Life insurance needs
Use the DIME method to estimate how much life insurance would protect the people who rely on you.
Life tools ·
2023 figures
Final Expense Cost Calculator for Arizona
Enter what you expect a funeral, burial or cremation and any final bills to cost, minus anything already set aside. If you have no figures yet, you can start from the national medians published by the National Funeral Directors Association, then replace them with local quotes.
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Estimates only. Estimates only. Figures on this page use published plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any tax credit are confirmed at enrollment with the carrier or HealthCare.gov. Everything is calculated in your browser; nothing you type is sent to us or anyone else.
What this assumes
- The optional starting figures are NFDA 2023 national medians: $8,300 for a funeral with viewing and burial, $6,280 with viewing and cremation.
- Those medians exclude cemetery plots, opening and closing the grave, a headstone or marker, flowers and obituaries. Add those separately.
- They are national, not Arizona, figures, and they are from 2023. A price list from a local funeral home is the better number.
- Final expense life insurance is subject to underwriting and carrier approval.
- An estimate from published figures and the numbers you enter, not a quote or an eligibility decision.
Where the figures come from
- NFDA 2023 General Price List Study, national median funeral costs National Funeral Directors Association, 2023
Talk it through with Viola
An estimate is a starting point. Viola Lucero, CLTC, and the team at Rise Up Benefits Group in Chandler can look up the real figures for your situation, check your doctors and prescriptions, and explain what the numbers mean for you. We speak insurance, so you don't have to.
Life, long-term care, annuity and supplemental products are subject to underwriting and carrier approval. Guarantees are based on the claims-paying ability of the issuing company. Nothing on this site is tax, legal or investment advice.
Common questions
How much does a funeral cost?
The National Funeral Directors Association’s 2023 study put the national median at $8,300 for a funeral with viewing and burial and $6,280 for one with viewing and cremation. Those medians leave out cemetery costs, and local prices differ, so ask an Arizona funeral home for its price list.
What is final expense insurance?
A smaller whole life policy meant to pay funeral costs and final bills. Some policies ask a few health questions; guaranteed issue policies ask none but usually cost more and may phase in the full benefit.
Do funeral homes have to give me a price list?
Yes. Under the Federal Trade Commission’s Funeral Rule, funeral homes must give you an itemized price list when you ask about arrangements in person, and give prices by phone if you ask.
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