Skip to content

Get Easy Approval Burial Insurance In Florida – 2022

Burial Insurance In Florida

If you are considering burial insurance in Florida, look no further. There is easy approval burial insurance available in Florida today! Residents of the Sunshine State can also get affordable low-cost burial insurance as well! Now before we get into the approval process and the cost of burial insurance in Florida, let’s go over what burial insurance is and how burial insurance works.

What Is Burial Insurance In Florida?

Burial insurance in Florida, properly called “final expense life insurance,” is a small whole life insurance policy that typically offers coverage amounts ranging between $2,500 – $50,000. In addition, these policies offer simplified issue underwriting and require no medical exam.

You only have to answer a few health questions during the application process. There is no requirement for a blood or urine sample and there is no request for medical records.

One of the great things of final expense insurance or burial insurance is how easy it is to qualify for a policy. So whether you have perfect health or you have health issues, you may qualify!

The simplified issue underwriting along with no medical exam makes it really easy for many folks to qualify for burial insurance in Florida!

Now when it comes to burial insurance or final expense insurance, you can know if you qualify for coverage as early as the same day!

The underwriting process does not take months like other forms of life insurance. While its possible to know if you qualify for coverage the same day, you at least will know sometime between 2-5 business days.

Now it must be noted that not all forms of burial insurance are created equal. Some burial insurance policies have waiting periods. If you were to pass away during the waiting period, your loved ones would not receive 100% of the death benefit.

Therefore, let me briefly explain the three types of death benefit coverage and how they work before we move any further.

By the way, the three types of death benefit coverage are: first day coverage, graded death benefit, & 2 year waiting period with return of premium.

Ok, here we go!

First Day Coverage Death Benefit

Burial insurance with first day coverage will the pay death benefit to your beneficiaries upon your death so long as the policy is issued and inforce.

There is no waiting period so your loved ones can receive 100% of the death benefit whenever you pass away.

When purchasing burial insurance coverage in Florida, you should first try to qualify for policies with a first day coverage death benefit.

A burial insurance policy with a first day coverage death benefit offers the best security to your loved ones in case of an untimely event.

Now the second most common death benefit coverage available is a graded death benefit. Let’s take a look at the graded death benefit.

Graded Death Benefit

A burial insurance policy with a graded death benefit only pays a partial death benefit if death occurs in the first 2 years of the policy. After the 2 years are over, your beneficiaries will then be able to receive 100% of the death benefit in the event of your untimely passing.

A burial insurance policy with a graded death benefit will generally only pay the full death benefit in years 1 and 2 if death occurs by “accident.” An accidental death during years 1 and 2 is typically the only way your loved ones would receive the full death benefit during that time.

Otherwise, they would just receive a partial death benefit.

Now during the 2-year period, the death benefit will gradually increase.

For example, the policy may offer 50% of the death benefit if death occurs in year 1 and 75% of the death benefit if death occurs in year 2.

Once year 2 is complete, the policy will offer 100% of the death benefit upon the death of the insured.

Now the percentage of the death benefit you receive in years 1 and 2 may vary depending on the burial insurance policy choose.

Also, some burial insurance policies with a graded death benefit have a waiting period of 3 years instead of 2 years.

This is why it’s always important to review the type of coverage you have in your policy.

By the way, applications for burial insurance policies with a graded death benefit typically ask less health questions than policies that offer first day coverage.

You’ll often find that a graded death benefit may be your next best option if you are unable to qualify for a policy with first day coverage.

That being said, let’s discuss the final death benefit option available on the market.

2-Year Waiting Period With Return of Premium

Burial insurance policies in Florida that have a 2-year waiting period with return of premium are practically the same as a graded death benefit. However, instead of paying a partial death benefit if death occurs in year 1 or year 2, the policy offers a return of your premium plus interest .

The burial insurance policy for example may offer a return of your premium plus 10% interest if death occurs in the years 1 and 2.

After the 2 year period is over, the policy will provide 100% of the death benefit upon the death of the insured.

Often times (not always) you will find burial insurance policies that have a 2-year waiting period with return of premium are guaranteed issue products.

Guaranteed issue products generally ask no health questions as your approval is guaranteed.

A guaranteed issue product is a good option if you are having a hard time qualifying for burial insurance in general.

That being said, let’s take a look at some of the health conditions that can be considered for burial insurance in Florida.

What Health Conditions Are Accepted For Burial Insurance In Florida?

Now there are multiple health conditions that insurance companies are willing to consider for final expense insurance. Now for some of the health questions, a burial insurance application may ask if you’ve had a specific health condition within the last 5 years.

So for example, the insurance application may ask a question like “In the last 5 years, have you been diagnosed with cancer?”

Now this can work in your favor if you are a cancer survivor for 6 or more years. You can simply answer “No” that you have not been diagnosed with cancer in the last 5 years and you still may qualify for coverage!

These few simple health questions are what helps make it easy for folks to get approved for burial insurance in Florida!

Be that as it may, here is a list of health conditions that you may have where you may still be able to get a final expense life insurance policy:

Alcohol Abuse/Dependency



Cardiac Chest Pain


Atrial Fibrillation

Basal Cell Skin Cancer

Black Lung Disease

Brain Tumor

Bypass Surgery


Chronic Bronchitis

Chronic Hepatitis

Chronic Lung Disease

Chronic Obstructive Pulmonary Disease (COPD)

Chronic Respiratory Disorder


Diabetic Coma

Drug Abuse/ Dependency


Enlarged Heart

Heart Attack

Kidney Transplant

Kidney Disease

Kidney Failure

Liver Disease



Mental Disorder

Multiple Sclerosis



Pacemaker Implant

Parkinson’s Disease

Peripheral Artery Disease

Peripheral Vascular Disease

Procedure For Brain Circulation






Systemic Lupus

Transient Ischemic Attack

Now this list is not exhaustive. So it does not include every health condition. In addition, there are other things the insurance company may consider such as when or how long you may have had these conditions.

Nevertheless, despite your health, you may still be able to qualify for a burial insurance policy.

In Florida, the leading causes of health-related deaths, according to the CDC (Centers For Disease Control and Prevention, are heart disease, cancer, and strokes. Those conditions are on the list.

Now insurance companies will also conduct a prescription background check when considering your application for burial insurance in Florida. This helps them to determine your health conditions as well.

Just as an example, let’s say you were prescribed Lotensin for hypertenstion. The insurance company may discover this when they conduct a search in the Rx database while underwriting your application.

Nevertheless, just like your health conditions, be able qualify for burial insurance in Florida regardless of the prescriptions or medications you are taking.

That being said, let me give you my three best final expense insurance companies in Florida.

Best Burial Insurance In Florida

When it comes to getting burial insurance in Florida, there are multiple companies you can choose from. With so many companies offering this final expense insurance, how do you know which one is the right one to choose?

Well, let me give you three final expense companies that you should consider in Florida:

  1. Aetna
  2. Mutual of Omaha &
  3. Guarantee Trust Life Insurance Company

Aetna CVS Health is a well-known insurance company offering insurance for almost 170 years. They are generally known for their health insurance products. However, they also offer final expense insurance.

They offer a great final expense product with affordable rates. Just answer a few health questions and you may qualify for coverage. They are also a financially stable company. As a matter of fact, they have an “A” (Excellent) AM Best rating.

Another company worth considering for burial insurance in Florida is Mutual of Omaha. Mutual of Omaha has been selling insurance for over 100 years and has an “A+” rating from AM Best! Their final expense insurance product is called “Living Promise.” This a well-known from product from a well-known company. This product offers valuable coverage with rates that are very affordable in compared to other products.

Therefore, if you are in Florida considering burial insurance, I strongly suggest you take a look at Mutual of Omaha’s final expense product.

My last company I would like to recommend is Guarantee Trust Life Insurance Company. Guarantee Trust Life Insurance has a very unique product called “Life Select.”

What makes this product unique is it’s ability to provide final expense coverage OR home care coverage. That’s right, with this policy if you become chronically ill, you can use the benefits to pay for home care! This added flexibility makes Guarantee Trust Life Insurance Life Select a standout product.

With an “A-” financial rating from AM Best and a flexible final expense product, I would encourage you to take a look at Guarantee Trust Life Insurance Company for burial insurance in Florida.

On average, these companies take about 2-5 days to process your application. That means you won’t have to wait months to find out if you are approved for a policy.

So once again, I would recommend you take a look a the three companies mentioned above if you are interested in burial insurance in Florida. Now the company you decide to go with will be based on your personal needs.

That’s why it is important to speak with an agent like myself to help you pick the right company and product for you. As an agent, I can also shop insurance costs & rates to help ensure you get the right product for your budget.

Speaking of costs, let’s move on and talk about the average costs of a funeral in Florida. We can also look at an example of how much a final expense policy would cost to cover the funeral expenses.

Average Cost of A Funeral in Florida

Now we all know the cost of living varies from state to state. When it comes to Florida, Florida ranks 31st on the list of states with the lowest cost of living. This is based on a survey conducted by the Council for Community & Economic Research.

So Florida is not exactly the most expensive state to live in but it is also not the least expensive state to live in either. It’s right there in the middle when it comes to the cost of living.

With that being said, the cost of some services in Florida are not exactly cheap. For example, the average cost of a funeral in Florida is $7,667 – this is based on data from

That’s why its important to have burial insurance coverage to cover your final expenses.

Now let’s say for example, a 60 year old male and a 60 year old female wanted to get a final expense policy and use it to pay for the funeral.

Based on the cost of the funeral, the rates for the final expense policy for the 60 year old male would be $35 a month and the rates for the 60 year old female would be $26 a month.

Those are great rates for burial insurance coverage!

Now let’s take a look at the cost for burial insurance for different age groups and different coverages.

Cost of Burial Insurance In Florida

Now we get to the million dollar question – “How much does burial insurance cost?” Below, you will find the cost of burial insurance from one of our top rated companies. The rates are based on on your age and the coverage amount you would choose.

Let’s take a look below:

Sample Burial Insurance Rates

$5,000 Coverage
Non-tobacco Monthly Rates Shown Above
$10,000 Coverage
Non-tobacco Monthly Rates Shown Above
$15,000 Coverage
Non-tobacco Monthly Rates Shown Above
$25,000 Coverage
Non-tobacco Monthly Rates Shown Above

Now that you know how much burial insurance in Florida may cost you, don’t delay. You’re next step is to get a FREE personalized quote and apply now!

Conclusion – Get Burial Insurance In Florida Today!

Getting a burial insurance policy in Florida can be as easy as “1-2-3.” Starting the process is simple. You can start by getting yourself a free quote. From there, you can start looking at companies and start the application process.

The entire process is very simple when you work with someone with my experience. You get you the best policy for your needs!

Also, if you were ever considering getting burial insurance coverage for your parents, I can help with that as well! So again, don’t wait -start today!

Start by getting your Free quote for burial insurance in Florida below! You may also call me at (800) 498-3955. I look forward to speaking with you!

Get Your FREE Quote Now!

Disclaimer: By submitting a request for a free quote, you agree to our privacy policy and consent to have agent Michael Chapman contact you by email, phone call, or text/SMS message at the phone number & email you provide for the purpose of providing you a free quote and offers for insurance. We will not sell your information. The only insurance agent that will contact you regarding your quote is Michael Chapman. You will not be contacted by numerous agents by submitting this quote.