Affordable Burial Insurance and Final Expense Insurance in Alabama

Burial Insurance Alabama

Well, you have come to the place, and we are so happy that you are reading this! At Insurance for Final Expense, we offer just that to our great customers in Alabama and nationally. In this article, we’ll focus on getting the best burial insurance available for Alabama residents.

We will also discuss some state-specific stats and look at why the Yellowhammer State is so special! Alabama or the Yellowhammer State, called after the state bird is also known as the “Heart of Dixie” and the “Cotton State”. But you already know that.

Burial insurance Alabama - State Flag

Please continue to learn some meaningful state-specific health-related statistics involving Alabama. We will also discuss getting the very best final expense insurance companies in Alabama and explain how burial insurance can help safeguard you and your family.

Leading Causes of Death in Alabama

RankCause of DeathTotal Deaths
1Heart Disease13,110
3Chronic Lower Respiratory Diseases3,484
6Alzheimer’s Disease2,563
10Kidney Disease980

(note: these statistics are taken from the CDC website, and the data is 2017. Keep in mind that these numbers vary from state to state due to population)

Life Expectancy in Alabama

The average life expectancy in Alabama was 75.3 years (in 2018). In all, Alabama ranked #48 in average life expectancy across all U.S. states. That was a decrease of 0.1 from 2010 when the average life expectancy was 75.4 years old.

Alabama is in the bottom 5 U.S. states in terms of life expectancy. This begs the question, “Do Alabama residents have to pay more for burial insurance than higher-ranking states?”

While you may assume that you will be forced into a higher premium for the same amount of burial insurance in Alabama. That would be an incorrect assumption. At Insurance for Final Expense, we see you as an individual who deserves the same dedicated service as everyone else.

What Are the Funeral & Burial Regulations in Alabama?

Life insurance companies in Alabama

Per Alabama laws, you can designate someone to arrange your funeral according to your wishes. It involves making a list of your wishes and setting aside a fund. However, Alabama mandates a licensed funeral director to look after the proceedings. The decision about body disposition and funeral goes to:

  • Someone whose name you have mentioned in a legal written affidavit
  • Parents, siblings, or surviving spouse
  • Adult children and grandchildren
  • Your estate representative
  • A guardian

Other requirements in Alabama are:

Death Certificate

According to the Code of Alabama, the funeral director files the death certificate within five days from the passing away and forwards it to a medical examiner. The medical examiner finishes the certification process and sends the documents to the Office of Vital Statistics within two days. In Alabama, you need the death certificate to arrange the funeral or transfer the deceased’s assets to their successors. 

Embalming and Refrigeration

You need a state-enforced embalmer if you wish to transport the body outside the state lines. Without embalmment, the disposition must take place within 48 hours within the death if it isn’t under refrigeration. 

Burial Regulations

Caskets can be costly, with prices around $500 to $10,000. So, choosing the casket is strictly your choice in Alabama. You are allowed a home burial in rural areas after obtaining a permit from the local district registrar. Check your zonal rules before making any decisions. 

Cremation Rules

The cremation process requires a permit requested by the funeral director from the coroner or medical examiner. Instead of a casket, you can select an alternative container. 

What Is The Average Funeral Cost in Alabama?

The final expenses usually vary according to the items you choose and the place of the funeral. Here is an estimation of costs for you:

Types of Service Costs

Service TypeDescriptionAverage Cost
Direct CremationNo viewing/ceremony$1,292
Immediate BurialNo viewing/ceremony$1,975
Cremation MemorialFacility fees, viewing, & service$2,950
Full ServiceFacility fees, viewing, embalming$7,775

Birmingham Funeral Costs

Service TypeAverage CostPrice Range
Direct Cremation$669$699 – $1,799
Direct Burial$1,500$1,500-$3,000
Cremation Memorial$1,200$1,200 – $2,200
Full Funeral$3,000$3,000 – $7,900

Montgomery Funeral Costs

Service TypeAverage CostPrice Range
Direct Cremation$1,885$1,870-$1,900
Direct Burial$2,450$1,920 – $2,975
Cremation Memorial$4,700$3,575 – $5,262
Full Funeral$7,290$5,975 – $9,950

Can Insurance Help Deal with Funeral Expenses in Alabama?

As funeral costs keep increasing every year, you may underestimate what you have to pay. Life insurance Alabama can help, but you should choose the right type, based on your needs. Here are your options:

Term Insurance

As the name says, it’s for a fixed term of 10, 20, or 30 years. The premiums are low because you may always outlive the policy, and there’s no accumulated cash value. You can take it as short-term insurance that needs renewal after its expiry. However, it will come at a higher premium. However, the whole life insurance Alabama works for your lifetime, though the initial premiums are high. The premiums in this policy accumulate cash value.

Pre-Need Policy

You can plan your funeral before death with full control using the pre-need plans. It allows you to purchase a plan that locks in the current funeral prices for the future. It has some risks as the funeral homes or cemeteries in Alabama may not accept the contract written by your provider.

Government Aid

Some government-sponsored programs like lump-sum death payment maintained by the U.S. social security administration offer $255 as a one-time death payment to survivors if they qualify. The families of veterans get up to $300 for burial and funeral. These are federal programs that won’t even cover the funeral costs.

Final Expense Insurance

Final expense or burial insurance Alabama works as a whole life policy to cover the end of life expenses. Your beneficiary will receive death benefits to pay for funeral or unpaid bills on your account, depending on the coverage amount. The coverage in this policy never ends as long as you pay the premium, and the policy doesn’t need a medical exam.

What is the Free Look Period in Alabama?

Alabama offers 10 days as a free look period after buying a life insurance policy. You can cancel the policy and get a refund if you change your mind within this period. 

What’s Special about Burial Insurance?

Life insurance company of Alabama

With funeral insurance Alabama, you can enjoy complete peace of mind. It assures that your loved ones will have financial support to pay off your funeral costs, and it will never become a burden on them. The policies have specific features like:

  • Fixed premiums for life
  • Policy never expires
  • Relaxed underwriting that means anyone can apply and qualify
  • The minimum face value can be as low as $1000 in coverage
  • The benefits remain the same

Finding the Best Burial Insurance in Alabama

Funeral insurance Alabama

First off, when choosing Burial Insurance, it is essential to work with a licensed, independent agency specializing in burial and final expense insurance.

To find the best choice in burial insurance, Alabama, you must work with an independent agency representing multiple final expense insurance companies in Alabama. We can’t emphasize this enough! We hope you don’t… but if you go with one of the big-name advertisers like John Hancock, State Farm, or Colonial Penn, you are glued to one burial insurance product. In contrast, we are able to give you multiple affordable, excellent burial insurance options. This is a serious decision. Make sure you know what your options are!

Working with an independent agency like Insurance for Final Expense is entirely free for you. Unlike working with a captive agent, we, as independent agents, are paid by the insurance companies. It has zero effect on your rates. 

If you need help with a guaranteed issue or funeral insurance, Alabama, it would be our honor to assist you. Please call us at 1-800-400-8319. If you would rather that we call you, fill out the quote form on this page, and a licensed agent will be in touch with you promptly.