Skip to Content

J. Michael Low


Mike’s practice principally includes representation of insurers, insurance associations and institutions before the Arizona Legislature, the Arizona Department of Insurance, and other governmental agencies and offices both inside and outside the state of Arizona.

Mike’s practice includes a wide range of insurance-related representation, including litigation consulting, reinsurance matters, arbitrations, and insurance corporate and regulatory matters involving the formation, merger and acquisition of insurers, including captive insurers. He has authored reports and testified as an expert witness in over 100 matters in state and federal court involving life, health, property and casualty insurance coverage, claims handling and bad faith issues.

Mike has been a guest speaker before various groups and organizations on a wide range of insurance issues and has authored several articles covering topics such as the formation of offshore reinsurers, health care risk transfer mechanisms and workers' compensation issues. He has also served as an adjunct professor of law at the Arizona State University College of Law teaching a third-year course on insurance law. He sits on the Boards of 15 captive insurers, including captives owned by Apple, Pacific Life and Voya Financial. He also is an elected Board member and the 2017 and 2018 President of the Arizona Captive Insurance Association.

Mike is a registered lobbyist for the Arizona Council of Life Insurers (ACLI), Prudential, MetLife, MassMutual, Allstate, American Family, AIG, the Mutual Insurance Company of Arizona (MICA), National Association of Insurance and Financial Advisors (NAIFA AZ), Arizona Association of Health Underwriters, and the Arizona Captive Insurance Association (AZCIA) and has participated in the formation of numerous Arizona insurers.


Mike enjoyed a lengthy tenure in public service, most notably serving as Director of the Arizona Department of Insurance (1980-1984), and as Director of the Arizona Department of Administration, Chairman of the Governor's Cabinet, and Chairman of the Governor's Regulatory Review Council (1984-1985). He is licensed as a property and casualty insurance producer by the Arizona Department of Insurance and has received his Mediation Certification from the Institute for Conflict Management in Santa Monica, California.

  • Martindale-Hubbell®, "AV Preeminent" Rating
  • Arizona's Finest Lawyers