Are you looking for the best final Burial Insurance policy in the Grand Canyon State? Well you have come to right place! At Insurance for Final Expense, located in beautiful Scottsdale, Arizona, it is our mission to get you the best (and most affordable burial insurance out there!
Our number one goal is to help seniors everywhere get the best burial insurance policy, but in this article, we will focus on Arizona.
In this article we will show you some important state specific statistics, assist you in understanding just how a final expense policy works, and show you how to find the best final expense insurance policy in Arizona.
Leading Causes Of Death In Arizona
|Rank||Cause of Death||Total Deaths|
|1||Coronary Heart Disease||12,398|
|4||Chronic Lower Respiratory Diseases||3,802|
|9||Chronic Liver Disease/Cirrhosis||1,137|
(note: these statistics are taken from CDC website and the data is for the year of 2017)
As you pour over this tragic data, please keep in mind that we have final expense insurers who cover these health ailments. We will find a carrier for you regardless of your situation. They may vary depending on your health details, but we will get you approved at an affordable monthly rate.
Believe it or not, lots of these circumstances won’t even require a waiting period (although some will, we which we will further explain).
Life Expectancy in Arizona
The average life expectancy in Arizona was 79.7 years (in 2018). In all, Arizona, ranked #14 in average life expectancy.
Oftentimes people in Arizona may wonder if they pay more than someone in California, where the average life expectancy is 81.5 years old (in 2018).
Well, we are happy to inform you that that’s not the case. The monthly premiums for burial insurance are equal in all states, outside of Montana which has same gender rates. Arizona residents, while not at the top of the list, are treated equally as California residents.
Despite your current age and health, getting burial insurance in place is critical. The peace of mind alone is worth it. The last thing you want weighing on your mind is the thought of financially burdening your loved ones when you pass.
Try Before You Buy
The Arizona Department of Insurance has your back. “Try before you buy. Arizona law affords annuity purchasers 65 and older to a 30 day “free look” period in which to review an annuity contract after you buy it [10 days if under age 65]. You can return the contract for a full refund for any reason within the “free-look” period. Take advantage of this review period to make sure you understand your annuity contract.”
The Arizona Department of Insurance also recommends some of these tips before purchasing insurance:
- Ask for and read explanatory documentation, including Buyer’s Guides, Disclosures, Policy Summaries, and Notices.
- Don’t judge financial credentials by title alone. Designations such as “certified senior adviser,” or “certified retirement financial adviser,” or “chartered senior financial planner” might sound impressive, or imply expertise, but such titles don’t necessarily guarantee that the individual you are dealing with actually has specialized knowledge or education.
- Don’t succumb to “high pressure” sales tactics. You have the right not to buy and should be completely comfortable with the product and the salesperson before committing any of your hard-earned money to any investment. Unscrupulous salespeople may attempt to scare or pressure you. Do not do business with anyone who employs these tactics.
- Be sure the salesperson has a valid license from the Department of Insurance (www.id.state.az.us or 602-364-2499) and, if necessary, the Securities Division (www.ccsd.cc.state.az.us).
Let’s Break It Down: How A Burial Insurance Policy Works
It comes down to this… A Burial Insurance plan is designed for those who don’t want to burden their family with expensive burial or cremation costs when they pass. Nobody wants to think about this, but it’s a reality and it is the responsible thing to do.
The terms Burial Expense Insurance, Final Expense Insurance and Funeral insurance are basically interchangeable when it comes to burial insurance companies. They basically all mean the same thing. These policies are small face value whole life policies designed to cover your final expenses.
Here is What Burial Insurance Plans Deliver:
- Fixed Premiums
- No Death Benefit Decrease
- No Policy Expiration Regardless of your Age
Once you are approved for coverage, you will be protected on day one (this does not apply if underwriting determines that you have to endure a 2 year waiting period for major health issues).
At the time of your passing, the full death benefit gets paid to your beneficiary.
Getting You The Best Burial Insurance In Arizona
Before we reveal our time tested game plan that will surely help you find the best and lowest cost policy, we must define something first.
You will see the term “best burial insurance” all over the internet, but what does it really mean?
There are 3 elements that you want to look for that ultimately decide if a burial policy is the best for YOU.
- The insurance company is financially stable
- Coverage that has no waiting period if possible
- Lower price than other insurance companies
If you can find a policy that has all three of these aspects, you have definitely found the best plan for your needs.
How Do I Find the Best Burial Insurance Policy in Arizona?
With Final Expense Insurance, it is critical that you work with licensed, independent agency that specializes in final expense.
To find the best burial insurance in Arizona, you really should be working with an independent broker that represents a variety of burial insurance companies. If you go with one of the big name advertisers like State Farm or Colonial Penn, you are tied to one product, whereas we are able to give you multiple low-cost options.
Working with an independent agency like Insurance for Final Expense is 100% free. 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 guaranteed issue or final expense insurance, it would be our honor to assist you. Please call us at 1-800-400-8319. If you would rather that we call you, just fill out the quote form on this page and a licensed agent will be in touch with you promptly.