Final expense insurance in Arizona

NFDA doesn't publish funeral prices by state. Nationally, the median cost of a funeral with viewing and burial was $8,300 in 2023, and $6,280 for a funeral with viewing and cremation. Cemetery costs such as a plot, vault, and headstone are extra, and prices vary widely between funeral homes.

In Arizona, about 73.3% of deaths resulted in cremation as of 2023. Source: Arizona Department of Health Services: Arizona Health Status and Vital Statistics 2023, Table 5E-9 (Body Disposition by County of Residence; 50,585 cremations of 69,005 resident deaths)

Federal law (the FTC Funeral Rule) requires funeral homes to give you an itemized price list, so you can compare. Estimate your own total with our funeral cost calculator.

If a life insurer licensed in Arizona becomes insolvent, the Arizona Life and Disability Insurance Guaranty Fund covers up to $300,000 in death benefits and $100,000 in cash value per insured life. Source: Arizona Revised Statutes § 20-682 — Coverage; limitations

Questions or complaints about an insurer or agent go to the Arizona Department of Insurance and Financial Institutions (602-364-3100). Funeral homes are licensed by the Arizona Department of Health Services — Funeral Services Licensing.

If no next of kin is willing or financially able to arrange a funeral and disposition, or none can be located, the county where the death occurred must bury the body or place the cremated remains in a permanent care crypt. Source: Arizona Revised Statutes § 36-831 — Duty for funeral and disposition arrangements; counties

Veterans may qualify for VA burial allowances and a free burial in a national or state veterans cemetery — see benefits for Arizona veterans. A small final expense policy is one way families make sure the rest is covered; learn how final expense insurance works and how guaranteed issue waiting periods work.