Protect your family from funeral costs and end-of-life expenses. No medical exam. Coverage approved in days. Serving Miami, Hialeah, Doral, Kendall, Homestead.
The average funeral in FL costs $8,000–$12,000. Final expense insurance — also called burial insurance — is a small whole life policy designed specifically to cover those costs, so your family isn't left with that burden.
These policies are built for ages 50–85, have no medical exam, and are approved quickly — often within 24 hours. Coverage amounts range from $5,000 to $35,000. Premiums are fixed for life and the policy never expires as long as you pay the premium.
A few health questions, no physical exam. Best rates for applicants in reasonable health. Coverage up to $35,000. Most popular choice in Sarasota County for ages 50–70.
No health questions. No medical exam. Cannot be denied. Ideal for applicants with serious health conditions. Coverage $5,000–$25,000. Graded benefit for first 2 years.
Unlike term life, final expense policies never expire and build a small cash value. Your family receives the death benefit tax-free, paid directly to the named beneficiary.
Rates below are estimates for simplified issue coverage. Guaranteed issue rates are higher. Non-tobacco rates shown.
| Age | Coverage Amount | Est. Monthly Rate |
|---|---|---|
| 55 | $10,000 | $28–$38/mo |
| 60 | $10,000 | $36–$48/mo |
| 65 | $10,000 | $47–$62/mo |
| 70 | $10,000 | $63–$84/mo |
| 75 | $10,000 | $88–$115/mo |
* Estimates for non-tobacco females in Sarasota County. Male rates ~20% higher. Actual rates vary by carrier and health history. Call for your exact quote.
Social Security and pension income leaves little room for unexpected costs. A $30–$60/month premium locks in coverage that protects your family from a $10,000+ expense.
If your employer life insurance ended at retirement or you never had coverage, final expense fills that gap quickly — even with health issues.
Diabetes, COPD, heart conditions — these are reasons traditional life insurance declines you. Guaranteed issue final expense accepts everyone ages 50–85.
Beyond funeral costs, many Sarasota County families use final expense to leave a small inheritance or cover outstanding debts without burdening adult children.
Sabemos lo que su familia ha sacrificado. Un seguro de gastos finales asequible garantiza que sus seres queridos no queden con deudas cuando usted falte. Hugo explica sus opciones completamente en español, sin presión.
Tell us your age, coverage goal, and budget. We recommend simplified vs. guaranteed issue based on your health.
We shop Mutual of Omaha, Transamerica, AIG, Gerber Life, and 15+ carriers to find your best rate.
Simple application, no exam. Coverage active within days. Your family is protected.
Serving Miami, Hialeah, Doral, Kendall, Homestead and all of Sarasota County, FL. No medical exam. No pressure. Just honest answers and the best rate available.