Guide to Burial Insurance Alabama: Coverage, Costs & Options

Burial insurance in Alabama is your best option with the price of burials being upwards of $8,000 to $12,000 and cremations being between $3000 to $5000 final expense life insurance is a necessity!

These final expense plans are typically for seniors on social security benefits but are available to all Alabama residents. The state of Alabama is known for being the first state to have an electric trolly system also being considered the Heart of Dixie.

Finding burial insurance in Alabama can be a difficult task.

With this article and our help, it will be very easy and simple. We have helped clients all across the USA secure affordable burial insurance for seniors to protect their loved ones from the funeral costs. This means we specialize in final expense insurance.

We make it easy to get the right life insurance company and insurance plan to protect your family.

These policies provide a quick death benefit upon receipt of a death certificate. The insurance company would then pay the exact amount of coverage to the funeral home or funeral director so your family is not left with a financial burden and taking out loans as a result.

Burial Insurance in Alabama Avoid A Waiting Period

Now burial insurance(cremation, funeral & final expense insurance) is simplified issue whole life insurance, guaranteed issue life insurance and prepaid funeral plans.

When it comes to simplified issue whole life you will not have to do a physical exam for life insurance.

You simply answer health questions on the life insurance application and the company will look at your health and prescription history.

If everything checks out and your health history lines up with how you answered their health questions you can be approved even with pre-existing medical issues.

Now if you get denied life insurance or have a health condition that is a knockout for all burial insurance companies the next option is guaranteed issue life insurance.

Guaranteed issue coverage does come with an automatic 2 year waiting period however you are guaranteed approval.

We do not recommend any kind of prepaid burial plans because they have a lot of disadvantages compared to final expense life insurance.

Burial Insurance Cost in Alabama For Ages 19 – 91

Here is a table of sample burial insurance quotes in Alabama for young adults and for seniors. These quotes for funeral insurance in Alabama are pulled directly from our quoter.

You can also see the available life insurance companies for final expense insurance in Alabama.

Age	$10,000 Male Non Smoker	$10,000 Male Smoker	$10,000 Female Non Smoker	$10,000 Female Smoker
19	$12.87	$16.59	$12.03	$13.74
20	$13.19	$17.02	$12.13	$15.40
21	$13.50	$17.46	$12.74	$17.02
22	$14.17	$18.18	$13.06	$17.05
23	$14.54	$18.51	$13.77	$17.08
24	$15.43	$19.19	$15.16	$17.10
25	$15.95	$20.00	$15.28	$17.39
26	$16.28	$20.83	$15.40	$17.69
27	$16.61	$21.75	$15.51	$17.95
28	$16.92	$22.15	$15.61	$18.22
29	$17.25	$22.54	$15.73	$18.48
30	$17.57	$23.07	$16.09	$19.06
31	$17.97	$23.60	$16.45	$19.66
32	$19.84	$24.25	$16.79	$20.21
33	$20.34	$25.00	$17.12	$20.75
34	$20.93	$25.83	$17.45	$21.28
35	$21.53	$26.59	$17.99	$21.89
36	$22.14	$27.37	$18.54	$22.50
37	$22.84	$28.18	$19.06	$23.08
38	$23.54	$29.08	$19.55	$23.62
39	$24.34	$29.87	$20.05	$24.18
40	$23.13	$30.66	$20.70	$24.98
41	$23.62	$31.43	$19.75	$25.80
42	$24.11	$32.21	$19.93	$26.57
43	$24.64	$32.93	$20.10	$27.30
44	$25.18	$33.41	$20.38	$28.03
45	$25.79	$34.00	$20.88	$28.80
46	$26.43	$34.57	$21.43	$29.55
47	$27.10	$35.17	$22.01	$28.06
48	$27.71	$35.58	$22.33	$28.56
49	$27.35	$38.27	$21.78	$29.22
50	$28.29	$39.47	$23.56	$30.14
51	$29.26	$40.77	$24.48	$31.06
52	$30.31	$42.22	$25.09	$32.72
53	$31.47	$43.83	$25.62	$34.54
54	$32.77	$45.44	$26.26	$38.99
55	$34.25	$48.12	$27.11	$40.85
56	$35.88	$52.06	$28.20	$42.71
57	$37.69	$54.25	$29.51	$42.30
58	$39.64	$56.72	$31.70	$43.61
59	$40.10	$55.60	$31.00	$44.50
60	$41.84	$56.72	$31.70	$43.61
61	$43.76	$59.64	$32.87	$45.19
62	$46.41	$63.28	$34.51	$47.48
63	$49.07	$67.72	$36.06	$49.78
64	$51.22	$69.53	$37.72	$52.07
65	$53.58	$72.72	$39.36	$54.36
66	$56.48	$76.06	$41.01	$56.66
67	$59.85	$80.53	$43.44	$60.22
68	$63.18	$84.67	$45.86	$63.60
69	$66.84	$89.65	$48.29	$66.09
70	$70.79	$94.64	$50.81	$70.45
71	$73.15	$98.31	$53.24	$72.18
72	$78.81	$103.97	$56.20	$75.86
73	$83.99	$109.94	$58.46	$79.74
74	$89.46	$116.69	$63.55	$84.14
75	$94.87	$123.65	$67.78	$88.66
76	$99.97	$132.48	$72.41	$94.42
77	$107.04	$141.32	$78.25	$101.63
78	$114.13	$150.57	$83.51	$108.24
79	$122.13	$161.81	$88.44	$115.15
80	$129.52	$171.23	$93.41	$125.01
81	$139.73	$181.75	$98.43	$135.14
82	$149.95	$192.98	$106.21	$147.04
83	$160.16	$204.65	$113.96	$160.56
84	$171.02	$219.19	$121.31	$170.76
85	$181.88	$237.28	$128.55	$179.58
86	$192.74	$257.57	$135.90	$192.35
87	$236.25	$337.32	$171.33	$237.32
88	$276.68	$353.99	$205.98	$253.99
89	$317.10	$370.65	$240.63	$278.99
90	$357.53	$378.98	$275.28	$303.99

Best Burial Insurance and Life Insurance Companies in Alabama

We have listed the best funeral insurance companies for seniors below.

Mutual of Omaha

Mutual of Omaha’s final expense policy is the best Alabama final expense life insurance available. Their living promise final expense policy is perfect for seniors in decent but not perfect health. They are especially friendly to diabetics with no complications.

If you are looking for final expense insurance in Alabama this should be your top choice.

	Age Eligibility	Policy Brochure
★★★★★	45-85	Brochure
Policy Features & Benefits	Type of Policy: Whole Life(Lifetime Coverage)	Waiting Period: Graded Plan(yes) Level Plan(no)
	Death Benefit Amounts: $2,000-$50,000	Level Death Benefit(Death Benefit Never Decreases)
	Available States: All Except NY	Level Premiums(Premiums Never Increase)
	Cash Value Builds in Policy	No Medical Exams Required
Accelerated Death Benefit Rider	Allows the insured to access a portion of the policy’s death benefit while alive for various needs such as medical bills, living expenses, and funeral expenses.
Eligibility	Applicable when the insured is diagnosed with a terminal illness (12 months to live) or has been confined to a nursing home for more than 90 days without the expectation of leaving.
Inclusion	Automatically included in the policy at no extra cost.
Accidental Death Benefit Rider	Provides an extra death benefit equal to the policy’s death benefit in case of death resulting from an accident.
Inclusion	Requires an additional charge to be added to the policy.

American Amicable

American Amicable funeral insurance has the best smoker rates available for Alabama final expense life insurance. Their underwriting is very liberal which makes them a top choice for final expense insurance in Alabama for seniors with moderate health conditions.

	Age Eligibility	Policy Brochure
★ ★ ★ ★ ★	50-85	Brochure
Policy Features & Benefits	Type of Policy: Whole Life(Lifetime Coverage)	Waiting Period: Immediate Benefit Plan(No) Graded & ROP Plans(Yes)
	Available States: All Except NY	Level Premiums(Premiums Never Increase)
	Cash Value Builds in Policy	No Medical Exams Required
	Death Benefit Amounts: $2,000-$50,000	Level Death Benefit(Death Benefit Never Decreases)
Terminal Ilness Accelerated Death Benefit Rider	Allows the insured diagnosed with a terminal illness to use the entire policy death benefit (100%) for any purpose. If you have a $10,000 policy and are diagnosed with a terminal illness, you can access the full $10,000 for various needs.
Accelerated Death Benefit Rider Confined Care	Provides 5% of the death benefit in monthly payments if the insured is confined to a nursing home 30 days after the policy starts. Can be used for monthly bills or other smaller expenses.
Grandchild Rider	Offers $5,000 life insurance coverage per unit for a grandchild or great grandchild, with a maximum of 2 units totaling $10,000 in coverage. Costs an additional $1.00 on the monthly policy premium per unit for each grandchild.
Children’s Insurance Agreement	Provides up to $6,000 in coverage for each child below age 25. Can be converted to a whole life or endowment policy when the child is over 25. Allows coverage up to 5 times the coverage amount, totaling $30,000, without demonstrating insurability.
Nursing Home Waiver of Premium Rider	Waives premium payments on the policy if the insured is confined to a nursing home for over 90 days, making the insurance essentially free.
Accidental Death Benefit Rider	Doubles the death benefit payout if the insured or loved one dies from an accident, with no additional cost to be added.

Prosperity Life

Prosperity final expense insurance might be the best company to apply with if you have quite a few health conditions that are properly controlled. If you have heart conditions or issues with diabetes they are the top choice for Alabama final expense life insurance.

	Age Eligibility	Policy Brochure
★★★★★	55-80	Brochure
Policy Features & Benefits	Type of Policy: Whole Life(Lifetime Coverage)	Waiting Period: Graded & Modified Plans(yes) Level Plan(no)
	Available States: All Except SC,SD,CT,MT,NY,ND	Level Premiums(Premiums Never Increase)
	Cash Value Builds in Policy	No Medical Exam Required
	Death Benefit Amounts: $5,000-$35,000	Level Death Benefit(Death Benefit Never Decreases)
Accelerated Death Benefit Rider	Allows the insured to access the policy death benefit in the event of a terminal illness, providing funds for various needs such as living expenses or early funeral expenses.
Accidental Death Benefit Rider	Doubles the policy payout if death is a result of an accident, operating similarly to other accidental riders.

Aetna Accendo

Aetna final expense life insurance is perfect for seniors with breathing conditions looking for final expense insurance in Alabama. They are very friendly towards these types of health issues which makes them a top choice for Alabama final expense life insurance options.

	Age Eligibility	Policy Brochure
★★★★★	40-89(Preferred & Standard Plans) 40-75(Modified Plan)	Brochure
Policy Features & Benefits	Type of Policy: Whole Life (Lifetime Coverage)	Waiting Period: Preferred & Standard Plan(No) Modified Plan(Yes)
	Available States: All Except NY	Level Premiums (Premiums Never Increase)
	Cash Value Builds in Policy	No Medical Exams Required
	Death Benefit Amounts: $2,000-$50,000	Level Death Benefit (Death Benefit Never Decreases)
Accelerated Death Benefit Rider	Allows the insured diagnosed with terminal, critical, or chronic illness with an expected death within 12 months to access 50% of the policy death benefit for various purposes such as bills or funeral planning.
Accidental Death Benefit Rider	Pays out an amount equal to the policy death benefit for accidental death if the insured is between 40 and 70 years old.
Children’s Term Insurance Rider	Children and grandchildren aged 30 days to under 18 years old can be covered for amounts ranging from $2,500 to $10,000 each. The policy can be converted to a whole life policy for the child between the ages of 22 and 25.

Guarantee Trust Life

Guarantee Trust Life funeral insurance has only 5 health questions on their application. This means if you are a senior with a lot of health issues looking for Alabama final expense life insurance this is your top choice. Getting approved for final expense insurance in Alabama with them is extremely easy.

	Age Eligibility	Policy Brochure
★★★★★	50-90	Brochure
Policy Features & Benefits	Type of Policy: Whole Life(Lifetime Coverage)	Waiting Period: Year 1: ROP+5% Interest Year 2: 50% of Death Benefit Paid Year 3: 100% Death Benefit Paid
	Available States: All Except NY	Level Premiums(Premiums Never Increase)
	Cash Value Builds in Policy	No Medical Exams Required
	Death Benefit Amounts: $2,500-$20,000	Level Death Benefit(Death Benefit Never Decreases)

Transamerica

Transamerica immediate solutions burial policy is just as cheap as Mutual of Omaha. They have very similar underwriting which means if you are a senior in good health this is another top choice for an Alabama final expense life insurance plan.

	Age Eligibility	Policy Brochure
★★★★★	45-85	Brochure
Policy Features & Benefits	Type of Policy: Whole Life(Lifetime Coverage)	Waiting Period: Graded Plan(yes) Preferred & Standard Plans(no)
	Available States: All States	Level Premiums(Premiums Never Increase)
	Cash Value Builds in Policy	No Medical Exams Required
	Death Benefit Amounts: $2,000-$50,000	Level Death Benefit(Death Benefit Never Decreases)
Accelerated Death Benefit Rider & Nursing Home Confinement	Pays the full death benefit if the insured experiences a terminal illness or is confined to a nursing home.
Accidental Death Benefit Rider	Pays an additional coverage amount equal to the face amount for ages 18-70 in the event of death due to an accident. The policy payout doubles, e.g., a $15,000 policy becomes a $30,000 payout to the beneficiary.
Children & Grandchildren Benefit Rider	Offers coverage between $1,000 – $5,000 for children aged 15 days – 18 years, with a maximum of 9 children covered. The coverage can be converted when the child becomes an adult.

AIG

American General burial insurance is a guaranteed issue policy with no health questions. This means everyone is approved. They offer living benefits with their terminal illness rider which allows you to borrow from the policy face amount if you are diagnosed with a terminal illness.

This makes them a perfect option for final expense insurance in Alabama if you are worried about getting extremely sick.

	Age Eligibility	Policy Brochure
★★★★★	50-80	Brochure
Policy Features & Benefits	Type of Policy: Whole Life(Lifetime Coverage)	Waiting Period: Full 2 Year Waiting Period Death Within 2 Years is ROP + 10% Interest Accidental Death Within Waiting Period is Full Policy Payout
	Available States: All Except NY	Level Premiums(Premiums Never Increase)
	Cash Value Builds in Policy	No Medical Exams Required
	Death Benefit Amounts: $5.000-$25,000	Level Death Benefit(Death Benefit Never Decreases)

Gerber Life Insurance

Gerber’s final expense policy is the cheapest guaranteed issue life plan on the market. This means if you are looking to save money on premiums for Alabama final expense life insurance this is your best option.

You cannot be denied for this policy if you are applying for final expense insurance in Alabama.

	Age Eligibility	Policy Brochure
★★★★★	50-80	Brochure
Policy Features & Benefits	Type of Policy: Whole Life(Lifetime Coverage)	Waiting Period: Full 2 Year Waiting Period Death Within 2 Years is ROP + 10% Interest Accidental Death Within Waiting Period is Full Policy Payout
	Available States: All States	Level Premiums(Premiums Never Increase)
	Cash Value Builds in Policy	No Medical Exams Required
	Death Benefit Amounts: $5.000-$25,000	Level Death Benefit(Death Benefit Never Decreases)

Worst Burial Insurance and Life Insurance Companies in Alabama

Below are the worst life insurance companies for seniors in Alabama that should be avoided at all costs.

• Colonial Penn
• AARP
• Globe Life
• Senior Life Insurance Company
• Trustage

Average Cost of a Funeral in Alabama

According to funeralocity.com a full funeral average price in Alabama is $7,426

With that price range in mind, a policy for $10,000 or more will cover everything. There’s also inflation to consider, 10 – 20 years down the road these prices can easily double to $15,000 to $20,000.

So adjusting for inflation is something to keep in mind as well when considering burial insurance in Alabama. These expenses are why so many families in Alabama and all over the USA are in financial debt and see no way out.

Leaving a family with these kinds of expenses should never be on anyone’s mind. That is why burial insurance in Alabama provides such peace of mind for our clients.

They rest assured that their family will be taken care of when their time inevitably comes. They have a vision with these policies and without, we help them achieve their vision WITH these policies.

Burial Insurance Guarantees

These policies come with some very important guarantees.

1. The death benefit is guaranteed to never go down.
2. The premium is guaranteed to never go up.
3. The death benefit to your beneficiary is guaranteed to be tax-free.

These guarantees are paramount to burial insurance policies. There are a lot of advertisements out there marketing things like term life insurance as burial insurance.

The problem with this is that term life insurance will increase when the policy is due to being renewed. This means that for a 20 – year term policy once that 20th year is over the policy can be renewed and be double the cost!

This type of rate increase especially for seniors on social security is simply unaffordable.

With true burial insurance which is whole life insurance, there is a rate lock meaning that as soon as you are qualified for coverage and it is purchased the rate can NEVER increase on you.

This results in peace of mind knowing it is an affordable rate that will never change on you.

How to Get a Burial Insurance policy In Alabama

Getting a burial policy is easy and can be done in 30 minutes.

Simply fill out the form to the right or call our number and one of our licensed agents will be in contact with you.

They will confirm some basic information ask some basic health questions and determine your health profile and what carrier matches best with you and your unique needs.

Enrollment is simple it can be done in 2 ways

1. Voice Signature
2. Email signature

Voice signature is a process with either a 3-way call with the insurance company or a simply recorded voice signature between you and our agent.

The 3-way call will consist of you doing a telephone health interview with the insurance company with our licensed agent on the line with you guiding you.

The other is a recorded voice signature between you and our agent.

As for email signature, our agent fills out the application for you and sends you an email for a DocuSign signature.

Guaranteed Acceptance

No matter what your health profile is acceptance is guaranteed. Even for individuals with extremely poor health, we will get you coverage.

We pride ourselves on helping clients get coverage even with health conditions such as diabetes, recent heart attack, stroke, congestive heart failure, mental health issues, and much more!

ParamountQuote Mission

If you are looking for burial insurance in Alabama, look no further. Allow us to earn your business. We can get you instant approval coverage in minutes and the best rate guaranteed! That will save you the most money.

1. We are a national independent broker with access to the top major carriers in all 50 states which guarantees the best rate and best coverage.
2. We specialize in burial insurance and helping people with major health conditions get day 1 coverage.
3. Our agents become your personal agent for life! We work for you, not the insurance companies.