Arizona Revised Statutes
Ariz. Rev. Stat. § 20-1127 (2026)
Simultaneous deaths
✓ current as of May 2026
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Where the individual insured or the annuitant and the beneficiary designated in a life insurance policy or policy insuring against accidental death or in an annuity contract have died and there is not sufficient evidence that they have died otherwise than simultaneously, the proceeds of the policy or contract shall be distributed as if the insured or annuitant had survived the beneficiary, unless otherwise specifically provided in the policy or contract.
Notes of Decisions
Cited in 3
cases, 2001–2019 · leading case: Unum Life Ins. Co. of Am. v. Craig, 26 P.3d 510 (Ariz. 2001).
Unum Life Ins. Co. of Am. v. Craig, 26 P.3d 510 (Ariz. 2001). “¶ 4 Diane’s estate 2 argues it is entitled to the insurance proceeds under a provision of the Arizona Insurance Code, A.R.S. § 20-1127. William’s estate 3 argues it is entitled *329 to the insurance proceeds under a provision of the Arizona Probate Code, A.”
May v. Ellis, 92 P.3d 859 (Ariz. 2004). “§ 14-2702] requires survival by 120 hours; the other [A.R.S. § 20-1127] requires that the beneficiary meet a more subjective standard of proof with complex evidence that the beneficiary survived the insured if only by a few moments.”
State v. Dodd (Ariz. Ct. App. 2019). “at 330, 332-33, ¶¶ 15, 17, 23, 29 (addressing then-current versions of A.R.S. §§ 20-1127 and 14-2702). After reviewing the statutory history of each provision, the court concluded the statutes could not be harmonized and held that the more recent statute governed.”
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