Affordable Low-Cost Burial Insurance In Alaska

Everything you need to know about affordable low-cost burial insurance in Alaska!

Purchasing burial insurance isn’t something most people want to think about, but it could come in handy if you’re ever faced with a situation where you need to pay for final expenses.

Burial costs in Alaska can be extremely high, which is why so many people choose to purchase affordable burial insurance as soon as they are able. 

Several options are available if you live in the state of Alaska and are looking at ways to reduce the overall cost of a burial.

Taking the time to compare policies and understand what type of coverage meets your needs is critical when trying to find affordable graves.

Different types of affordable burial insurance in Alaska may meet your specific needs.

These plans offer varying levels of coverage with premiums that typically won’t break the bank.

If you want more information about the various types of burial insurance available, read on for more details:

What Is Burial Insurance In Alaska?

Burial insurance is a type of whole-life insurance specifically designed to cover the costs of your funeral and burial expenses.

It is an essential part of financial planning, as it can help your loved ones cover your funeral costs without worrying about financial burdens.

In Alaska, burial insurance is a valuable option for those who want to ensure that their final expenses are covered.

With the high cost of living in Alaska, having burial insurance can help to ease the financial burden on your loved ones.

What Does Burial Insurance in Alaska Cover?

Burial Insurance in Alaska Cover:

  • The cost of the funeral and cremation services you choose.
  • The cost of the cemetery plot or urn you choose and the related fees connected to purchasing a plot/urn.
  • The cost of transporting your remains from the time of death to receiving them at the funeral home, crematorium, or cemetery where they will be interred or entombed.
  • If applicable, the costs associated with moving your remains from where they were interred or entombed to a new location after their service concludes.
  • Cremation fees, if applicable, include all charges related to the cremation rites. It has but is not limited to embalming, casketing, and transportation costs, applicable fees for the cremation container rental, installation fees for metallic containers such as urns or niches, etc. As well as any additional charges related to using an alternate method such as direct burial, biodegradable container or other methods besides standard cremation.

What Are the Benefits of Burial Insurance In Alaska?

Financial protection:

If you have a loved one who passed away, you might wonder how to pay for their funeral and burial.

Finding the money for these services can be challenging, even if you are unsure what type of funeral service or cemetery to choose for your family.

Burial insurance will help cover the cost of the funeral and burial services so that your family is not left with any financial burden after your loss.

Eliminate the risk of unexpected costs:

Burial insurance provides peace of mind by eliminating the risk of unforeseen expenses that may arise due to unexpected circumstances.

It includes medical bills related to hospice care or equipment needed during a hospital stay following death and incidental costs associated with cremation or interment services such as caskets and headstones.

Survivors receive tax-free income:

Death benefits from life insurance policies are not considered taxable income by beneficiaries under federal tax law.

When your loved ones are grieving and may not have time to think about finances, this can provide them with much-needed financial assistance.

Guaranteed Benefit:

A life insurance policy provides a guaranteed death benefit to your beneficiaries upon your passing.

It means that no matter how much the value of your estate fluctuates over time, your loved ones will still receive the full death benefit as long as you continue to pay premiums.

Simplify the funeral planning process:

When you have burial insurance, your loved ones will not have to worry about how to pay for your funeral and burial services.

It can simplify the funeral planning process and allow your loved ones to focus on celebrating your life rather than worrying about the financial burden of your death.

What is the average funeral cost in Alaska?

A funeral in Alaska typically costs $7,225 for a burial and $6,028 for cremation, according to the National Funeral Directors Association.

Alaska End-of-Life Data

Alaska End-of-Life Data

Final Expense Insurers: 18

Free Look Period: 10 days

Direct means there is no funeral service of any kind. Funeral Service includes the cost of viewing for cremation and burial.

End-of-Life Medical Expenses: $17,720 (U.S. Average: $13,843)

You will have to pay the exact cost regardless of your choice for the funeral. This figure includes the price of a service as well.

To estimate the cost of your funeral, you will need to provide the calculator with your preferences. If you don’t want a viewing, for instance, the price of burial will be lower.

Funeral Service Type Area Average Price High Price Low Price Rank
Direct Cremation Alaska (State) $1,972 $2,985 $1,275 34 (of 50 states)
Direct Cremation National $2,185 $9,800 $275 N/A
Affordable Burial Alaska (State) $4,327 $5,285 $3,495 51 (of 50 states)
Affordable Burial National $5,113 $11,800 $2,830 N/A
Full Service Cremation Alaska (State) $6,336 $7,730 $4,675 23 (of 50 states)
Full Service Cremation National $6,219 $19,300 $2,555 N/A
Traditional Full Service Burial Alaska (State) $8,272 $9,665 $6,965 32 (of 50 states)
Traditional Full Service Burial National $8,554 $21,475 $4,850 N/A

Alaska’s causes of death

According to the National Center for Health Statistics 2017 leading causes of death in Alaska are as follows:

  • Cancer.
  • Heart Disease.
  • Accidents.
  • Chronic Lower Respiratory Diseases.
  • Stroke.
  • Suicide.
  • Chronic Liver Disease/Cirrhosis.
  • Diabetes.
  • Alzheimer’s Disease
  • Flu/Pneumonia

Burial Insurance in Alaska can help you cover the costs of your funeral and burial expenses related to any of these causes of death.

Alaska Free Look Period

Suppose you are unsatisfied with your Alaska life insurance policy for any reason.

In that case, you can cancel it within the free-look period and receive a full refund of your premium, no questions asked.

The free-look period is the first ten days after your policy is issued and only applies to new policies or policy changes.

You must contact your insurance company to cancel your policy and request a refund. Your insurance company has to refund premiums after the free look period if you are unsatisfied with your policy.

There is no recourse if an insurance company does not refund premiums after the free look period has expired.

What Are Things to Consider When Purchasing Burial Insurance In Alaska?

Considering burial insurance in Alaska, you should know a few things.

First, burial insurance is not the same as life insurance. Life insurance is designed to provide a financial benefit to your beneficiaries during your death, while burial insurance explicitly covers your funeral and burial costs.

Second, burial insurance is not typically available through traditional life insurance policies. Instead, you will need to purchase a whole life insurance policy that includes a rider for burial insurance.

Third, the death benefit from a burial insurance policy is generally much smaller than that from a life insurance policy. It is because the death benefit from burial insurance is only intended to cover the costs of your funeral and burial. At the same time, you can use the death benefit from a life insurance policy for any purpose.

Lastly, it is essential to understand that the cost of your burial insurance policy will vary depending on some factors, including your age, health, and the death benefit you select. Be sure to shop around and compare rates before purchasing a policy.

Choosing the Right Alaska Burial Insurance Policy

When you are ready to purchase a burial insurance policy, there are a few things you should keep in mind to ensure you are getting the best coverage for your needs.

Determine how much coverage you need: The first step is to determine how much death benefit you will need to cover the funeral and burial costs. It would help if you considered the current price of funeral and burial services in your area and any future expenses you anticipate, such as inflation.

Compare policy options: Once you know how much coverage you need, you can compare different options to find the one that best fits your needs. Compare things like premiums, death benefits, and coverage limits.

Choose a policy type: There are two main types of burial insurance policies: whole life and term life. Whole life policies cover your entire life, while term life policies only provide a range for a set period.

Consider riders: Riders are additional benefits you can add to your policy for an additional cost. Some common riders include accelerated death benefits, which allow you to receive a portion of the death benefit if you are diagnosed with a terminal illness, and living benefits, which will enable you to use the death benefit while you are still alive.

Read the fine print: Before purchasing a policy, read the fine print to understand all the terms and conditions. It includes the policy’s cancellation policy and any exclusions that may apply.

Shop around: Many different insurers offer burial insurance, so it’s essential to shop around and compare rates before you purchase a policy.

Work with an insurance agent: An insurance agent can help you find the right policy and get the best coverage for your needs.

Burial Insurance Cost In Alaska


Age of Applicant$5,000$10,000$15,000


Age of Applicant$5,000$10,000$15,000

Alaska’s Burial Expectations Law

Death certificates, embalming, burial, and cremation requirements vary by state. Therefore, how a body is treated after death depends on what laws apply in that state.

Death Certificates

Funeral homes or mortuaries are typically responsible for completing this task. A person cannot be buried or cremated until the death certificate is filed.

Embalming and Refrigeration

There are a few exceptions to Alaska law regarding embalming and refrigeration:

  1. Families do not have to embalm or refrigerate the body for in-home services.
  2. Before shipping it via airplane or other common carriers, you must embalm a body. A shipping container that is approved for shipping must be used.

Cremation Services

A written form detailing the cremation service’s location, manner, and time must be signed by an authorized representative before cremation.

An authorized representative must sign this form. A qualified person may view the cremation process, but there may be a charge.

Cremated remains do not need to be stored in a casket by state law.

  • Columbariums or mausoleums can be used to hold their remains.
  • The burial of the bodies in a cemetery plot,
  • At a residence or place of worship
  • When the property owner or government agency gives written permission. They can be scattered either on land or at sea (by local laws)

Burial Requirements

During the planning process, consumers are protected by specific consumer protection laws (via their pre-planned directive) or their next of kin.

To ensure fair treatment, Alaska imposes the following requirements in addition to federal laws:

  • Fees for coroner services vary by county. Coroner fees are governed by state law.
  • In contrast to funeral industry regulations, retail casket sellers are not regulated by them. However, retail casket suppliers in Alaska must provide a written price list containing all caskets, alternative containers, and outer burial options. In addition to their material and construction, caskets must also be described.
  • Caskets and outer containers are not required for burials in Alaska.

What Can Do For You

Fortunately, few companies out there meet the criteria we set.

That’s where we come in. We have provided you with information about what types of agencies to look for to secure the best deal.

The three top reasons you should consider contacting us for a burial policy are listed below.

  • You can be assured that we will provide you with the best quote, regardless of which insurance company you choose to get your coverage from. We aim to see that you get the best value for your money.
  • As a company, we specialize only in burial insurance. We do not sell any other type of insurance. We believe that we should be experts at what we do rather than competent at everything.
  • Our firm is independent so we can represent as many insurance companies as possible. We currently represent more than 15 companies.

There are a lot of agencies out there that may have one or two of those qualities. But you are fortunate to have found us because we have all three, which makes us the best agency for you. 

Burial Insurance In Other States You May Want To know About


It is essential to have burial insurance in Alaska because of the high costs of funeral services.

This type of insurance will pay for the funeral expenses so that the family does not have to worry about money.

Many companies offer this type of insurance, but comparing the rates and coverage is necessary to find the best policy. Whether a traditional burial, cremation insurance, now is the time to put this in place.

Get the quote to see Alaska’s most affordable and low-cost burial insurance.

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