Burial insurance, also known as final expense insurance, is a cost-effective type of life insurance designed to cover end-of-life expenses. And, in the state of Arizona, that policy is an amazing deal with state law acting as an emergency cushion should any of your claims fail.
In an ever-competitive market, navigating and deciding which provider is best for you and your loved ones can be a hassle. That’s where Final Expense Benefits come in. We’ve partnered with some of the best insurance companies in the US to help people like you find the best policy for you—at any budget, under any condition, in any state in the nation.
If you’re looking for funeral coverage in the Grand Canyon State or any other state, call Final Expense Benefits at (866) 786-0725, Monday through Friday, 9 a.m. to 5 p.m. ET, and learn more about how you can make the most out of your burial insurance policy today.
Key takeaways
- Unless you’re planning for direct burial arrangements, average funeral costs in Arizona are, at a minimum, 10% cheaper when compared to the national average.
- Top providers such as Aetna Accendo, Americo, and Foresters Financial offer cheaper rates compared to national averages.
- Meanwhile, other companies such as Mutual of Omaha can match national rates for funeral insurance.
- Currently, there are no state laws that affect people’s ability to apply for or use funeral insurance.
Average Cost of Funerals in Arizona
Compared to national averages, Arizona funeral costs are generally mixed. Burial methods such as full-service funerals, full-service cremations, and direct cremations are 10% cheaper than the rest of the US. The only difference in pricing is direct burial, which is 14% more expensive than the national average.
According to Funeralocity, average funeral costs in the Grand Canyon State will vary by the type of funeral arrangement you or your loved ones choose:
- Traditional funeral with burial service: $7,772 + $1,977 average burial plot cost
- Direct burial (burial with no funeral service): $3,295
- Cremation with traditional funeral service: $5,372
- Direct cremation (cremation with no funeral service): $1,490
Prices for basic services may vary depending on location, desired funeral amenities, and more. Check out Final Expense Benefits’ funeral cost calculator for more information.
Top-Rated Funeral Homes in Arizona
Check out our recommendations for some of the most popular, top-rated funeral homes in the state of Arizona:
| Funeral Home | Location | Phone Number | Average Customer Rating |
|---|---|---|---|
|
Tolleson, AZ |
4.8 / 5.0 |
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Mesa, AZ |
4.8 / 5.0 |
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Tempe, AZ |
4.7 / 5.0 |
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Tucson, AZ |
4.6 / 5.0 |
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Somerton, AZ |
4.5 / 5.0 |
Top-Rated Natural Burial Sites in Arizona
Natural burials, also known as eco- or green burials, are a type of burial method that allows the deceased to decompose naturally. The body is prepared to prevent environmental impact and aid conservation efforts. They can be a great, cost-accessible option as they usually require fewer resources and steps compared to a traditional memorial service.
Green burials are legal in the US. However, regulations vary nationwide, with California, Georgia, Maryland, and Washington being the only states to have formally legalized and regulated funeral and burial practices.
In Arizona, natural burials are considered legal but unregulated by state law. Because of this, not all cemeteries allow for natural burial practices—so it’s important to call and inquire beforehand if such burial methods are permitted at your site of interest.
| Funeral Home | Location | Phone Number | Average Customer Rating |
|---|---|---|---|
|
El Mirage, AZ |
4.8 / 5.0 |
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Phoenix, AZ |
4.8 / 5.0 |
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Marana, AZ |
4.8 / 5.0 |
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Bisbee, AZ |
4.5 / 5.0 |
Arizona Funeral Cost Breakdown
State by state, the average funeral price relies on several factors, like the type of service you or your loved ones prefer and any additional services. Typically, traditional burials are often regarded as the most expensive burial option due to the cost of land plots and caskets.
Here are some of the components that will affect your total funeral cost in the state of Arizona:
- Basic Services: costs currently average around $1,657; individual service costs include licensing, funeral director fees, and more.
- Transportation: state average costs are around $909 and typically include charges for vehicle services and transportation to your local morgue/crematorium.
- Service Preparation: standard processes, such as embalming, cost around $895 in Arizona.
- Funeral Service: amenities, including charges for memorial service officiants, inclusion of floral arrangements and decorations, and funeral home fees, cost an average of $811. Additional accommodations for larger gatherings can increase the total cost for this part of the funeral.
- Casket: the national median cost for a standard wooden casket is about $3,500. In Arizona, there are no state laws that require citizens to purchase a casket for either burials or cremations. However, different cemeteries in the state may have different policies, so it’s essential to speak with officials beforehand to ensure that you’re in compliance with individual gravesites’ rules.
- Burial Plot: in Arizona, the average burial plot costs around $1,977. Depending on the type of burial plot you choose and its location, costs will vary.
If you’re looking for a solution to covering this stack of costs, then look no further than final expense insurance. Final expense insurance, also known as burial insurance or funeral insurance, is a whole life policy that can cover a wide range of end-of-life expenses, including funerals, cremations, nursing homes, and more. Typical burial insurance plans don’t require medical exams and accept most applicants regardless of health, with average payouts ranging from $5,000 to $50,000. There aren’t any state laws affecting Arizona residents’ ability to access these policies, so you have access to top-rated final expense coverage.
Laws for Arizona Funerals, Burials, and Cremations
Whether you’re burying or cremating the dearly departed, it’s important to note that processes for any sort of funeral arrangement are similar nationwide. However, several matters are managed at the state level, and there are some local rules and regulations you and your loved ones must follow before laying someone to rest in Arizona.
Arizona’s Free Look Period & FTC Funeral Rules
The free look period is the required time during which a new life insurance policy owner can terminate an insurance policy without penalty. Generally, the free look period lasts 10 or more days, depending on the insurer your policy is under and any additional state laws. In Arizona, there’s a 10-day free look period, with an additional 30-day grace period for burial insurance policyholders to pay any missed premiums without their plan lapsing.
Additionally, the Federal Trade Commission’s Funeral Rule requires funeral homes to provide consumers with written prices for their products and services upfront. It also allows you to choose only products and services you want from providers, as well as the right to reject any prepackaged options presented to you and your loved ones.
The Arizona Life and Disability Insurance Guaranty Fund
Established in 1977, the Arizona Life and Disability Insurance Guaranty Fund provides protection to local residents in the event of a failed insurance claim. Under this law, claims are covered up to statutory limits of $300,000 in death benefit payments and $100,000 for lost cash surrender value.
Arizona Funeral Insurance Rates Vs. National Averages
When it comes to final expense insurance, policies are available for all ages and budgets. So whether or not you’re young and interested in investing in a plan early or a senior looking to prepare for their golden years in Arizona, here’s a look at some state burial insurance rates and how they compare to national averages:
Sample Burial Insurance Rates - Arizona Averages
| Company | Male 50 y/o | Male 60 y/o | Male 70 y/o | Female 50 y/o | Female 60 y/o | Female 70 y/o |
|---|---|---|---|---|---|---|
|
$34 |
$50 |
$70 |
$27 |
$40 |
$56 |
|
|
$31 |
$43 |
$71 |
$26 |
$35 |
$53 |
|
|
$32 |
$47 |
$75 |
$26 |
$37 |
$55 |
|
|
$31 |
$44 |
$75 |
$24 |
$33 |
$53 |
|
|
$35 |
$43 |
$70 |
$24 |
$33 |
$53 |
For $10K policies with non-smoking applicants and no-pre-existing conditions.
Sample Burial Insurance Rates - National Averages
| Company | Male 50 y/o | Male 60 y/o | Male 70 y/o | Female 50 y/o | Female 60 y/o | Female 70 y/o |
|---|---|---|---|---|---|---|
|
$34 |
$51 |
$73 |
$27 |
$41 |
$58 |
|
|
$40 |
$52 |
$86 |
$34 |
$41 |
$66 |
|
|
$37 |
$50 |
$75 |
$26 |
$37 |
$55 |
|
|
$31 |
$44 |
$75 |
$24 |
$33 |
$53 |
|
|
$31 |
$43 |
$70 |
$24 |
$33 |
$53 |
For $10K policies with non-smoking applicants and no-pre-existing conditions.
Why Choose Final Expense Benefits?
In Arizona or in any other state, Final Expense Benefits is here to educate and guide you through the process of acquiring burial insurance from any top-rated life insurance provider of your choosing.
Remember to use our free online quoting tool for personalized estimates or call us at (866) 786-0725, Monday through Friday, 9 a.m. to 5 p.m. ET, to speak with a representative to help you and your loved ones find the right plan. For more information on burial insurance options across the life insurance market today, don’t forget to contact Final Expense Benefits today.
Best Burial Insurance Providers in Arizona
Don’t wait and get connected with some of the best life insurance providers on the market today. With that said, consider the following companies if you’re seeking final expense coverage in the state of Arizona:
- Aetna Accendo
Backed by CVS Health, Aetna Accendo has plenty to offer for browsing applicants. Not only is it widely known on the market, but they’re also known for their simplified underwriting criteria, making it perfect for those with pre-existing conditions, as well as their financial stability and support service. - Americo
With a wide selection of life insurance riders to customize your policy, Americo can be a reliable choice for seniors seeking coverage. Whether you’re a smoker preparing ahead or you’re simply looking for a financial cushion to rely on, consider Americo, as they consistently offer rates cheaper than the national average.
- Foresters Financial
Like many other top-rated insurance providers today, Foresters Financial offers many burial policy options, additional riders, and bonus packages for Foresters Insurance membership holders, all while remaining competitively priced. - Mutual of Omaha
As one of the industry’s most recognizable and reputable companies, Mutual of Omaha offers a great balance of competitive rates and exemplary customer service. - Transamerica
As one of the largest final expense insurance providers and a Final Expense Benefits partner, Transamerica policies have been considered a reliable selection for seniors seeking coverage.
Final Thoughts
If you plan on settling down in the state of Arizona, at least one thing is for certain: nothing will interfere with your ability to apply for or use a quality burial insurance plan. And to top things off, general costs for most burial methods are significantly cheaper compared to the rest of the US, and failed insurance claims might still be covered with the Arizona Life and Disability Insurance Guaranty Fund.
So whatever your plans to handle funeral expenses, it’s important to get with a reputable insurer like Foresters Financial or Aetna Accendo that can offer coverage at competitive rates for a wide range of budget needs, medical conditions, and more. Regardless of how you spend time in the Sunset State, you and your loved ones can rest assured and set your mind at ease with final expense insurance.
Learn how to start applying for your ideal life insurance plan and prepare for your golden years in the Grand Canyon State. Call Final Expense Benefits at (866) 786-0725, Monday through Friday, 9 a.m. to 5 p.m. ET, and get familiar with the process today.
FAQ
How much does the average funeral cost in Arizona?
Compared to national averages for burials, traditional funerals are 10% cheaper at $7,772, while direct burials that forego burial service are 14% more expensive at $3,295.
How much does the average cremation cost in Arizona?
On average, costs for full-service and direct cremations will be 14-32% cheaper than the national averages. Full-service cremations with traditional burial service will cost around $5,372, and direct cremations will cost around $1,490.
What provider is the best for burial insurance in Arizona?
Whole life insurance providers such as Aetna Accendo, Americo, Foresters Financial, Mutual of Omaha, and Transamerica are just some of the many top-rated companies in an ever-competitive market. For more information and personalized rates, use our free online quoting tool.
Are green burials allowed in Arizona?
Yes, green burials—also known as natural burials—are legal in Arizona but unregulated at a state level. Because of this, not all cemeteries allow green burial methods.
What is final expense insurance?
Final expense insurance is a whole life insurance policy meant to proactively cover final expenses such as nursing homes and hospice care, memorial services, cremations, and other costs. In Arizona, there are no state-specific laws that will affect you or your loved ones from applying for or using final expense insurance. Additionally, this type of plan might also be referred to as burial insurance or funeral insurance.