Which Companies Offer Burial Life Insurance In Alaska?
All types of insurance are governed by the states rather than the federal government. Therefore, final expense policies in the United States can vary from state to state.
Below is a table that showcases which companies offer policies in Alaska.
How Much Does Final Life Insurance Cost In Alaska?
Below are some sample burial insurance quotes; however, please note that your price may vary depending on factors such as the amount of coverage, gender, and age.
How Does Burial Life Insurance Work?
A burial policy is a type of no-exam whole life insurance meant to cover your funeral expenses or other final bills. The final result will be a cash payout to your beneficiaries, which they can use for any purpose (they also retain any remaining funds).
Whole life policies always have a fixed premium, and the coverage is guaranteed to last forever. In addition, cash value will accumulate over time, which you can borrow from and use as you see fit.
There are two types of final expense life insurance:
- Simplified issue: There are health questions that, depending on how you answer, determine your eligibility. If approved, simplified options can have no waiting period, meaning you will be fully insured from the day you make the first premium payment.
- Guaranteed issue: You do not need to answer any health questions, and you cannot be denied coverage due to any current or prior health conditions. There will always be a two-year waiting period. If you die during the waiting period, the insurance company will refund your premiums plus roughly 10% interest. Please note that no insurance company offers a guaranteed acceptance policy with no waiting period.
How Much Does A Funeral Cost In Alaska?
| Service Type | Average Cost |
|---|---|
| Burial Service | $7,835 |
| Direct Burial (No Service) | $4,327 |
| Cremation Service | $5,812 |
| Direct Cremation (No Service) | $1,972 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
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The average costs above are just averages. That said, funeral cost estimator tools can be useful in determining what a funeral will cost, depending on your preferences.
The Free Look Period In Alaska And The FTC Funeral Rule
In Alaska, life insurance policies have a minimum free look period of ten days. During this time, you can refuse a recently purchased policy for any reason and receive a refund of any payment made.
On another note, be mindful of the FTC’s Funeral Rule, as it is beneficial during the funeral planning process.
In short, it requires funeral homes to abide by certain practices, such as but not limited to:
- Provide transparent prices upon request, whether in person or by phone.
- Allow consumers to purchase caskets or urns from third-party sources.
- Give consumers the ability to choose the products and services they want, rather than being limited to pre-packaged options.
- Nationally licensed life insurance agent with over 15 years of experience
- Personal annual production that puts him in the top .001% out of all life insurance agents in the nation.
Anthony Martin is a nationally licensed insurance expert with over 15 years of experience and has personally served over 10,000 clients with their life insurance needs. He frequently authors entrepreneurial and life insurance content for Forbes, Inc.com, Newsweek, Kiplinger, and Entreprenuer.com. Anthony has been consulted as an expert life insurance source for dozens of high-profile websites such as Forbes, Bankrate, Reuters, Fox Business, CNBC, Investopedia, Insurance.com, Yahoo Finance, and many more.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
Choice Mutual often cites third-party websites to provide context and verification for specific claims made in our work. We only link to authoritative websites that provide accurate information. You can learn more about our editorial standards, which guide our mission of delivering factual and impartial content.
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NFDA General Price List Study. https://nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral
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Funeralocity. https://www.funeralocity.com/average-funeral-price
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ten days. https://www.commerce.alaska.gov/web/portals/11/pub/Bulletins/B11-07.pdf
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FTC’s Funeral Rule. https://www.ftc.gov/system/files/documents/plain-language/565a-complying-with-funeral-rule_2020_march_508.pdf
- Data sourced from Choice Mutual quote calculator for a 65-year-old applicant who does not use tobacco. Data is valid as of 09/15/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (09/16/2024-09/16/2025).
- Data sourced from 2023 NFDA General Price List Study.
