Burial insurance in Florida [Affordable & Instant Purchase]

Whether you live in Florida, California, or any other US state, it is as important to plan for your funeral before retiring.

In most US states, funeral expenses, such as service fees, embalming, and transport, are too costly. This is why people on average salaries cannot afford them.

And most families have to take loans to bury their loved ones. Of course, you don’t want your family or friends to struggle and take on costly debts when you die.

Therefore, burial insurance in Florida is vital to have peace of mind that the people you will leave behind will not suffer financially after your death.

It’s the best way to ensure you have tied up your financial loose ends before you depart this life.

What is Burial Insurance?

burial insurance in Florida

Burial insurance is basically a whole life insurance policy that comes with a death benefit of between $5,000 and $25,000.

This policy provides funding to pay for various burial and funeral costs of the insured. You or your family can purchase this insurance to afford your final expenses.

The best part of this insurance is that you can easily buy it as many insurance companies offer this type of insurance.

It also has feasible and flexible requirements. In fact, you can purchase a policy by simply answering a few questions, and there is no need to go through extensive and complex medical tests and checkups.

The policy requires you to pay premiums, and you need to pay them either monthly or weekly based on your preference.

And these premiums are quite affordable for most buyers. Plus, this policy is available from middle-aged people to seniors.

This insurance is designed to cover one or more family members for their burial expenditures.

Apart from this, you need to assign a beneficiary who will get the insurance money after your death. The beneficiary can be any person of your choice.

You also need to know that the financial assistance or amount is enough to pay for all the necessary expenses of your funeral.

It includes costs for a casket, funeral home, cost of digging the grave, flowers, burial plot, different services, etc.

It’s best that the insurer decide the type of funeral ceremony before purchasing the insurance. Therefore, they can determine the right amount of death benefits based on their needs.

Can I Buy Burial Insurance in Florida?

Like many US states, there are several policies you can purchase in Florida.

Whether you live in Tampa, Miami, Jacksonville, Tallahassee, Orlando, Fort Lauderdale, or St. Petersburg, you can easily find a suitable burial insurance policy that offers all the facilities and coverage you need.

In Florida, you have a range of options to choose from to purchase burial insurance coverage.

You can contact the insurance provider through their website and sign the contract and make payment via the internet. Or you can simply call the life insurance carrier and make an appointment to meet.

If you are confused between different insurance providers, then it’s best to contact us. We can help you understand the pros and cons of each insurance provider.

Additionally, we can also help you calculate and estimate the money you need for the burial.

We can tell you the cost of each funeral service and how you can avail the best funeral offers in town.

So, if you are finding it hard to reach a decision after checking every insurance provider, contacting an agent like us is the best approach.

Who Can Buy Burial Insurance in Florida?

Florida is the best state to live in not only because of its appealing and eye-catching scenic views but also because of its endless facilities.

The state, private organizations, and non-profit organizations offer different policies to every citizen in Florida who meets the criteria for approval.

In other words, if you are between 45 and 85, you can purchase burial insurance in the state.

The age restrictions can vary slightly by insurance providers. Some providers offer life insurance for over 85 if you are in good health.

The most popular providers in the state are AIG and mutual of Omaha. No matter who is buying insurance, they should know the features they want and what they expect from the organization.

Once you know what you are looking for, you can easily decide between different insurance companies with the help of an insurance agent.

Features of Burial Insurance

If you don’t want to pay high premiums but need great assistance for the funeral, this insurance is best for you.

Having burial insurance will save you from leaving a financial burden on your loved ones. This way, you will be having peace of mind that your family and friends don’t have to suffer after you die.

Here are some features that you can get from the coverage in Florida.

Affordable Monthly Premiums

Although insurance premiums significantly vary depending on the provider you have chosen, the premiums are affordable.

Seniors can easily make a budget to pay monthly or weekly payments. The best part is that the death benefit you will get is excellent compared to the money you are contributing for the coverage.

Furthermore, each insurance provider offers different packages that require different payments.

So, make sure to check the amount of death benefit you can receive with your decided payments.

Excellent Coverage

As we have already discussed, the insured can avail of the high sum of money to pay for all funeral expenses.

Typically, you can get coverage of $2,500 to $25,000 from your burial insurance. Note that the money is enough to pay for all necessary funeral expenditures.

Guaranteed Acceptance

When you get old, it’s challenging to find appropriate insurance that you easily qualify for. However, burial insurance providers have made this task easy.

People between the age of 45 and 85 can purchase insurance and enjoy the peace of mind of supporting their loved ones after death.

No Medical Examination

Most insurance policies and plans require applicants to have a medical checkup and several tests before getting approval.

Besides that, if the medical examination indicates the presence of a disease or illness, you will not be eligible to get insurance.

But in the case of burial insurance, you don’t need to go through this hassle. In other words, there will be no exam or test, and you can get approved by answering some simple health-related questions.

Coverage for Everyone

Of course, completely healthy seniors can benefit from this insurance. However, individuals with pre-existing health conditions can also get coverage.

There are some conditions that you need to fulfill. For instance, some providers do not offer insurance to people with deadly illnesses, such as cancer.

If you do some research and dig deeper into each insurance provider, you will know which company can facilitate you the most.

Fixed Premiums

The best part about burial insurance is that you don’t have to disturb your budget. This is because the premium you decide to pay will remain the same throughout the coverage.

It never increases or decreases, making it easy for you to pay in your entire life without feeling any trouble.

Cash Value

This insurance offers you cash value that builds over time. The money you will contribute will increase over time based on several factors.

Therefore, this insurance is also a great way to double your money.

Funeral & Burial Expectations in Florida

Florida burial insurance

In the case of embalming, death certificates, and cremation, every state has its own laws and regulations.

You need to consider all these factors to know how much your friends or family might have to pay.

Death Certificates

The physician, funeral director, or health examiner needs to apply for a death certificate within five days after the person dies.

The family or friends have to do this before the deceased person can be cremated or buried.

So, they to pay for the death certificate and fees, if any, for the expert doing this for you.

Refrigeration and Embalming

You do not have to use embalming services, but you need to refrigerate the body if the cremation or burial doesn’t take place within 24 hours.

This is another expenditure your family has to think about.

Cremation Services

If you are planning to perform cremation services, you need to wait 48 hours before cremation. On top of that, the legal next of kin have to sign for the cremation permit.

Florida’s government doesn’t ask you to opt for a casket for cremation, but you need to use a rigid and strong container made from materials like reinforced cardboard or plywood.

Some people also scatter cremation ashes, while others scatter them on land. Check the laws by contacting the Department of Environmental Protection if you are thinking about spreading ashes on private land.

You can’t spread the ashes in the sea. However, if you want to do that, you need to take permission from the Environmental Protection Agency (EPA) or the US Coast Guard.

Cremation is not as costly as burial. Hence, if you want to lower the cost go for the best cremation insurance.

Some Burial Related Expenses

funeral expenses in Florida

Here we have mentioned some of the most common expenses that one has to pay for a funeral.

It can help you understand how expensive a funeral can be and how much money you will need to cover the expenditures.

Note that these are average costs and can vary based on the location in Florida.

  • Metal Casket- $2,400
  • Vault- $1,395
  • Funeral Service Fee- $2,100
  • Embalming- $725
  • Cremation Casket- $1,000
  • Hearse- $325
  • Cremation Fee- $350
  • Urn- $275
  • Transportation- $325
  • Prayer Cards/ Pamphlets- $160
  • Cosmetic Preparations- $250
  • Flowers- $15-
  • Burial Plot- $1,000 to $4,000
  • Headset- $199 to $10,000

How Much Does Burial Insurance Cost in Florida?

The average funeral cost in Florida is $6,500, but that number doesn’t include the cost of the grave marker, cemetery plot, and casket. Not that the price of burial is increasing.

If you or your loved ones die without making any plans to pay for the funeral, your family can get into great trouble. They might have to take loans or have to use all their savings to arrange your burial.

Purchasing burial insurance can help you pay for all or a great portion of your own funeral, saving your loved ones great financial struggle and hassle after your death.

Most importantly, if you leave any debts behind, your family can use the insurance money to cover them.

If your beneficiaries get considerable death benefits, your child can use it to pay for their academic fees or rent or mortgage payments.

List of Best Burial Insurance Policies in Florida

burial insurance companies in Florida

Since Florida is one of the most popular states in the US, living in this state can help you get several insurance options.

Mutual of Omaha

This is one of the best insurance companies in Florida that offer you appealing features. Mutual of Omaha final expense insurance doesn’t have any waiting period.

The premium is extremely affordable and stays steady throughout the insurance. You can get coverage of around $2,000 to $40,000, based on the package you have chosen.

The age range of the applicants is from 45 to 85, allowing a great number of people to apply for the insurance. You also need to know that the application process is pretty easy.

Plus, you get a response in a few minutes to 3 business days. There are no requirements for medical exams, making the applying process feasible.

However, you might have to answer some health-related questions.


AIG is another incredible option for Florida residents. This company is popular for offering different types of insurance in different US states.

Eligible buyers can avail of death benefits from $5,000 to $25,000. You need to be between 50 and 80 to get approved for the insurance.

It is also important to note that this insurance comes with a 2-year waiting period. So, if you die within the two years of purchasing the insurance, your beneficiaries will not get the death benefit.

People opt for this company because of its credibility and guarantee to pay the designated death benefit.

The approval time is no more than 3 to 5 minutes. Hence, you don’t have to wait for months to invest in the planning of your final expenses.

When it comes to the policy duration, it stays enforced for your lifetime. No matter how many years you die after buying the insurance, your beneficiaries will get a certain amount.

American Amicable

People looking for a huge death benefit can opt for this burial insurance. American Amicable offers you around $2,500 to $35,000 of assistance to arrange your desired funeral ceremony.

In fact, you can opt for several expensive services when you have this much money. It comes with optional riders, such as grandchildren’s term.

Furthermore, there is no waiting period for the insurance. Your loved ones will get the finding if you die after a few months of purchasing the insurance. Anyone between 50 to 85 years is eligible to apply.

You don’t need to undergo any medical exam or test. If you are in a hurry and can’t wait for days to get the response to your application, then this coverage is best for you.

The applicant only has to wait for 8 to 10 minutes to get approval. This insurance policy also features regular premiums, cash value, and guaranteed acceptance.

Gerber Life

People in Florida are eligible to apply for Gerber Life insurance policies. They offer you several options in terms of life insurance.

In the case of burial insurance, you might have to go through a two-year waiting period.

The premiums you have to pay to stay the same throughout the life of the insurance. Most importantly, the coverage you will receive will be around $5,000 to $25,000.

The age limits are also compatible with the market, i.e., 50 to 80 years. You also need to know that the money you contribute will build cash value. And you need to purchase this insurance from only licensed agencies.

If you purchase the coverage from an agent without the license, you will not get the death benefit in the end. So, do research, and ask for proof of license of Gerber Life from your agent.

This way, you can save your money. Apart from this, the approval process doesn’t take more than 5 to 10 minutes, allowing you to save time.

Must Read: Life Insurance Savings Group Review.


Burial insurance is the best way to live a stress-free life and support your family when you are not around them.

Not to mention, it gives you peace of mind that your loved ones don’t have to suffer financially after your death.

So, make sure that you have the best burial insurance in Florida. If you are worried about the pros and cons of the different insurance providers, it’s better to get help.

Contact expert and experienced insurance agents in your town who can give you a better run down of all the policies.

Linda Chavez

I'm a burial & senior life insurance expert, independent agent, Founder & CEO of Seniors Life Insurance Finder. I have been working in this sector since 2004 and established my own company in 2014. I have a team of seven members, and we are trying hard to share the knowledge we've gathered. We know how difficult often it is to find an affordable policy. Hence, we are doing our best to help you.