Final Expense Insurance for Phoenix Area Families
Funeral costs in Phoenix average $7,500. Protect your family today with affordable coverage starting under $30/month.
Why Phoenix Metro Families Need Final Expense Insurance
Final expense insurance — also called burial insurance or funeral insurance — is a small whole life insurance policy designed to cover end-of-life costs. In Phoenix Metro, where the average funeral costs $7,500 and cremation averages $2,783, this coverage ensures your family won't face a financial crisis during an already difficult time.
With 718,079 seniors in the Phoenix Metro area and an estimated 35% lacking adequate coverage, the need for accessible, affordable final expense insurance has never been greater.
Phoenix is the #1 retirement destination in the US with a rapidly growing senior population, yet over a third of seniors lack adequate final expense coverage.
No Medical Exam
Qualify based on a few health questions — no doctors, no blood tests.
Affordable Premiums
Coverage starts under $30/month for Phoenix Metro residents ages 50–65.
Guaranteed Acceptance
Ages 50–85 qualify regardless of most pre-existing conditions.
Locked-In Rates
Your premium never increases and your coverage never decreases.
Cities We Serve in Phoenix Metro
InsuraFix serves all 10+ cities across Maricopa County. Click your city for local rates and funeral cost data.
Top Final Expense Insurance Carriers in Arizona
Top carriers in Arizona include Mutual of Omaha, American National, and Foresters Financial — all offering no-exam policies for ages 50–85.
Mutual of Omaha
AM Best A+Foresters Financial
AM Best AAmerican Amicable
AM Best AFrequently Asked Questions — Phoenix Metro
What is the average cost of a funeral in Phoenix, Arizona?
The average cost of a funeral in Phoenix Metro is $7,500, which includes burial services, casket, and basic funeral home fees. Cremation averages $2,783. These costs have risen approximately 3–5% annually over the past decade, making it important to plan ahead with final expense insurance.
How much does final expense insurance cost in Arizona?
Final expense insurance in Arizona typically costs between $20–$100 per month depending on your age, gender, health, and coverage amount. A healthy 65-year-old in Phoenix Metro can expect to pay approximately $35–$55/month for $10,000 in coverage. Rates are locked in at the time of purchase and never increase.
Can I get burial insurance in Arizona with no medical exam?
Yes, you can get burial insurance in Phoenix Metro with no medical exam required. Most final expense policies only require answers to a few health questions. Guaranteed issue policies are also available for ages 50–85 with no health questions at all — though these typically have a 2-year waiting period before full benefits are paid.
What is the best final expense insurance for seniors in Phoenix?
The top-rated final expense insurance companies serving Phoenix Metro include Mutual of Omaha (AM Best A+), Foresters Financial (AM Best A), and American Amicable (AM Best A). The best choice depends on your age, health, and coverage needs. InsuraFix works with all major carriers to find you the most competitive rate.
Does Arizona have any assistance for funeral costs?
Arizona offers limited state assistance for funeral costs through the Department of Health and Human Services for qualifying low-income residents. However, the benefit is typically only $500–$1,500 — far below the $7,500 average funeral cost in Phoenix Metro. Final expense insurance fills this gap with coverage from $5,000–$50,000.
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