Which Companies Offer Burial Insurance In Florida?
The state of Florida handles insurance regulations rather than the federal government. For that reason, burial insurance options in the USA vary by state.
Below is a table highlighting the best final expense insurance companies in Florida.
Y2 50% payout,
Y3+ full benefits
How Much Does Funeral Insurance In Florida Cost?
Burial insurance commonly costs $50-$100 per month for a $10,000 death benefit, depending on your exact age, gender, health, tobacco usage, state of residence, and how much coverage you buy.
How Does Final Expense Life Insurance Work?
Burial insurance for seniors is a type of whole life insurance meant to pay for your funeral expenses.
They don’t require medical exams, and the coverage options are often $50,000 or less.
The policy’s payout is in cash (tax-free) to your beneficiaries, which they can spend without restrictions.
That means they can pay off funeral bills, medical bills, or financial debts. In addition, they get to keep any money not used for final expenses.
The premiums for a final expense policy will never increase, and the coverage lasts forever. Additionally, the death benefit is guaranteed never to decrease, and cash value will grow over time.
Some plans have health questions that can offer the benefit of immediate coverage.
With those, the insurer must pay the full death benefit even if you pass away right after the policy starts.
In contrast, plans without health questions and a guaranteed acceptance provision exist. However, those always include a two-year waiting period.
If you die during that time, they will only refund your premiums plus about 10% interest.
How Much Does A Funeral Cost In Florida?
| Service Type | Average Cost |
|---|---|
| Burial Service | $8,023 |
| Direct Burial (No Service) | $5,200 |
| Cremation Service | $6,103 |
| Direct Cremation (No Service) | $1,691 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
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The National Funeral Directors Association reports that in Florida, a traditional burial service typically costs $8,023. On the other hand, a cremation usually costs $6,103 for a cremation service.
However, you can save a tremendous amount of money based on your preferences. For example, if you opt for a direct burial (a funeral with no services), you can substantially reduce the cost of a funeral.
The Free Look Period In Florida & The FTC Funeral Rule
Florida state insurance law dictates that every policy includes a free-look provision of at least ten days. During that time, you can return your policy for any reason and receive a refund of any payments. That means you can rest easy knowing that if you chose the wrong company, were scammed in some way, or simply changed your mind, you can get a full refund.
Another helpful law to be cognizant of is the FTC’s Funeral Rule. It’s a federal law that applies to all states, mandating that all funeral homes furnish you with a written price list of all their goods and services. Additionally, it grants consumers the right to select and choose which products and services they want from a funeral home.
How To Buy Funeral Insurance In Florida
Buying burial insurance in Florida is no different from purchasing it in any other state. You either need to work with an agent who represents multiple companies or buy directly from an insurer.
There are pros and cons to each option, but generally speaking, the cheapest final expense policies are sold through licensed agents.
To get started, use this quote tool to compare policies from dozens of companies in Florida.
- Nationally licensed life insurance agent with over 15 years of experience
- Personal annual production that puts him in the top .001% out of all life insurance agents in the nation.
Anthony Martin is a nationally licensed insurance expert with over 15 years of experience and has personally served over 10,000 clients with their life insurance needs. He frequently authors entrepreneurial and life insurance content for Forbes, Inc.com, Newsweek, Kiplinger, and Entreprenuer.com. Anthony has been consulted as an expert life insurance source for dozens of high-profile websites such as Forbes, Bankrate, Reuters, Fox Business, CNBC, Investopedia, Insurance.com, Yahoo Finance, and many more.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
Choice Mutual often cites third-party websites to provide context and verification for specific claims made in our work. We only link to authoritative websites that provide accurate information. You can learn more about our editorial standards, which guide our mission of delivering factual and impartial content.
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state of Florida. https://www.iii.org/publications/commercial-insurance/how-it-functions/regulation
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free-look provision. https://life-insurance-law.com/life-insurance-laws-by-state/denied-or-delayed-florida-life-insurance/
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FTC's Funeral Rule. https://www.ftc.gov/news-events/topics/truth-advertising/funeral-rule
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NFDA General Price List Study. https://nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral
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Funeralocity. https://www.funeralocity.com/average-funeral-price
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National Funeral Directors Association. https://nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral
- Data sourced from Choice Mutual quote calculator for a 65-year-old applicant who does not use tobacco. Data is valid as of 07/31/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (07/31/2024-07/31/2025).
- Data sourced from 2023 NFDA General Price List Study.
