Arizona Revised Statutes

Ariz. Rev. Stat. § 20-449 (2026)

Rebates on life or disability insurance

✓ current as of May 2026

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A. Except as otherwise expressly provided by law, no person shall knowingly permit or offer to make or make any contract of life insurance, life annuity or disability insurance, or agreement as to such contract other than as plainly expressed in the contract issued thereon, or pay or allow, or give or offer to pay, allow or give, directly or indirectly, as an inducement to such insurance or annuity, any rebate of premiums payable on the contract, or any special favor or advantage in the dividends or other benefits thereon, or any valuable consideration or inducement whatever not specified in the contract.

B. This section does not prohibit an insurer from retaining an independent third party to conduct a customer feedback effort intended to help the insurer improve the quality of its products or services and to offer an insured business or individual a reasonable incentive to participate in the feedback effort. An incentive is presumed reasonable if it does not exceed two hundred dollars. An insurer may not offer, reference or promote an incentive or feedback effort under this section in connection with an application for or renewal of insurance coverage. For the purposes of this subsection, "feedback effort" means activities that are designed to elicit customer perceptions on a predetermined set of topics that are related to the insurer's products or services, including in-person, telephonic or online surveys, polls, focus groups, interviews, questionnaires and other recognized opinion-gathering mechanisms.

Notes of Decisions

Cited in 5 cases, 1966–2002 · leading case: Johnson v. Am. Nat'l Ins..

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Johnson v. Am. Nat'l Ins. (Ariz. Ct. App. 1980). · cites it 2× “A.R.S. § 20-449 prohibits giving any rebate of premiums or any advantage, benefit or inducement to anyone for the purchase of life insurance, other than the terms of the life insurance contract itself.”

Jamison v. S. States Life Ins. Co. (Ariz. Ct. App. 1966). · cites it 4× “The reason given “additionally” for the trial court’s decision was that the oral agreement alleged in the answer and counterclaim would be a violation of A.R.S. § 20-449. This section reads as follows: “§ 2CM49.”

Ins. Comm'r for the State v. Engelman (Md. 1997). “Code Ann. tit. 18, § 2304; Fla. Stat. ch. 626.”

Wal-Mart Stores, Inc. v. Crist (W.D. Ark. 1987). “Code § 27-12-14 (1975); Ariz.Rev. Stat.Ann. § 20-449 (1975); Fla.”

Milkman v. Am. Travellers Life Ins. (pactcomplphilad 2002). “, Ariz. Rev. Stat. §§20-449 , 20-451; Fla. Stat.”

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