Which Companies Offer Burial Insurance in Alabama?

All forms of insurance, including life insurance, are regulated by the states rather than the federal government. Therefore, final expense plans in the USA differ in each state.

Below is a list of the burial insurance companies available in Alabama.

 

Insurer
Policy Details
Score
Prices
$2K-$50K in coverage
No waiting period
Applicant age 45-85
Foresters Financial
$5K-$35K in coverage
No waiting period
Applicant age 50-85
Foresters Financial
4.0/5
$2K-$25K
No waiting period
Applicant age 40-89
3.5/5
$5K-$50K in coverage
No waiting period
Applicant age 50-80
3.25/5
Transamerica
$1K-$50K in coverage
No waiting period
Applicant age 0-85
Transamerica
3.25/5
Americo
$2K-$40K in coverage
No waiting period
Applicant age 40-85
Americo
3.25/5
$2K-$50K in coverage
No waiting period
Applicant age 45-80
3.25/5
$5K-$100K in coverage
No waiting period
Applicant age 18-80
3.0/5
Baltimore Life
$2.5K-$15K
No waiting period
Applicant age 45-89
Baltimore Life
2.75/5
American Amicable
$2.5K-$50K in coverage
No waiting period
Applicant age 50-85
American Amicable
2.75/5
$3K-$20K in coverage
2-Year Waiting Period
Applicant age 45-85
$5K-$100K in coverage
No waiting period
Applicant age 18-85
2.5/5
$15/mo-$35K in coverage
No waiting period
Applicant age 0-85
$2K-$25K in coverage
2-Year Waiting Period
Applicant age 45-85
2.5/5
Liberty Bankers Life
$3K-$40K in coverage
No waiting period
Applicant age 18-80
Liberty Bankers Life
2.25/5
$10K-$15K in coverage
2-Year Waiting Period
Applicant age 45-80
2.0/5
AAA
$3K-$25K in coverage
2-Year Waiting Period
Applicant age 45-85
AAA
1.5/5
American Home Life
$2K-$25K
No waiting period
Applicant age 45-85
American Home Life
1.0/5
Guarantee Trust Life
$2K-$10K
Y1 refund of premiums,
Y2 50% payout,
Y3+ full benefits
Applicant age 40-90
Guarantee Trust Life
1.0/5
AIG
$5K-$25K in coverage
2-Year Waiting Period
Applicant age 50-80
AIG
1.0/5
1-25 Units
2-Year Waiting Period
Applicant age 50-85
0.75/5

 

How Much Does Final Expense Insurance Cost In Alabama?

On average, a burial expense insurance policy will cost between $50 and $100 per month for a $10,000 death benefit.

However, it’s essential to note that prices are determined by factors such as age, gender, state, health history, tobacco habits, and the amount of coverage. Therefore, your price may be higher or lower depending on these factors.

Below is a table showing some sample funeral insurance quotes.

Age$5,000$10,000$25,000
40$12$21$47
45$13$23$52
50$14$24$55
55$15$28$64
60$18$33$76
65$22$41$97
70$28$53$127
75$37$71$172
80$50$98$241
85$68$136$335
86$87$171$423
87$105$206$510
88$121$241$596
89$131$260$651
90$150$300N/A
Source for monthly prices: Choice Mutual quote calculator. Rates are calculated at a non-tobacco rating, rounded to the nearest dollar, and are valid as of 05/17/2025.
Age$5,000$10,000$25,000
40$14$25$57
45$15$27$63
50$17$31$71
55$20$36$84
60$23$43$103
65$29$54$130
70$37$70$169
75$50$97$238
80$69$135$332
85$95$178$440
86$120$236$585
87$140$277$686
88$160$317$788
89$181$357$888
90$177$354N/A
Source for monthly prices: Choice Mutual quote calculator. Rates are calculated at a non-tobacco rating, rounded to the nearest dollar, and are valid as of 01/15/2025.

 

How Do Burial Insurance Plans Work?

A final expense life insurance plan is a small whole life policy that pays an immediate cash benefit to cover your final expenses. Most companies offer coverage of around $50,000 or less.

No medical exams are required, and the underwriting is very lenient, so senior citizens with health conditions can still obtain coverage.

Don't Forget
Final expense insurance is often called burial or funeral insurance.

While the policy payout is typically intended for funeral expenses, the funds can be used for any purpose. Your beneficiaries will receive a tax-free cash payment with no restrictions on how they may spend it. And if they don’t use all the funds to pay for your funeral, they can keep what’s left over.

Since burial insurance plans for seniors are a type of whole life insurance, there’s a guarantee that the price will never increase, the coverage lasts indefinitely, and it builds cash value.

Essentially, there are two basic types of plans you can buy. First, one type has health questions that determine your eligibility. If approved, plans with health questions have no waiting period (if you qualify). That means the insurance company would still have to pay out the full death benefit if you died after making your first payment.

The second option is a guaranteed acceptance final expense policy, which has no health questions. With those, you cannot be denied due to pre-existing conditions. Please note that guaranteed acceptance options always have a two-year waiting period.

If you die of natural causes during the waiting period, the insurance provider will only refund your money plus a small amount of interest.

 

How Much Does A Funeral Cost In Alabama?

Service TypeAverage Cost
Burial Service$7,615
Direct Burial (No Service)$5,041
Cremation Service$5,858
Direct Cremation (No Service)$2,032
Funeral with service data source: NFDA General Price List Study
Direct funeral data source: Funeralocity

 

The Free Look Period In Alabama And The FTC Funeral Rule

Alabama insurance law requires every life insurance policy to have a 30-day free look period. This rule grants the policyholder the right to review and cancel their policy at any time for any reason. In addition, they are entitled to a refund of any premiums they may have paid.

Another helpful law that the Alabama government doesn’t regulate is the Federal Trade Commission’s Funeral Rule. This law assists consumers when funeral planning because it forces funeral homes to provide a written price list upon request.

It also stipulates that funeral homes allow you to pick and choose which products and services you want. In other words, you don’t have to accept the funeral packages they may offer you.

 

How To Get Final Expense Insurance In Alabama

Most insurance companies that offer final expense insurance in Alabama do so through licensed agents. Most of them do not sell policies directly to consumers. Granted, some companies do work directly with consumers, such as Globe Life or Colonial Penn.

But most insurers require you to find a licensed agency authorized to sell their products. Be sure to work with an independent agent who represents multiple insurers, so they can compare each one side by side to identify the best company for you.

Anthony Martin
Anthony Martin
Choice Mutual CEO
Author
  • 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.

Jeff Root
Jeff Root
Life Insurance Expert
Editor
  • 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.

David Duford
David Duford
Life Insurance Expert
Editor
  • 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.

Jeff Root
Jeff Root
Life Insurance Expert
Editor
  • 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.

David Duford
David Duford
Life Insurance Expert
Editor
  • 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.

  1. in the USA. https://www.iii.org/publications/commercial-insurance/how-it-functions/regulation
  2. Alabama insurance law. https://www.aldoi.gov/pdf/legal/113-2005.pdf
  3. Funeral Rule. https://www.ftc.gov/news-events/topics/truth-advertising/funeral-rule
  4. 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
  5. Funeralocity. https://www.funeralocity.com/average-funeral-price
Article Published
8 years ago
Article History Added
2 months ago
History feature implemented
major Update
Article date updated
3 days ago
Added a new banner image, proprietary data at the top of the article, updated all written text, and added some new tables.
Disclaimers
  1. Data sourced from Choice Mutual quote calculator for a 65-year-old applicant who does not use tobacco. Data is valid as of 07/15/2025.
  2. Data sourced from Choice Mutual quote calculator using a 365-day rolling average (07/18/2024-07/18/2025).
  3. Data sourced from 2023 NFDA General Price List Study.