The average funeral in Ames costs $6,890. Burial insurance provides Ames families with affordable protection — no medical exam, premiums from just $15 per month, and coverage that lasts a lifetime.
Ames is a vibrant community of over 66,000 residents, best known as the home of Iowa State University and one of the most affordable and livable small cities in the Midwest. Located along the U.S. 30 and Interstate 35 corridor about 30 miles north of Des Moines, Ames combines the intellectual energy of a major research university with the quiet, family-friendly character of a classic Iowa community.
Iowa State University is the city's dominant institution, employing thousands of faculty, staff, and researchers, and attracting students from around the world. But Ames is more than a college town — it is home to a research corridor that includes the USDA National Animal Disease Center, the Iowa Department of Transportation headquarters, and a growing technology sector anchored by companies like Danfoss and Barilla.
Burial insurance is a whole life insurance policy designed to cover funeral costs, cremation, memorial services, and other end-of-life expenses. In Ames, where the average funeral costs $6,890, a burial insurance policy provides your family with a financial safety net during their time of grief. Coverage amounts typically range from $5,000 to $50,000, and most Ames residents aged 50 to 85 qualify with no medical exam.
Easy Burial Quote serves Ames families throughout Story County, from the neighborhoods surrounding campus to the residential areas of Somerset, Northridge Heights, and the surrounding communities of Gilbert, Nevada, and Huxley. Our licensed agents compare rates from six or more A-rated carriers to secure the best possible burial insurance rate for your family.
Ames consistently ranks among the best and most affordable places to live in the Midwest, with a low cost of living, minimal crime, and a community-oriented atmosphere that makes residents feel at home. This affordability extends to burial insurance, where Iowa's competitive insurance market and moderate funeral costs combine to make coverage accessible for virtually every family. Whether you are planning for yourself or purchasing coverage as a gift for an aging parent, burial insurance in Ames is a smart, affordable decision that pays real dividends in lasting peace of mind for you and for your entire extended family.
Ames funeral costs are close to the Iowa state average, reflecting the city's moderate cost of living. Here is what Ames families can expect to pay for end-of-life services:
While Ames is generally an affordable place to live, funeral costs still represent a significant expense that many families are not prepared for. A burial insurance policy of $10,000 to $15,000 provides solid coverage for most Ames families, whether they choose traditional burial or cremation. Locking in a policy today protects against the 3-4% annual increase in funeral costs.
Getting burial insurance in Ames through Easy Burial Quote is quick, simple, and completely phone-based:
Iowa law gives Ames insurance buyers a 30-day free-look period on all life insurance policies. You can review your burial insurance policy and return it within 30 days for a full refund if you are not completely satisfied. This consumer protection means there is zero risk in purchasing.
For Iowa State University employees and retirees, burial insurance is an important complement to whatever life insurance benefits you may have through the university. Group life coverage through ISU typically decreases at retirement, making an independent burial insurance policy a smart addition to your financial plan.
Ames residents choose Easy Burial Quote because we deliver real value with a transparent, educational approach:
Every Ames family deserves the peace of mind that comes with knowing end-of-life expenses are handled. Call 888-260-EASY today for your free, no-obligation quote.
Iowa State University is the foundation of Ames, both economically and culturally. As one of the nation's leading land-grant research universities, ISU employs thousands of permanent staff and faculty while educating over 30,000 students each year. The university's presence gives Ames an intellectual vibrancy that belies its modest size, with world-class research in agriculture, engineering, veterinary medicine, and the sciences.
For Iowa State retirees, Ames offers an exceptional quality of life. The city consistently ranks among the best places to live in the Midwest, with low crime rates, excellent healthcare through Mary Greeley Medical Center and McFarland Clinic, and a walkable downtown with restaurants, shops, and community events. Many ISU faculty and staff choose to stay in Ames after retirement, drawn by these amenities and by the deep friendships they built during their careers.
Burial insurance is particularly relevant for ISU retirees because group life insurance through the university typically ends or decreases significantly at retirement. A retiree who had $100,000 or more in group life coverage as an active employee may find that coverage drops to a fraction of that amount — or disappears entirely — once they leave the payroll. Burial insurance fills this gap with an affordable, permanent policy that never expires.
Ames is also increasingly attractive to non-university families who appreciate the city's affordability, safety, and schools. Young families buying their first homes in Ames may not think about end-of-life planning immediately, but for parents and grandparents in the community, burial insurance is a thoughtful gift to the next generation — a guarantee that funeral costs will never become their burden.
Whether you are an ISU professor emeritus, a USDA researcher, a Danfoss engineer, or a lifelong Ames resident, Easy Burial Quote is ready to help you find affordable burial insurance that protects your family. Call 888-260-EASY for a free consultation with a licensed agent who understands the Ames community.
The Iowa State Cyclones create a sense of pride and community that binds Ames together, from football Saturdays at Jack Trice Stadium to basketball season at Hilton Coliseum. That same community spirit extends to how Ames families care for one another, but financial responsibility for funeral costs should rest on the individual, not on the goodwill of friends and neighbors. Burial insurance puts that responsibility squarely in your hands with an affordable, permanent policy that ensures your family is protected. For as little as $15 per month, you can guarantee that funeral expenses will never become a burden on the people you love most.
Common questions about burial insurance in Ames, IA
The average funeral in Ames costs approximately $6,890 for a traditional service with burial. Cremation with a memorial service averages $5,080. Total costs including all services can reach $14,850 or more. Ames funeral costs are close to the Iowa state average.
Iowa State University offers life insurance during active employment, but group coverage typically ends or decreases significantly at retirement. Burial insurance fills this gap with affordable, permanent coverage. Premiums start at $15 per month, are locked in for life, and the policy never expires regardless of your employment status.
Yes. Ames residents benefit from Iowa's consumer-friendly insurance regulations, including a 30-day free-look period and oversight by the Iowa Insurance Division. Funeral costs in Ames are moderate by national standards, and burial insurance premiums in Iowa are among the most affordable in the country. Call 888-260-EASY for a free quote.
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