule](https://consumer.ftc.gov/articles/ftc-funeral-rule) · [NFDA price study](https://content.nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral) What happens if my insurance company fails in Arizona? The Arizona Life & Disability Insurance Guaranty Fund protects Arizona policyholders up to $300,000 in death benefits, per insured person. Source: [Arizona Life & Disability Insurance Guaranty Fund](https://azinsurance.gov/life-disability-guaranty-funds) · [NOLHGA: how you are protected](https://nolhga.com/policyholders/how-youre-protected/) ## Near Scottsdale [Phoenix](/states/arizona/phoenix) (15 mi), [Tempe](/states/arizona/tempe) (21 mi), [Mesa](/states/arizona/mesa) (21 mi), [Glendale](/states/arizona/glendale) (22 mi), [Peoria](/states/arizona/peoria) (27 mi), [Gilbert](/states/arizona/gilbert) (27 mi) ## Sources 1. [Census ACS 2024 1 year estimates, table based summary file](https://www2.census.gov/programs-surveys/acs/summary_file/2024/table-based-SF/) 2. [Census 2024 Gazetteer place file](https://www.census.gov/geographies/reference-files/time-series/geo/gazetteer-files.html) 3. [2023 NFDA General Price List Study Shows Inflation Increasing Faster than the Cost of a Funeral (NFDA)](https://content.nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral) 4. [Arizona Department of Insurance and Financial Institutions](https://difi.az.gov) 5. [Arizona Life & Disability Insurance Guaranty Fund](https://azinsurance.gov/life-disability-guaranty-funds) Local numbers are Census American Community Survey 2024 one year estimates for Scottsdale, AZ. The coverage figure is a rule of thumb, not advice.