Seniors in Alabama enjoy their well-known laid-back lifestyle, warm weather, classic sports, and delicious food. However, one benefit to living in the heart of the South that may go unnoticed is a low average funeral cost.
Alabama’s average funeral cost of $8,428 is slightly below the national average, but that’s still a significant sum, and is often due up front. That’s why seniors are turning to burial insurance in Alabama.
If you’re searching for burial insurance in Alabama or anywhere in the United States, Final Expense Benefits is here to help. As a top burial insurance brokerage, we can help you find your best fit, no matter your budget or health needs.
To learn more about burial insurance in Alabama, call us today at (866) 786-0725 Monday through Friday, 9 a.m. to 5 p.m. ET. To check how much coverage you need and how much it could cost, try our free online funeral cost calculator and personalized quoting tool.
Key takeaways
- The average cost of a funeral in Alabama is $8,428, a significant sum usually due up-front.
- Burial insurance is a great way for Alabama seniors to cover these expenses and more.
- Simple laws for Alabama burial insurance help protect senior consumers and promote a trustworthy market.
- As a partner with over 20 of the best senior burial insurance companies, Final Expense Benefits can connect you to burial insurance in Alabama at any budget.
Average Cost of a Funeral in Alabama
The average cost of a funeral in Alabama is $8,428, slightly below the national average of $8,593. Though Alabama funeral costs are lower than national averages, they are still high and will continue to rise.
Funeral costs vary by your preferred type of funeral. According to Funeralocity, average Alabama funeral costs range from:
- Traditional funeral & burial: $8,428 + $2,541 burial plot cost
- Cremation with traditional funeral service: $6,137
- Direct burial (burial with no funeral service): $5,041
- Direct cremation (cremation with no funeral service): $2,032
These prices are for basic services and may vary depending on your location, desired funeral amenities, and more. Check our funeral cost calculator for more information.
With rising funeral costs and no end in sight, smart seniors who want to secure peace of mind for themselves and their loved ones are turning to burial insurance. Here’s more about funerals in Alabama and how burial insurance can help cover them:
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Top Funeral Homes in Alabama
Here are some of the most popular funeral homes in Alabama. Contact them for more accurate Alabama funeral cost estimates:
| Funeral Home | Location | Phone Number | Customer Rating |
|---|---|---|---|
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Gadsden, AL |
4.9 / 5 |
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Huntsville, AL |
4.8 / 5 |
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Huntsville, AL |
4.8 / 5 |
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Huntsville, AL |
4.4 / 5 |
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Athens, AL |
4.4 / 5 |
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Alabama Funeral Cost Breakdown
Costs for funerals in Alabama vary by type, desired services, and location. Traditional funerals are the most expensive, as they require expensive services like funeral home rentals, officiants, body preservation, burial plot costs, and more.
Here’s a breakdown of the average cost of a traditional funeral with a burial in Alabama:
- Basic services
Funeral homes charge fees for basic services, including funeral directors and permits. These costs add up quickly and average about $2,052 in Alabama. - Transport
Funeral transportation costs include fees for moving the body from the morgue to the funeral home and delivering the casket to the cemetery in a hearse. These fees average around $926 in Alabama - Service preparation
Embalming, makeup, and clothing are some of the pricey body preservation and preparation services required for traditional funerals. Service prep costs average about $1,106 in Alabama. - Memorial service
Memorial service costs include charges for officiants, funeral home rentals and staff, flowers, decorations, and more. If the funeral is a large gathering, these costs will increase beyond Alabama’s average of $844. - Casket
Casket costs vary depending on construction, material, and quality, but the average wooden casket costs about $3,500. - Burial plot
Burial plot costs in Alabama average about $2,544, but they vary by plot type and location. Costs are typically higher in densely populated areas like Montgomery and Birmingham than in rural regions.
Funeral homes often require these large expenses to be paid up-front. Though funeral and burial plot costs are significant, burial insurance provides plenty of coverage to take care of them and more. Here’s more about burial insurance in Alabama:
Burial Insurance Laws in Alabama
Here are Alabama’s main burial insurance laws and requirements, and how they can help protect senior customers:
- Free look period
Per Alabama state law, life insurance companies are required to provide new policies a 10-day free look period after they receive a paper copy of their new policy. Policyholders can use this time to decide if they want to keep the policy, and are entitled to a full refund of any paid premiums or service charges if they choose to return it.
- Grace period
Alabama state law grants policyholders a 30-day grace period to pay any missed premiums before insurers lapse their policy.
- Contestability period maximum
Most insurers have a period in which they can dispute a policy’s payout if the policyholder dies. Alabama state law sets a maximum of two years on this period, and insurers cannot dispute payouts for any reason except nonpayment of premiums beyond this time.
- FTC funeral rule
To protect consumers from being overcharged, the FTC funeral rule entitles them to full itemized lists of funeral charges. They are also allowed to pick individual services, not just a funeral service package.
Burial insurance laws in Alabama help protect seniors, their beneficiaries, and their life insurance payouts. Final Expense Benefits is here to help you understand your rights and options for Alabama burial insurance. Call us today to learn more or start your application.
How Much is Burial Insurance in Alabama?
Also called final expense insurance, burial insurance is the best way for seniors in Alabama to secure lasting peace of mind. Burial insurance provides lifelong coverage, rates locked at policy start, and benefits that grow in cash value, ensuring significant financial security for loved ones.
Average benefit payouts range from about $5,000 to $50,000, providing plenty of coverage for funerals, burial plots, cremations, and other end-of-life expenses. In addition, burial insurance is designed with seniors’ complex health needs in mind.
Burial insurance medical underwriting is relaxed, allowing seniors with pre-existing medical health conditions to qualify for great coverage without high rates. Thanks to these relaxed requirements, seniors with managed medical conditions, like diabetes, can qualify for immediate coverage.
Call Final Expense Benefits today for help finding the perfect Alabama burial insurance plan for your health and budget needs. And don’t wait: rates rise as applicants age, so apply early to secure your best rates.
Alabama Burial Insurance Rates
Burial insurance is great for seniors seeking funeral cost savings. With low, locked-in rates, burial insurance provides Alabama seniors with great bargains. Rates average from around $30 to $150, offering reliable, affordable coverage.
Below are sample rates for a typical $10,000 burial insurance policy in Alabama from Mutual of Omaha, one of our top partner burial insurance providers:
| Age | Monthly Rate (Male) | Monthly Rate (Female) |
|---|---|---|
|
50 |
$31 |
$24 |
|
55 |
$36 |
$28 |
|
60 |
$44 |
$33 |
|
65 |
$56 |
$41 |
|
70 |
$75 |
$53 |
|
75 |
$100 |
$72 |
|
80 |
$140 |
$98 |
These rates are calculated for a $10,000 burial insurance policy in Alabama from Mutual of Omaha, using a non-smoking applicant with no pre-existing health conditions.
To start your application or learn more about burial insurance in Alabama, call Final Expense Benefits today, or check our free online quoting tool.
How Final Expense Benefits Helps You Find Burial Insurance in Alabama
As a leading burial insurance agency, Final Expense Benefits is proud to partner with over 20 of the top burial insurance companies. We’ll handle the hardest parts of your burial insurance search and application, and connect you to your best rates and coverage.
We can help you shop from any of our top-rated providers, connect you to great coverage, and complete your application, all from the comfort and convenience of your own home. Call Final Expense Benefits today at (866) 786-0725 to find your best option for Alabama burial insurance. Here are some of our top providers:
What’s the Best Burial Insurance in Alabama?
Alabama seniors have full access to all of Final Expense Benefits’ top senior life insurance partners, giving you plenty of options.
Plus, you know you’re getting great coverage you can trust, because we partner with only the best life insurance providers.
All our top partners offer quality rates and coverage, but here are some of our top picks for burial insurance in Alabama:
- Aetna Accendo
Aetna Accendo is a great choice for seniors with pre-existing medical concerns, thanks to their simple underwriting practices. And with the backing of CVS Health, Aetna Accendo policies are a reliable choice, with the upside of the broad catalog of Aetna Senior Products.
Best for: Seniors with health concerns seeking reliable coverage.
- Americo
Americo Senior Life Insurance is great for seniors seeking coverage on a budget. Their policies are reliable and affordable, with a variety of life insurance riders to fit complex health or budget needs.
Best for: Seniors in good health seeking low-cost coverage. - Mutual of Omaha
One of the most popular senior life insurance providers, Mutual of Omaha offers low rates, diverse policies, and acclaimed customer service.
Best for: Seniors seeking reliable coverage at low rates.
Final Thoughts
Seniors in Alabama who want to take care of their end-of-life expenses ahead of time should try burial insurance. These policies are great for seniors seeking reliable and affordable coverage, regardless of health or budget concerns.
Whether you’re looking for a policy now or want to learn more about your options, Final Expense Benefits is here to help you on your journey to affordable peace of mind. As a leading burial insurance agency, we partner with over 20 of the top senior life insurance providers, so you know you’re getting the best coverage.
Call Final Expense Benefits to learn more about your best options for Alabama burial insurance. We’re available Monday through Friday, 9 a.m. to 5 p.m., at (866) 786-0725. To see how much coverage you need and how much it could cost, check our free online funeral cost calculator and personalized quoting tool.
FAQ
How much does a funeral cost in Alabama?
Funeral costs in Alabama vary by funeral type and desired services. The average cost of a traditional funeral with a burial in Alabama is $8,428, plus an average of $2,541 for a burial plot. Check our funeral cost calculator for personalized estimates.
How can I lower funeral costs in Alabama?
Alabama seniors seeking to lower or cover funeral costs can try government resources or explore non-traditional memorial services, such as:
- Social Security and military funeral reimbursements
- Direct burials & direct cremations
- Green burials
- Burial at sea
- Scientific body donation
Though options could help reduce funeral costs, burial insurance is the most reliable way to cover funeral costs in Alabama.
Can you have a natural burial in Alabama?
Also known as green burials, natural burials are permitted in Alabama, though they are permitted only in specific green burial cemeteries. Contact your local government and funeral service provider to find a suitable location. Costs for natural burials vary by type, location, and more.
What is burial insurance?
Burial insurance is a low-cost type of whole life insurance that offers seniors accessible and reliable coverage. Payouts range from about $5,000 to $50,000, plenty to cover funerals and other end-of-life expenses in Alabama.
How much is burial insurance in Alabama?
Rates for burial insurance in Alabama vary by the applicant’s age and health status, payout value, and more. Average monthly rates for a typical $10,000 burial insurance policy in Alabama range from $30 to $150 monthly for seniors ages 50 through 80. Check our free online quoting tool for a personalized pricing estimate.