Sand and sun, palm trees and beaches: Florida promises seniors easy retirement and… rising funeral costs? Florida may be a paradise for most retirees, but rising end-of-life expenses threaten to spoil the fun. Thankfully, smart seniors have an easy and affordable way to cover them ahead of time: burial insurance. It’s the best way for Florida seniors to secure peace of mind and a calm retirement.
Seniors seeking burial insurance in Florida enjoy a wide range of options. Final Expense Benefits works with over 20 of the best burial insurance companies and can help connect you to a quality policy, at any budget.
To learn more about your burial insurance, call us at (866) 786-0725 Monday through Friday, 9 a.m. to 5 p.m. ET. Check our free online funeral cost calculator and quoting tool for personalized estimates for how much coverage you need and how much it could cost.
Key takeaways
The average funeral cost in Florida is $8,394 plus burial plot costs, a significant sum that’s often due up front.
Seniors who don’t want to leave their family responsible for such a large bill can cover it ahead of time with burial insurance.
Some states have strict life insurance laws that restrict access to burial insurance, but Florida seniors enjoy a wide range of options.
Final Expense Benefits can connect you to a quality policy from over 20 of the top life insurance companies, regardless of health or budget.
Average Funeral Cost in Florida
Like the rest of the U.S., funeral costs in Florida are rising. However, seniors have a few options to cover these large expenses ahead of time. The most reliable is burial insurance, low-cost whole life insurance typically used to cover funeral, cremation, and burial plot costs.
Costs vary by the type of funeral and desired services. According to Funeralocity, costs range from:
- Traditional funeral & burial: $8,394 + $2,725 burial plot cost
- Cremation with traditional funeral service: $5,966
- Direct burial (burial with no funeral service): $5,226
- Direct cremation (cremation with no funeral service): $1,706
These prices are for basic services and may vary depending on your location, desired funeral amenities, and more. Check our funeral cost calculator for more information.
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Top Funeral Homes in Florida
Here are some of the most popular funeral homes in Florida:
| Funeral Home | Location | Phone Number | Customer Rating |
|---|---|---|---|
|
Tampa, FL |
4.9 / 5 |
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Okeechobee, FL |
4.9 / 5 |
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Melbourne, FL |
4.8 / 5 |
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Lake Butler, FL |
4.8 / 5 |
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Apopka, FL |
4.6 / 5 |
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Average Florida Funeral Cost Breakdown
Florida funeral costs vary based on preferred funeral type and services. Because they require additional costs like funeral home rentals, caskets, and burial plots, traditional funerals are the most expensive. If you’re confused about any funeral costs, the FTC funeral rule entitles clients a detailed cost breakdown from the selected funeral home.
Here’s a breakdown of costs for traditional funerals:
- Basic services
Funeral home general service charges include basic fees like paying for a funeral director, burial permits, and more.
- Transport
Funeral homes charge fees for transporting the body from the morgue, driving the casket to the cemetery in a hearse, and other transit needs.
- Service preparation
Traditional funerals require body preparation, including expensive supplies and services like embalming, makeup, and clothing.
- Service
Service and viewing costs include fees for memorial officiants, decorations, flowers, funeral home rental fees, and more. These costs will increase if you choose to host a large gathering or have the funeral catered.
- Casket
Casket costs vary depending on material and casket construction quality. The median cost for an average wooden casket is about $3,500.
- Burial plot
These costs vary wildly by location. Cemetery costs in Florida are usually more expensive in populated, busy urban areas like Naples and Orlando than in rural regions.
Burial insurance in Florida is an affordable, accessible way to cover all these end-of-life expenses and more. Florida burial insurance is even more reliable thanks to a few simple life insurance regulations. Here’s how Florida burial insurance laws work:
Interested in burial insurance? Florida seniors should call Final Expense Benefits today at (866) 786-0725 for a no-pressure consultation, or check our free online quoting tool for personalized pricing estimates.
Florida Burial Insurance Laws
Some states, like New York, have strict insurance laws that restrict seniors from most burial insurance options.
However, Florida life insurance laws generally help to promote trust and health sales practices in the life insurance market, allowing seniors to choose from any of Final Expense Benefits’ top partner providers.
Here are Florida’s burial insurance laws and how they work:
- Grace period
Florida state law states that life insurance policyholders are entitled to a grace period of at least 30 days during which they can make interest-free premium payments.
- Incontestability
Some life insurance providers reserve the right to contest life insurance payouts. Florida law states that policies at least two years old cannot be contested by insurers, unless the policyholder failed to pay premiums.
- Notice of cancellation
If a policyholder fails to make timely premium payments, Florida law requires the company to send a written notice with instructions on how to keep the policy active. This notice must be sent at least 10 days before the policy is canceled and include instructions on when the outstanding balance must be paid.
- Surrender recommendations
Florida has specific rules for life insurance agencies and how they should handle recommendations for policy surrenders. If an insurance agent recommends policy surrender, but does not recommend purchasing a new policy with those proceeds, they must provide written information on why they made this recommendation.
Florida’s burial insurance laws not only protect consumers, they help maintain low rates in the state. But how much does burial insurance cost in Florida?
How Much Does Burial Insurance Cost in Florida?
Also called final expense insurance, burial insurance is the most reliable, cost-effective, and accessible way for Florida seniors to cover their end-of-life expenses.
Offering rates locked at the policy’s start, lifetime coverage, and cash value growth, burial insurance is a great choice for seniors. Average benefit payouts range from around $5,000 to $50,000, ideal to cover funerals, cremations, and other end-of-life expenses.
Seniors in good health typically qualify for no-wait burial insurance, thanks to relaxed medical underwriting. Those with major pre-existing medical conditions may only qualify for pricey guaranteed policies, which require waiting periods and may pay reduced or modified payouts. To secure rates, it’s best to apply when younger and in better health. Don’t wait – apply early and save.
Rates for $10,000 Burial Insurance in Florida
Florida burial insurance rates are affordable. Here are sample rates from a Final Expense Benefits top partner provider, Mutual of Omaha, for a benchmark $10,000 burial insurance policy:
| Age | Monthly Rate (Male) | Monthly Rate (Female) |
|---|---|---|
|
50 |
$31 |
$24 |
|
55 |
$36 |
$28 |
|
60 |
$44 |
$33 |
|
65 |
$57 |
$41 |
|
70 |
$75 |
$53 |
|
75 |
$100 |
$72 |
|
80 |
$140 |
$98 |
These rates are calculated for a $10,000 burial insurance policy from Mutual of Omaha, using a non-smoking applicant with no pre-existing health conditions.
Best Burial Insurance in Florida
Seniors in Florida can select from all of Final Expense Benefits’ top-rated burial insurance providers. Here are some of our top picks for seniors seeking reliable, affordable coverage:
- Aetna Accendo
Aetna Accendo is backed by the massive CVS Health company, providing low-cost burial insurance with simplified medical underwriting. Thanks to their simple health requirements, Aetna Accendo is a quality choice for seniors with pre-existing health concerns.
Best for: Seniors with pre-existing health concerns seeking affordable coverage.
- American Amicable
American Amicable is a smaller provider than some of our other top partners and offers low-cost burial insurance and reliable, personalized customer service. American Amicable policies have a wide range of optional life insurance riders, allowing seniors with complex health or budget needs to customize their coverage.
Best for: Seniors with diverse health needs seeking customizable coverage.
- Mutual of Omaha
One of our top burial insurance providers, Mutual of Omaha offers acclaimed coverage, low rates, and quality customer services. They’re a great choice, especially for health seniors seeking discounted rates.
Best for: Seniors in good health seeking low rates.
If you’re interested in these or any of our other top life insurance providers, contact Final Expense Benefits at (866) 786-0725 to start your application today. Use our free funeral cost calculator and quoting tool to check how much coverage you need and how much it could cost.
Final Thoughts
Florida seniors looking for a good way to cover their end-of-life expenses should get burial insurance. Offering growing cash value, benefits tailored for their needs, and affordable rates, burial insurance is perfect for seniors who want to secure peace of mind and loved ones’ financial futures.
Final Expense Benefits is here to help seniors in Florida find quality coverage. We work with over 20 of the best burial insurance providers in America to help you get covered at any budget. Call us at (866) 786-0725 Monday through Friday, 9 a.m. to 5 p.m. ET. Check our free online quoting tool and funeral cost calculator for personalized rate and coverage estimates.
FAQ
How much does a funeral cost in Florida?
Average funeral costs in Florida are about $8,394, plus an average of $2,725 for a burial plot. Prices vary by location and desired services. Check our customizable funeral cost calculator for personalized funeral cost estimates.
How can I lower funeral costs in Florida?
Seniors can manage funeral costs in Florida by using Veterans Affairs resources for military funerals, using non-traditional funeral services like direct burial & cremation, green funerals, or burial at sea. However, the most reliable way to lower or cover funeral costs is burial insurance.
What is burial insurance?
Burial insurance is affordable whole life insurance that provides seniors accessible and reliable coverage. Benefit payouts range from $5,000 to $50,000, plenty to cover average Florida funeral costs.
How much is burial insurance in Florida?
Rates for burial insurance in Florida vary by applicant age and payout values. Monthly costs for $10,000 burial insurance policies average between $30 and $150 for seniors ages 50 through 80. For an accurate, personalized estimate, check our free online quoting tool.