Getting Affordable Burial Insurance in Arkansas

If you are a resident in Arkansas and are looking for burial insurance but not sure about it, you have come to the right place.

In this article, I will be discussing exactly what you are getting when you get burial insurance in Arkansas, and exactly what you can expect.

Without further ado, let’s get started!

Table of Contents

Why Do Arkansas Residents Need Burial Insurance?

The truth is not just Arkansas residents need burial insurance. Everyone needs it. Whether you are 18 or 85, you need to have a burial insurance policy. The purpose in having one is so that your family and loved ones are not left with a financial burden of trying to figure out how to come up with enough money to give you a proper burial.

Time and time again, I see people on places like GoFundMe or doing yard sales to try to come up with enough money for their loved ones who have passed. This breaks my heart every time because I know it can be avoided so easily. There is no need in having your family go through that. They are already grieving the loss, and now they must stress about finances.

Arkansas funerals range anywhere from $7,000 to $12,000 on average. They can go as high as $20,000 plus. Cremation is a different case, but we will get to that later. With inflation, we can expect these prices to more than likely double in the next several years. This is why it is so important for Arkansas residents to get a burial insurance policy. I don’t know many people that keep this kind of money saved up for a funeral. With a burial insurance policy, you don’t have to worry about saving the money.

How Do You Get Burial Insurance in Arkansas?

The process for getting burial insurance in Arkansas is very simple. You simply find an agent that you can trust and ask them about it. A very important thing to keep in mind is you want an agent who is independent and represents the best burial insurance companies in the nation. At, we are exactly that.

I am very blessed to be able to offer the best possible programs for my clients needing burial insurance. I take pride in the fact that my clients are the best, and they are covered by the best. We never have to worry about any of our companies not paying the clients or worry about not being able to find a program for them. I have many different options for my clients, and each one fits a specific need.

How Much Does It Cost?

When shopping burial insurance, or any kind of life insurance, the first thing you wonder about is more than likely the price. However, it is different for everyone. See, life insurance prices are determined by a few things:

  • Age
  • Gender
  • Health

Those 3 things determine how much you will have to pay for your burial insurance. The good news is, we have a free quote you can get for yourself or a loved one right here 👉

You can get yourself a free quote and start the application process from right here!

On average, I see people being covered for less than $50 a month. That typically gets my client covered for a funeral service and their family free of the financial burden. Some clients choose to spend more to leave their family a gift, while others choose to go less. There is no “one size fits all” with burial insurance. Everyone’s needs are different, and so are the solutions.

What Does It Cover?

Burial insurance in Arkansas can cover a variety of things. 

When my clients are getting coverage, they are typically looking for their policy to cover one of these: 

  1. Burial
  2. Cremation
  3. Financial Gift to Leave Behind

Those three are the most common reasons for having burial insurance. When we really look down at the purpose of it, we can see clearly that we all need it. 

All of us will one day pass away, and leave behind a financial burden to someone. With Burial insurance, we can take away that financial burden, so our families can grieve our loss and not the money too. 

What Insurance Companies will Help Me?

That’s a great question, and I even have an article that goes in depth about what insurance carriers I recommend for seniors in 2022, and this definitely includes seniors in Arkansas. 

You can access that article here

With my business, I choose to only help my clients with the best carriers in the country. Many of them if not all of them you have heard of. Some have been around for well over 100 years, and don’t show signs of leaving any time soon. 

I believe you should always put your life insurance coverage with the best in the business, so that’s what I offer. 

Mutual of Omaha

Mutual of Omaha is a fantastic option for burial insurance in Arkansas. They have incredible rates, and most importantly, they always pay out! You won’t have to worry about your beneficiary being nervous about not getting their check. With Mutual of Omaha, rest assured they will get it. 

I love Mutual of Omaha for Arkansas seniors because: 

  1. A+ rated Carrier
  2. Amazing Rates
  3. Simple Process

The process of getting a burial policy with Mutual of Omaha is incredibly easy. In fact, if you are using your computer or smart phone to read this article, you won’t have a problem when we set up your burial insurance with them! 

It is a very simple electronic application, with electronic signatures. If you have an active email you can have your policy signed and done in less than 10 minutes. If you don’t have an email, it is very easy to set one up don’t worry!

Once you apply, the underwriting team reviews the application and they will approve or deny it! Luckily, I have been doing this a very long time, and I know what they will accept and not accept. This way you don’t have to worry about not getting covered!


Aetna is a fantastic carrier for a number of reasons. They are incredibly competitive, which is what you want in this industry! Above all, you want a carrier that is willing to compete for your business, and Aetna definitely does. 

They play a back and forth game with Mutual of Omaha, but many times Aetna wins. I like to use them for clients that have COPD that are not using oxygen, and some other situations as well. 

Just like Mutual of Omaha, I like Aetna/CVS for these reasons:

  1. A+ Rated Carrier
  2. Amazing Rates (Sometimes better than Mutual of Omaha)
  3. Easiest signature process of all. 

That’s right, if you thought the Mutual of Omaha’s signature process sounded easy, just wait. 

With Aetna/CVS, the signature process is a security question. Yes, you read that right. You simply answer a security question, and boom, you have life insurance. 

Aetna also has accelerated underwriting for some clients, and this allows us to get an instant approval or denial while still on the phone. There is no playing phone tag trying to get ahold of me, or me trying to get in touch with you. We can get a decision immediately, and you will have coverage before you go to sleep at night!

Royal Neighbors of America

Royal Neighbors of America, or RNA has one of the best origin stories of all insurance companies. In the late 1800’s, 9 women got together and formed what we know as RNA. Can you imagine how difficult that must have been? Not only to get started, but to keep thriving all of these years! Incredible. 

RNA is a little bit more expensive for some clients, but for others it is the best priced option for them. Especially clients that have mental health issues like Bipolar, Schizophrenia, or even Diabetic Neuropathy clients. RNA is exceptional for them, and will get them the best coverage possible! 

I like RNA for Arkansas seniors because: 

  1. A+ rated carrier
  2. Great Living Benefits
  3. Decent Rates

Yes, they do have living benefits. Clients with RNA can get access to discounts, a free basic will, and many more. Clients love being apart of the RNA family, and rightfully so!

Do I Have to Have a Physical or Medical Exam?

This is a very common question that I get, and the answer is no. With the companies I cover my clients through, there are absolutely no medical exams or physicals needed to get coverage. With some companies, this is not the case. Luckily, we represent the top A+ rated carriers in the nation and they specialize in this type of insurance.

The only reason you would need a medical exam or physical is if you were looking for a very large Term, Whole Life, or IUL policy. Even with term you can get up to $500,000 with no medical exam. In Arkansas, that would be a great amount of coverage.

Do I Have to Meet My Agent?

 This answer depends on the situation. If you are using me as your agent, the answer is no. If you are using other people, it is tough to say. Many agents still go meet their clients face to face. For me at, I help so many people with burial insurance, I wouldn’t have time to sit with them all.

Let’s face it, it’s 2022 and we just went through an insane couple of years with a Pandemic. This changed things for everyone, including me. I choose to do business with my clients over the phone, email, text or if requested and necessary, a face-to-face appointment. The days of having to have an agent come out to your house and meet you are over.

This is not a bad thing either. I believe it is wonderful. I can help so many more wonderful people get their burial insurance in place. Way more than I was able to when I met with every single client. I have found the process is much smoother for me, and more importantly, my clients.


The truth about burial insurance in Arkansas is very straight forward and simple. Everyone needs it, and it is very cost effective.

The reason why people don’t already have it is typically because they don’t know about it, or don’t know who to ask about it.

If this is you feel free to leave a comment below or get a free quote here on my site.

Even if I don’t become your personal agent, I would love to help set you up in the best way possible.

As always if you have any questions or comments please leave them below so I can assist you! I look forward to serving you and your family.

God Bless.