Final Expense Insurance in Arizona
Protect Your Family
From Funeral Costs.
The average Arizona funeral costs $8,000–$15,000. I help seniors ages 50–85 get coverage that is affordable and simple. No medical exam required, and I am available to walk you through every step.
- Plans starting around $25–$60/month
- Coverage from $5,000 – $25,000
- No complicated medical exams
- Speak directly with me
Why It Matters
Why Arizona Families Get Final Expense Insurance
When you have no coverage it leaves it up to your family, and it is the last thing they want to be worried about in that moment
Cover the full cost of burial or cremation services, funeral home fees, and cemetery expenses.
Help to pay for any final hospital bills, hospice costs, or any outstanding medical debt left behind.
Use the benefit to pay off any remaining credit card or personal loan balances.
Your beneficiary receives the payout directly and can use it however your family needs most.
How Final Expense Insurance Works
Final expense insurance is a type of permanent life insurance designed specifically for seniors.
Permanent Coverage
Your policy lasts your entire lifetime meaning it will never expire as long as premiums are paid.
Premiums Never Increase
The monthly rate you lock in today stays the same for the life of your policy. If you start it at 55 you will be saving and paying way less overall.
Tax-Free Benefit
Your beneficiary receives the full death benefit tax free, paid directly to whoever you choose.
Quick & Easy Approval
Most Arizona residents qualify with only a few health questions. No blood tests, no physicals, no waiting rooms.
- Ages 50–85 typically qualify
- No medical exam required for most plans
- Coverage can start within days of approval, you choose when you want it to start
- Most Arizona Seniors I work with choose $10,000 to $20,000
Your local agent
Work With a Local Arizona Agent
Andy Childs
Licensed Arizona Insurance Broker · Mesa, AZ
I’ve helped seniors throughout Mesa, Gilbert, Chandler, and surrounding communities understand their insurance options and find affordable coverage.
When you call me, you speak directly with me. I compare multiple insurance companies and I help you find the plan that fits your budget and desire. Really it’s just getting to understand what you would like in the long run.
- Compare plans from multiple insurance carriers
- Just me answering any questions you may have
- My help costs you absolutely nothing
- Serving the entire state of Arizona
Eligibility
Who Qualifies in Arizona?
Most Arizona residents can get covered. Here is a quick list of what typically is required.
Ages 50–85
Final expense insurance is designed for seniors between ages 50 and 85. If you’re in this range, you’re eligible.
Anywhere
If you travel and are a snowbird your policy will cover you anywhere in the world. I focus mainly on Arizona residents but can help even outside of here.
$5,000 – $25,000
I want you to choose coverage that fits your needs. There is not one correct amount, it just depends on your situation and goals.
Many plans require only a few health questions
Even if you have existing health conditions, there are often plan options available with Guarantee Issue. You can call me and I’ll help you find out what you qualify for at no cost.
Common questions
Frequently Asked Questions
Do I need a medical exam?
Most plans do not require a medical exam. Many only ask a few basic health questions that I ask and you can get approved quickly after.
How fast can coverage start?
In many cases coverage can begin within a few days after approval. The exact timeline depends on the plan and carrier.
Can I choose who receives the benefit?
Yes. You choose your beneficiary which is the person who will receive the money. It can be a family member, spouse, or anyone you designate.
Can this work alongside my existing life insurance?
Yes. Final expense coverage can be added on top of any existing life insurance you already have. It’s designed to operate separate from any current coverage meaning it will not replace what you currently have.
How much does final expense insurance cost in Arizona?
Plans typically start around $35 to $60 per month depending on your age, health, and the coverage amount you choose. Call me and I can get you a rough quote quickly!
Get Your Free Arizona Final Expense Quote
Speak directly with me, Andy Childs. I am a licensed, local insurance broker in Mesa, AZ.
- Address: 10234 E Lomita Ave, Mesa, AZ 85209
- Phone: 480-296-5804
- Email: andy@childs-insurance.com
- Serving Mesa, Gilbert, Chandler & surrounding AZ