Which Companies Offer Final Expense Insurance In Arizona?
All insurance is regulated by each state rather than the federal government. It’s for that reason that burial insurance policies in the United States vary from one state to another.
Below is a breakdown of which funeral insurance companies are available in Arizona.
Y2 50% payout,
Y3+ full benefits
How Much Does Burial Insurance Cost In Arizona?
The price of a burial policy is a function of your precise age, gender, state of residence, health history (if applying for a plan without a waiting period), and the death benefit amount.
How Do Funeral Insurance Plans Work?
Final expense insurance plans are a type of whole life insurance usually meant to cover funeral expenses. However, the payout money can be used by your family for any reason. When you die, the insurance company will pay cash (tax-free) to your beneficiaries, which they can spend with no restrictions.
Most companies offer coverage ranging from $25,000 to $50,000. A medical exam is never required, and seniors with prior health issues are still eligible for a new policy.
Some plans have health questions that determine your eligibility based on your health history. If approved, plans with health questions have no waiting period, meaning you’re fully covered the day you make your first payment. On the other hand, some plans have no health questions.
Often called “guaranteed acceptance”, these plans always have a two-year waiting period. If you die during the waiting period, the insurer will only refund the premiums you have paid.
Since it’s whole life insurance, the premiums never increase, and the coverage never decreases. Additionally, the policy will remain in force indefinitely and accumulate cash value.
How Much Does A Funeral Cost In Arizona?
| Service Type | Average Cost |
|---|---|
| Burial Service | $7,390 |
| Direct Burial (No Service) | $4,480 |
| Cremation Service | $5,505 |
| Direct Cremation (No Service) | $1,490 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
|
The Free Look Period In Arizona And The FTC Funeral Rule
The free look provision in Arizona must be at least ten days. During this time, you have the right to refuse a life insurance policy for any reason and receive a refund of any premiums that may have been paid.
For funeral planning, another law to be mindful of is the FTC’s Funeral Rule, which governs funeral homes. Essentially, it requires funeral homes to provide consumers with verbal or written prices upon request.
Furthermore, they must accept products (such as caskets) from third parties and give you the option to choose only the products and services you want (you don’t have to accept pre-packaged funeral plans).
- 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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free look provision in Arizona. https://www.azleg.gov/viewdocument/?docName=https://www.azleg.gov/ars/20/01233.htm
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FTC’s Funeral Rule. https://consumer.ftc.gov/articles/ftc-funeral-rule
- Data sourced from Choice Mutual quote calculator for a 65-year-old applicant who does not use tobacco. Data is valid as of 07/14/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (07/21/2024-07/21/2025).
- Data sourced from 2023 NFDA General Price List Study.
