Buying The Cheapest Burial Insurance in Arizona in 2024
Posted in Burial Insurance by State last updated on December 2, 2023Are you looking to learn about and buy the cheapest & best burial insurance in Arizona?
Then you are in the perfect place to shop. Arizona final expense life insurance(funeral insurance, burial insurance, cremation insurance etc.) is perfect for you because the premiums never increase, death benefit never decreases, coverage never expires, pays out a lump sum tax free death benefit to your beneficiary so they can pay your burial & end of life expenses.
There are no medical exams to qualify just health questions, health history & prescription checks. Coverage ranges between $1,000 – $50,000. Answering health questions(simplified issue plan) is how you avoid a waiting period and get the cheapest coverage.
If you are looking for coverage with no health questions(guaranteed issue plan) or underwriting this will be an automatic 2 year waiting period(no exceptions).
Related: Burial Insurance in Every State
Table of contents
Understanding Burial Insurance in Arizona
Burial Insurance(final expense, funeral insurance, cremation insurance etc.) is simplified issue whole life, guaranteed issue whole life or in some cases prepaid burial.
Final expense insurance is a permanent whole life insurance policy with no medical exams and coverage amounts up to $50,000. The life insurance policy provides a lump sum payout to your beneficiary that can use the money for burial and other end of life expenses.
Any money leftover after your final expenses are paid is for your beneficiary to keep for any purpose.
Burial Insurance Cost in Arizona Ages 19-91
Our table below will provide sample burial insurance quotes in Arizona pulled directly from our quoting tools. You will also see the available companies per age for buying funeral insurance in Arizona each company sells final expense products which is whole life insurance with no medical exams.
| 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 Final Expense Life Insurance Companies in Arizona
Picking the best life insurance company comes down to a few factors.
- What are your unique needs?
- What is your health profile?
While these burial insurance policies do not have medical exams they do have simplified underwriting, meaning they look at your Medical Information Beurea health report and prescriptions.
This determines eligibility, we pride ourselves on our advanced training that is next to none. We specialize in helping clients with conditions such as COPD, heart attack, stroke, CHF, and aneurysm get qualified for coverage and in many cases day one level coverage.
What makes the best Life Insurance companies?
What makes the carrier qualify as the best or better put one of the best is a couple key points.
- Are they A-rated?
- Have they been in business for more than 50 years?
Those are the 2 most prominent factors. An A-rating is earned through doing business the right way for a long period of time. This rating is not just given it is earned through customer satisfaction and positive reviews, a life insurance company can’t just open their doors and announce themselves A-rated.
Now have they been in business for more than 50 years? This shows stability, if an insurance carrier has been in business for over 50 years or more the odds of them going belly up are slim to none. In other words, they will always be there for your family!
Here at ParamountQuote, we know this as a fact which is why we work with nothing but the best carriers with solid reputations. We are national and represent more than 10 plus A-rated carriers.
That being said the best burial insurance companies available in AZ are as follows:
Mutual of Omaha
Mutual of Omaha funeral coverage offers the extremely cheap rates in Arizona. Now their Living Promise funeral coverage plan requires applicants to be in decent health. If you have moderate health conditions like recent heart attack, stroke etc. you may want to look at a different company.
 | 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. | |
Prosperity Life
Prosperity funeral coverage is ideal for applicants with moderate health conditions. They are extremely liberal in their underwriting. If you have a few health conditions that may be a great option with cheap rates.
 | 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. | |
American Amicable
Funeral coverage with American Amicable is also very friendly to applicants with moderate health issues. They offer the lowest rates to tobacco users that apply so if you smoke and want to save money this is a good option for you.
 | 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. | |
Aetna
Funeral coverage with Aetna Accendo is perfect particularly for applicants with breathing conditions. If you have COPD(depending on time of diagnosis & severity) this would be a top choice to save money on premiums.
 | 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
If you have extreme health conditions Guarantee Trust Life funeral coverage is a good option because they only have 5 health questions. If you can answer “no” to all of their health questions and your medical history reflects that you will be approved.
Now this plan does not have a full 2 year waiting period. Instead after policy year 1 it will pay 50% of the death benefit and after policy year 2 the full death benefit is paid. This makes it better than the standard guaranteed issue plan.
 | 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) |
Gerber
If you have extreme health conditions and only qualify for coverage with no health questions Gerber funeral coverage is your best option. They offer the cheapest guaranteed issue burial insurance rates on the market.
 | 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) |
How much does it cost to be Buried in Arizona?
A full-service funeral in AZ can range between $3,235 to $13,830
You can also visit your local funeral homes for a general price list to make comparing prices more accurate. There’s also inflation to be taken into account, everyone from national funeral directors to your average funeral home employees know funeral prices will increase over time.
This is why we always advise clients to consider getting a policy with double the face amount for when prices double.
Cremation
Cremation is a much more affordable option to consider.
A cremation in Arizona on average is $2,500. While this option may be more affordable it still represents a financial burden on most people. Buying a cremation policy for seniors is a lower life insurance premium due to a lower coverage amount.
The bottom line is no family should be left with the financial burden of taking care of their loved ones’ final expenses. The goal is to make their grieving just a little bit easier and show them how much you cared! That is what burial insurance in Arizona is there for.
Working With a National Independent Agency for Burial Insurance in Arizona
There are 2 different kinds of agencies to work with.
- Captive Agency – Typically represents one product or maybe 3 carriers maximum. Restricted by state lines.
- National Independent agency – Works with more than 10 A-rated carriers. Not restricted by state lines.
As you can see captive agencies are extremely limited on what they can offer clients in fact that is why so many times we find clients have poor products in place due to these agencies.
This is why as a national agency we guarantee the best rate with the best carrier for your unique situation.
ParamountQuote The Right Choice
- Our agency is Independent and Nationwide. We guarantee the best coverage and rate for your specific situation
- We specialize in burial coverage with our expert training finding the perfect plan fit.
- The agent you speak with becomes your personal advisor on call all the time! We are dedicated to developing relationships with our clients for the long haul!