If you're an Arkansas senior thinking about your family's future, you're not alone. With funeral costs ranging from $7,000 to $12,000 across the state, many families face unexpected financial stress during an already difficult time. Burial insurance offers Arkansas residents aged 50-85 a simple, affordable way to protect loved ones from these expenses.
Whether you live in Little Rock, Fayetteville, Fort Smith, or any Arkansas community, securing affordable burial insurance means your family can focus on honoring your memory instead of worrying about how to pay for your funeral. Most Arkansas seniors get approved within 24 hours, often with no medical exam required.
Let's explore how burial insurance works in Arkansas and how you can get the coverage you need today.
Why Arkansas Seniors Choose Burial Insurance
Arkansas families understand the importance of planning ahead. With 17.21% of Arkansas' population over age 65, more and more seniors are taking steps to protect their loved ones from funeral expenses. Here's why burial insurance makes sense for Arkansas residents:
Protection from Rising Funeral Costs: Funeral costs in Arkansas typically range from $7,000 to $8,000, and prices continue to increase each year. With burial insurance, you lock in coverage at today's rates, so your family has the funds they need regardless of future price increases.
No Medical Exam Required: Most Arkansas seniors qualify for coverage without a medical exam. There are no medical exams, and most health issues will not prevent acceptance. Even if you have diabetes, heart disease, or other health concerns, you can still get protected.
Fast Approval Process: Unlike traditional life insurance that can take weeks, burial insurance applications are simple. Answer a few health questions during a 10-minute phone call, and most Arkansas applicants get approved within 24 hours.
Guaranteed Premiums: Your monthly premium stays the same for life. Whether you're 55 or 80, once you're approved, your rate will never increase, giving you predictable costs on a fixed income.
- • Traditional Funeral & Burial: $7,000 - $8,000
- • Cremation Services: $4,500 - $5,890
- • Burial Plot: $1,000 - $4,000
- • Casket: $1,500 - $3,000
Coverage Options in Arkansas
Arkansas residents can choose from several coverage levels based on their needs and budget. Whether you want basic cremation coverage or a comprehensive plan that covers a traditional funeral plus final expenses, there's an option that fits your situation.
| Coverage Amount | Best For | Monthly Premium Range |
|---|---|---|
| $5,000 | Basic cremation, simple services | $30 - $60/month |
| $10,000 | Traditional funeral, burial plot | $55 - $110/month |
| $25,000 | Full funeral, final expenses, debts | $125 - $250/month |
$5,000 coverage is ideal for Arkansas seniors who prefer cremation or have already prepaid for some services. This affordable option provides peace of mind without stretching your budget.
$10,000 burial insurance is the most popular choice among Arkansas families. This coverage level handles a traditional funeral service, burial plot, casket, and other essential expenses with room to spare.
$25,000 final expense plans offer comprehensive protection. Beyond funeral costs, this coverage helps pay outstanding medical bills, credit card debt, or other final expenses, ensuring your family inherits peace of mind, not debt.
How to Qualify for Burial Insurance in Arkansas
Qualifying for burial insurance in Arkansas is easier than you might think. Unlike traditional life insurance with strict requirements, burial insurance is designed specifically for seniors with straightforward eligibility.
Age Requirements
Coverage is available to Arkansas residents aged 50-85. Whether you're just turning 50 or celebrating your 85th birthday, you can still get protected. Burial insurance for 60-year-olds offers excellent rates, while coverage for seniors over 70 and even final expense insurance for 80-year-olds remains accessible and affordable.
No Medical Exam Required
One of the biggest advantages of burial insurance in Arkansas is the simplified application process. No medical exam is required, and some plans offer guaranteed approval. You'll answer a few simple health questions over the phone, but you won't need to schedule doctor appointments, blood tests, or physical exams.
Even Arkansas seniors with health conditions like high blood pressure, diabetes, heart disease, or cancer can often qualify. Guaranteed issue burial insurance with no medical exam ensures that everyone can get coverage, regardless of their health history.
Simple Application Process
Getting covered takes just minutes. Here's how it works:
- Step 1: Call our licensed Arkansas agents at 1-619-507-3889 or check your eligibility online
- Step 2: Answer a few simple questions about your age, health, and coverage needs (takes about 10 minutes)
- Step 3: Get approved - most Arkansas seniors receive approval within 24 hours
- Step 4: Your coverage begins, and your family is protected
Arkansas law requires all life insurance contracts include a ten-day free-look provision, giving you the right to cancel and receive a full refund. This means you can review your policy risk-free.
Understanding Arkansas Funeral Costs
Planning ahead means understanding what you're planning for. Funeral costs in Arkansas vary depending on your choices, but knowing the average expenses helps you select the right coverage amount.
Traditional Funeral and Burial: A traditional funeral service in Arkansas includes embalming, viewing, funeral service, casket, and burial. The average cost of a traditional funeral in Arkansas is around $7,000 – $8,000. This covers basic services from the funeral home, but additional costs like burial plots, vaults, headstones, and flowers can add thousands more.
Cremation Services: Cremation in Arkansas typically costs $5,890, making it a more affordable option. However, many families still hold memorial services before or after cremation, which adds to the total cost. Urns, obituaries, and other memorial items also contribute to final expenses.
Additional Funeral Expenses: Beyond the funeral home's basic services, Arkansas families often pay for burial plots ($1,000-$4,000), concrete vaults ($600-$2,000), headstones ($1,000-$3,000), flowers ($200-$500), obituaries ($200-$500), and reception costs ($300-$1,000).
Why Planning Ahead Saves Money: When you secure burial insurance now, you're locking in coverage at today's rates. Over the last five years, the price for a funeral with burial has risen by 6.6%, while the price for a funeral with cremation has risen by 11.3%. Your insurance benefit grows to meet these rising costs, but your premium stays the same.
- • Funeral Home Basic Services: $2,000 - $3,000
- • Embalming & Preparation: $700 - $1,000
- • Casket: $1,500 - $3,000
- • Burial Vault: $600 - $2,000
- • Burial Plot: $1,000 - $4,000
- • Headstone/Marker: $1,000 - $3,000
- • Cremation Alternative: $4,500 - $5,890
Still wondering if burial insurance is worth it? For most Arkansas seniors, the answer is yes. The peace of mind and financial protection far outweigh the affordable monthly premiums.
Arkansas Burial Insurance FAQs
How much does burial insurance cost in Arkansas?
Burial insurance costs in Arkansas depend on your age, gender, health, tobacco use, and coverage amount. Most Arkansas seniors pay between $30 and $250 per month. A healthy 60-year-old might pay $55-$110 monthly for $10,000 in coverage, while an 80-year-old might pay $125-$250 for the same amount. The good news? Your premium never increases once you're approved, giving you predictable costs throughout your retirement years.
Can I get burial insurance in Arkansas if I have health issues?
Absolutely! Burial insurance is designed for seniors with health concerns. Even if you have diabetes, heart disease, cancer, COPD, or other conditions, you can still qualify. Many Arkansas seniors choose guaranteed issue policies that accept everyone regardless of health history. While guaranteed issue plans may have a short waiting period (usually 2 years), simplified issue plans with a few health questions often provide immediate full coverage for those in fair to good health.
What does burial insurance cover in Arkansas?
Burial insurance pays a tax-free lump sum directly to your beneficiaries when you pass away. They can use these funds for any purpose, but the money typically covers funeral services, burial or cremation costs, caskets or urns, burial plots, headstones, flowers, obituaries, memorial services, and outstanding final expenses. Your loved ones may spend the money on anything, including medical bills, debts, or anything else. There are no restrictions on how your family uses the benefit.
How quickly can I get coverage in Arkansas?
Most Arkansas seniors get approved within 24 hours! The application process takes just 10 minutes over the phone with a licensed agent. Once approved, your coverage typically begins immediately (or after a short waiting period for guaranteed issue policies). You can apply today and have peace of mind by tomorrow, knowing your family is protected.
Are there age limits for burial insurance in Arkansas?
Burial insurance in Arkansas is available to seniors aged 50-85. Several insurers offer final expense plans for people age 45 to 85. The younger you are when you apply, the lower your premiums will be. If you're approaching 85, don't wait - secure your coverage while you still qualify. Even if you're 84 or 85, options are still available to protect your loved ones.
Do I need burial insurance if I have regular life insurance?
It depends on your existing coverage. If you have a substantial life insurance policy that covers your final expenses plus provides for your family, you may not need additional burial insurance. However, many Arkansas seniors find that their term life insurance has expired or their whole life policy has a reduced benefit. Burial insurance ensures you have dedicated funds specifically for funeral costs, so your family doesn't need to use other assets or go into debt.
Get Started with Arkansas Burial Insurance
Protecting your Arkansas family is easier than you think. Here's how to get started today:
Step 1: Determine Your Coverage Needs
Consider whether you prefer burial or cremation, and think about additional costs like burial plots, headstones, or outstanding debts. Most Arkansas seniors choose between $5,000, $10,000, or $25,000 in coverage.
Step 2: Check Your Eligibility
Take 2 minutes to check your eligibility online with our simple questionnaire. You'll get an instant idea of what coverage options are available to you based on your age and health.
Step 3: Speak with a Licensed Arkansas Agent
Our licensed agents understand the unique needs of Arkansas seniors. Call 1-619-507-3889 to discuss your options, compare policies from top-rated insurance companies, and get personalized recommendations. Our agents work for you, not the insurance companies, ensuring you get the best coverage at the best price.
Step 4: Complete Your Application
Answer a few simple questions during your phone call (takes about 10 minutes). No medical exam, no complicated paperwork - just straightforward questions about your health and coverage preferences.
Step 5: Get Approved and Protected
Most Arkansas applicants receive approval within 24 hours. Once approved, your coverage begins, and you'll have peace of mind knowing your family won't face financial hardship when you pass away.
Don't leave your loved ones with the burden of funeral expenses. Whether you live in Little Rock, Fort Smith, Fayetteville, Springdale, Jonesboro, or anywhere else in Arkansas, affordable burial insurance is just a phone call away.
Ready to protect your family? Call 1-619-507-3889 now to speak with a licensed Arkansas burial insurance specialist, or check your eligibility online in just 2 minutes. Your family deserves the peace of mind that comes with knowing everything is taken care of.
Arkansas Residents: Explore Burial Insurance in Neighboring States
If you have family members in nearby states or are curious about coverage options elsewhere, explore our guides for Alabama burial insurance, Delaware burial insurance, and Florida burial insurance.