How To Find The Best Burial Insurance Arizona In 2024 (Rates)
Written by Daniel Ray, Life Insurance Expert |
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Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
Finding the cheapest burial insurance in Arizona is not always the best route. But finding affordable burial insurance is. Remember, quality is important, especially when it comes down to paying a death claim.
We promise to give you the best coverage and price for your specific needs.
When most people think of life insurance, they think of the death benefit and how it will help their loved ones financially when they die.
However, there are many different types of life insurance, and each has its purpose.
Burial insurance is one type of life insurance designed to cover the costs of your funeral and burial expenses.
If you live in Arizona, you may wonder if you need burial insurance and how to find the most affordable policy.
In this article, we will discuss everything you need to know about burial insurance in Arizona, including the average cost of a funeral in the state and how to find the best policy for your needs.
Table of Contents
What Is Burial Insurance in Arizona?
Burial insurance, also called funeral insurance, is a type of life insurance that pays for the costs of your final arrangements.
These costs include transportation of your body to the funeral home, embalming, casket, and burial fees.
The policy also covers other final expenses, such as cremation or burial fees for family members who attend your funeral services.
Who Needs Burial Insurance in Arizona?
Anyone with medical or other outstanding debts should consider buying burial insurance in Arizona.
If you pass away unexpectedly, it would be challenging — if not impossible — for your loved ones to pay off these debts on their own.
With burial insurance, however, they wouldn’t need to worry about footing these bills themselves.
Instead, they could use the money provided by the policy to pay them off and still be able to bury you according to your wishes without having to worry about paying for anything else at all.
High Senior Populated Cities In Arizona
Why Should You Buy Burial Insurance in Arizona?
Burial insurance is essential to your financial security plan because it provides peace of mind during difficult times. Suppose you lose a loved one unexpectedly.
In that case, burial costs can add up quickly, leaving survivors with significant debt they may not be able to pay off immediately.
It is especially true for those who don’t have sufficient savings or other resources available at their disposal.
By purchasing a burial policy, however, you can help protect yourself from these potentially devastating costs so that your survivors aren’t burdened with them after losing a loved one unexpectedly.
How Much Does Burial Insurance Cost in Arizona?
Burial insurance, also known as final expense insurance, is a type of life insurance that is designed to cover the costs of a person’s funeral and other end-of-life expenses.
The age you really want to purchase burial insurance for optimum affordability is in your 70’s or before.
In Arizona, the cost of burial insurance is based on several factors, including:
Age: The older you buy the procedure, the higher the premium will be.
Gender: Men pay more than women because they’re statistically more likely to die early from heart disease or cancer than women are.
Health status: People who suffer from chronic illnesses that could shorten their lives often pay higher premiums than healthy people.
As a person gets older, the cost of burial insurance increases because the likelihood of death also increases.
Here is the cost for a male and female in good health.
Arizona Burial Insurance Costs For Females
| Age of Applicant | $5,000 | $10,000 | $15,000 |
|---|---|---|---|
| 50 | $12.86 | $23.06 | $33.08 |
| 55 | $14.97 | $26.94 | $38.90 |
| 60 | $18.04 | $32.87 | $47.70 |
| 65 | $22.11 | $41.01 | $59.91 |
| 70 | $28.07 | $53.12 | $78.18 |
| 75 | $37.81 | $72.41 | $107.01 |
| 80 | $50.82 | $98.43 | $146.05 |
| 85 | $69.55 | $135.90 | $202.25 |
| 90 | $149.69 | $296.41 | NA |
Arizona Burial Insurance Costs For Males
| Age of Applicant | $5,000 | $10,000 | $15,000 |
|---|---|---|---|
| 50 | $15.37 | $27.73 | $40.08 |
| 55 | $18.72 | $34.43 | $50.13 |
| 60 | $22.72 | $42.42 | $62.13 |
| 65 | $28.41 | $53.82 | $79.22 |
| 70 | $36.47 | $69.93 | $103.38 |
| 75 | $50.22 | $97.43 | $144.64 |
| 80 | $71.44 | $139.73 | $207.99 |
| 85 | $97.97 | $192.74 | $287.51 |
| 90 | $176.59 | $350.21 | NA |
Additionally, if a person has pre-existing health conditions or is taking certain medications, the cost of their insurance may be higher because they are considered at higher risk.
The Free Look Period
The free look period is a chance for you to look into everything and check that it matches. Free look periods begin ten days after delivery of the policy in Arizona.
A free look period of 10 days will then take place.
The insurance company must return any premiums you have paid during this period so that you can cancel the policy at any time.
No matter how long you’ve had a life insurance policy, you can cancel it anytime if you don’t want to keep paying. Upon withdrawing, however, you will not refund your premiums.
Average Life Span In Arizona
According to a report by the CDC and Prevention, life expectancy in Arizona dropped From 78.8 in 2019 to 76.3 in 2020.
As a result, Arizona lifespans are now below the national average for the first time since 2006, as an increase of 1.8 years in life expectancy has been recorded in the same period.
Death is a natural part of life. But its financial burden doesn’t have to be. Considering the costs associated with your final arrangements, consider purchasing a burial insurance policy.
Doing so could provide significant peace of mind for you and your loved ones during an already difficult time.
The Amazing Benefits of Purchasing a Funeral Plan
Burial insurance is a whole-life policy with a low face value and no health questions.
- Insurance cannot expire at any time.
- No age limits apply to insurance.
- Payment amounts will remain unchanged each month.
- The writing is incredibly easy.
- Optional face values are pretty low.
- Death benefits can’t go down.
Seniors are often ineligible for standard life insurance due to their health. In addition, the minimum amount of coverage required by most conventional life insurance plans is usually $25,000.
Only final-cost life insurance allows you to purchase as much or as little coverage as you choose and has the lenient underwriting requirements necessary to qualify.
How Much Does a Burial in Arizona Cost?
In Arizona, the total cost of a funeral can range from $3,235 to $13,830. Local funeral homes may have a more detailed price list that can help you compare costs more accurately.
Everyone knows that inflation will cause funeral costs to go up over time, from national funeral directors to regular staff at funeral homes. We suggest getting insurance with double the face value if prices go up.
Cremation is much cheaper than other types of funeral services. In Arizona, the average cost of a cremation is $2,505.
But even if this option is more affordable, it will still be a significant financial burden for most people. Ultimately, it is not fair for any family to pay out of pocket for burial or cremation.
Our a is to help them feel less sad and show that we care about them in their time of need. So, the state of Arizona pays for funeral and burial insurance.
Arizona’s Leading Causes Of Death
The following are the top 10 causes of death in the state of Arizona:
- Heart Disease
- COVID 19
- Cancer
- Accidents
- Alzheimer’s Disease
- Chronic Lower Respiratory Diseases
- Diabetes
- Stroke
- Suicide
- Chronic Liver Disease/Cirrhosis
Find out how to get a lump sum payment at diagnosis for the above health impairments by CLICKING HERE
Burial Insurance In Other States You May Want To know About
Does Everybody Qualify for Burial Insurance?
Several insurers offer plans for people ages 50 to 80. These burial insurance products have a quick and easy application process.
It is possible, however, that some medical conditions will result in a decline in an application. Most people can find a plan that meets their needs on the market.
Burial insurance in Arizona can be divided into two basic types: Applicants who are very unhealthy are only asked simplified health questions.
We guarantee everyone’s acceptance, and they don’t ask about their health.
If you answer some health questions, You will probably lower your rates, and your death benefit will begin immediately.
A company that doesn’t ask any questions may charge a higher rate. It is because they may require the insured to survive for a certain period before receiving the policy’s total value.
Beneficiaries might receive a refund of premiums or a proportion of the death benefit after the two-year waiting period expires.
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Finding The Best Burial Insurance In Arizona
You have to choose what to do. You can determine which insurance company is the cheapest by calling 20 companies and getting quotes. Insurance is not bought directly from insurance companies by consumers.
The company’s low-cost plans are only sold through agencies.
When you call, You will contact one of their agents, who will give you a single quote. You might have to call carriers and wait for them to call you back for hours.
Free services are offered by independent agencies like InsuranceForBurial.com, which works with many different insurance companies. They will compare all of the insurance companies they work with for you.
After you get all the quotes, it will only take you a few minutes to figure out which one is the best deal for you.
Which choice do you think is best? For our clients, having us do all the heavy lifting is a huge plus. We work with so many companies that we can guarantee a competitive rate, saving them time and money.
Even if InsuranceForBurial.com is not your first choice, you should work with any agency that helps with final costs and gives you free access to many burial insurance companies.
Arizona’s Top Cities: A Look at Burial Insurance For Seniors
As we soak up the sun in Arizona’s top cities – Scottsdale, Sun City, Mesa, Tucson, and Phoenix, it’s essential not to overlook the importance of practical financial planning.
One aspect that demands particular attention is burial insurance. Transitioning into our golden years in these vibrant Arizonian cities means engaging with such matters head-on.
Therefore, let’s delve into the burial insurance options available for seniors in these bustling locales.
Whether you’re enjoying the resort-style living of Scottsdale, the unique charm of Tucson, or the dynamic city life in Phoenix and Mesa, we aim to unravel the complexities of burial insurance.
Our goal is to equip you with the knowledge necessary to make the best decisions for your future.
Remember, securing the right insurance is not just about the financial aspect; it’s about achieving peace of mind, ensuring every part of your journey is well-prepared for.
Working Arizona Burial Insurance through a National Independent Agency
You can work with two different types of agencies.
- The captive agency often only deals with one or two companies at the most. State lines limit them.
- A nationally independent agency that collaborates with more than ten insurance companies holding an A rating. Not limited by state lines.
Captive agencies are restricted in their ability to provide customers, resulting in numerous consumers having poor products owing to them.
As a result, of being a national agency, we guarantee the most competitive pricing with the finest carrier for your specific needs.
Reasons Why Using InsuranceForBurial.com Will Save You a Lot of Money
Getting funeral insurance might be difficult based on who you ask. The bad thing is that the internet is full of businesses with crazy high prices, spammy websites, and lead vendors. But believe!
You managed to find us; in contrast to others, we are unique. You won’t find a more knowledgeable organization to help you locate the most significant burial insurance coverage. Here are three reasons.
- We are an independent, national agency.
- Expert training enables us to find the right burial coverage for your needs.
- A personal advisor is on call 24/7 to answer any questions you have! Our top goal is to build long-term relationships with our clients.
Other States That You May Be Interested In
FAQ’s
What exactly does Arizona’s burial insurance cover?
Think of it as a safety net. Arizona’s burial insurance means when the time comes, your funeral costs won’t drain your family’s pockets. It’s peace of mind in a policy.
Why is burial insurance a good idea for Arizona residents?
Picture this: no one wants their family fretting over funeral bills. With burial insurance, Arizonians make sure their loved ones focus on memories, not money.
Is there a specific age to apply for burial insurance in this state?
While most burial insurance plans target those aged 50 to 85 in Arizona, it’s always wise to check with individual insurers for any variations.
Will I need a medical check-up to get covered?
Here’s a silver lining! A lot of burial insurance options in Arizona skip the medical tests. You might just answer a handful of health questions to get the ball rolling.
What aspects can change the price tag of my burial insurance?
Three main things: how old you are, your overall health, and how much coverage you’re after. Do a bit of shopping around to see which policy fits like a glove for your budget and needs.
Is the insurance amount strictly for funeral expenses?
Nope. While it primarily takes care of those final goodbyes, any leftover cash from the policy is up to the beneficiaries to use as they see fit.
How does Arizona’s burial insurance compare to regular life insurance?
Here’s the scoop: burial insurance zeroes in on covering end-of-life expenses and typically has a smaller payout than big-ticket life insurance. It’s all about making those final moments a bit easier on everyone’s wallet.
Conclusion
In conclusion, burial insurance in Arizona is a great way to protect your loved ones financially in the event of your death.
By comparison, funeral costs can be costly, and burial insurance can help to ease the burden on your loved ones. There are many options, so do your research to find the right policy.
Get a free quote from us today. Please call us at (855) 380-3300 with any questions.
