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Protect your family from funeral and end-of-life costs. No medical exam required. Affordable coverage from $5,000–$25,000.
The average funeral in Florida costs $9,000–$15,000. Most families aren't prepared for it.
$9,000–$15,000
Casket, service, burial plot, headstone, flowers
$2,000–$7,000
Direct cremation to full-service with memorial
$5,000–$20,000+
Medical bills, final debts, travel for family, legal/estate fees
Total end-of-life costs — including funeral, outstanding medical bills, and estate fees — often reach $15,000–$35,000. Most families are expected to pay within 30 days of death.
No medical exam required. Just a few health questions. Approval in days. Ideal for ages 50–85 in reasonably good health. Coverage ranges from $5,000–$50,000.
No exam, no health questions — anyone who applies is approved. Premiums are higher and the first 2 years typically have a graded benefit (return of premium plus interest if you pass away early). Best for people with serious health conditions who can't qualify otherwise.
Purchased directly through a funeral home to pre-plan and pre-pay your arrangements. Benefit is paid directly to the funeral home. Locks in today's prices against future inflation, but is tied to a specific funeral provider.
The death benefit can be used for any purpose — your beneficiaries decide how to allocate the funds. Common uses include:
We compare plans from multiple carriers to find the best rate for your age and health situation. Takes 5 minutes.
Final expense insurance — also called burial insurance — is a small whole life policy typically ranging from $5,000 to $25,000 in coverage. It's designed to cover end-of-life costs so your family isn't burdened with bills during an already difficult time. Because coverage amounts are small, premiums are affordable and most applicants can qualify without a medical exam.
Premiums depend on your age, health, and coverage amount. A healthy 65-year-old might pay $40–$70/month for $10,000 in coverage. At 75, that might be $80–$130/month. Guaranteed issue policies cost more than simplified issue. A licensed agent can compare quotes across multiple carriers for your specific age and coverage amount.
Simplified issue requires answering health questions but no medical exam — most people in average health qualify, and premiums are lower. Guaranteed issue asks zero health questions — anyone applies and is approved, but premiums are significantly higher and the first 2 years typically have a graded benefit (your family receives return of premiums paid, not the full death benefit, if you pass within the first 2 years). Use guaranteed issue only if you've been declined elsewhere.
It depends. If you have an active term or whole life policy with adequate coverage, it may handle final expenses as part of the death benefit. However, if your term policy is expiring, your other coverage is earmarked for larger financial obligations, or you simply want a dedicated fund for end-of-life costs, final expense insurance provides a clean solution specifically for that purpose.
Yes, in most cases. Simplified issue plans may approve applicants with well-controlled diabetes, high blood pressure, or other common conditions. Guaranteed issue plans accept everyone regardless of health. The trade-off is higher premiums and/or a graded benefit period. A broker who works with multiple carriers can find the best fit for your specific health history.