Affordable Burial Insurance Options for Seniors in Florida: 2025 Guide
Written by Daniel Ray, Life Insurance Expert | ✅ Fact Checked by 
Lisamarie Monaco | Editorial Disclosure Planning for end-of-life expenses is a crucial aspect of financial preparedness, especially for seniors in Florida. The average cost of a funeral in Florida ranges between $1,699 for a direct cremation to $8,385 for full service burial, depending on the services chosen.
Florida Funeral Costs in 2025
| Service Type | Low | High | Average |
|---|---|---|---|
| Traditional Full Service Burial | $5,390 | $13,760 | $8,385 |
| Full Service Cremation | $3,170 | $11,210 | $5,957 |
| Affordable Burial | $3,200 | $7,945 | $5,210 |
| Direct Cremation | $484 | $5,190 | $1,699 |
Data source: Funeralocity
To alleviate this financial burden, securing an affordable burial insurance policy is essential. This guide explores the most cost-effective burial insurance options available for Florida seniors in 2025, providing insights into coverage details, eligibility criteria, and current rates to assist you in making an informed decision.
Funeral Costs in Florida
Funerals in Florida cost a lot, and the average cost is around $6K. If you or your loved one passes away without planning for final expenses they might be left figuring out how to cover rising funeral costs- though there’s help!
Funeral insurance can be purchased ahead of time so that any debts left behind won’t burden family members after their death. However, it could also just pay off all outstanding debt from life as well if provided with funds beforehand.
Final expense insurance is the same across all 50 states, but in Florida, there are a few unique rules.
This guide will outline how InsuranceForBurial.com can help your family with an affordable burial policy after you’re gone so they don’t have any surprises coming up afterward.
Also, including what steps should be taken and when funeral planning begins!
Florida Direct Cremation
| Service Type | Low | High | Average |
|---|---|---|---|
| Direct Cremation | $484 | $5,190 | $1,699 |
| Basic Services | $325 | $5,190 | $1,636 |
| Transfer to Crematory | – | $600 | $17 |
| Crematory Fee | – | $1,100 | $44 |
Data source: Funeralocity
Florida Full Service Cremation
| Service Type | Low | High | Average |
|---|---|---|---|
| Full Service Cremation | $3,170 | $11,210 | $5,957 |
| Basic Services | – | $4,265 | $1,874 |
| Transfer to Funeral Home | $95 | $1,600 | $402 |
| Embalming | $50 | $1,850 | $809 |
| Dressing & Casketing | $35 | $995 | $259 |
| Viewing & Visitation | $75 | $1,595 | $432 |
| Funeral Service | $100 | $3,800 | $534 |
| Transfer to Crematory | – | $600 | $42 |
| Crematory Fee | $45 | $1,995 | $401 |
| Cremation Casket* | $1,200 | – | – |
Data source: Funeralocity
Florida Affordable Burial
| Service Type | Low | High | Average |
|---|---|---|---|
| Affordable Burial | $3,200 | $7,945 | $5,210 |
| Basic Services | $700 | $5,445 | $2,708 |
| Basic Casket* | $2,500 | – | – |
Data source: Funeralocity
Traditional Full Service Burial
| Service Type | Low | High | Average |
|---|---|---|---|
| Traditional Full Service Burial | $5,390 | $13,760 | $8,385 |
| Basic Services | – | $4,265 | $1,901 |
| Transfer to Funeral Home | $95 | $1,600 | $404 |
| Embalming | $100 | $1,850 | $812 |
| Dressing & Casketing | $35 | $995 | $259 |
| Viewing & Visitation | $75 | $1,595 | $432 |
| Funeral Service | $100 | $3,800 | $532 |
| Hearse | $75 | $995 | $365 |
| Utility Vehicle | – | $675 | $177 |
| Median-priced Casket* | $3,500 | – | – |
Data source: Funeralocity
*Ballpark Quote
What is the Average Cost of Cremation and Burial Insurance in Florida
If you are between the ages of 50 and 85, your monthly benefits package will be worth an average of $20-$180 per month for a final expense policy with 8-20 thousand dollars in it.
Please understand, the exact cost depends on age, gender, health condition/impairment, and the exact coverage amount desired. In addition, costs can be different in other states.
Average Cost Of Burial Insurance In Florida
Female
Female Burial Insurance Rates
| Age of Applicant | $5,000 | $10,000 | $15,000 |
|---|---|---|---|
| 50 | $12.86 | $23.06 | $33.08 |
| 55 | $14.97 | $26.94 | $38.90 |
| 60 | $18.04 | $32.87 | $47.70 |
| 65 | $22.11 | $41.01 | $59.91 |
| 70 | $28.07 | $53.12 | $78.18 |
| 75 | $37.81 | $72.41 | $107.01 |
| 80 | $50.82 | $98.43 | $146.05 |
| 85 | $69.55 | $135.90 | $202.25 |
| 90 | $149.69 | $296.41 | NA |
Male
Male Burial Insurance Rates
| Age of Applicant | $5,000 | $10,000 | $15,000 |
|---|---|---|---|
| 50 | $15.37 | $27.73 | $40.08 |
| 55 | $18.72 | $34.43 | $50.13 |
| 60 | $22.72 | $42.42 | $62.13 |
| 65 | $28.41 | $53.82 | $79.22 |
| 70 | $36.47 | $69.93 | $103.38 |
| 75 | $50.22 | $97.43 | $144.64 |
| 80 | $71.44 | $139.73 | $207.99 |
| 85 | $97.97 | $192.74 | $287.51 |
| 90 | $176.59 | $350.21 | NA |
*Ballpark Quote
Discovering the Best Burial Insurance Options in Top Florida Cities for Seniors
Florida is famous for its sunny beaches and lots of seniors. Because of that, it’s important for older folks to have burial insurance. Here’s a list of cities in Florida with many seniors, and they all have great insurance options:
- Sarasota: Beautiful beaches and lots of art. Good insurance options for seniors.
- The Villages: A place mostly for seniors. They have special insurance just for them.
- Naples: Fancy shops and nice beaches. Seniors can find great insurance here.
- Delray Beach: Fun events and beaches. They also think about seniors and their insurance needs.
- Fort Myers: Close to pretty islands and has a rich history. Seniors have many insurance choices.
- Boynton Beach: A city that’s growing fast and takes care of its seniors with good insurance.
- Boca Raton: Very fancy and green. Seniors have many good insurance options.
- Clearwater: Right next to the sea with beautiful sunsets. Seniors can easily find insurance here.
- St. Petersburg: Lots of art and pretty views of the water. They also have good insurance for seniors.
So, if you’re a senior in these cities or moving to one, you can find good burial insurance to help you feel secure.
What Are 6 Items Outlined By The Funeral Rule
The Federal Trade Commission (FTC) has very strict guidelines for funeral homes and it applies to every state.
Example instructions from the FTC include:
- Pricing – Agents are required to quote prices over phone if requested, general list included in person too;
- Casket Costing/Billing Information-Price lists should show available options as well what type of caskets or coffins you can purchase at different price points along with where they would be delivered;
- Burial Container Price List When Applicable – If applicable this could mean anything such as whether someone wants granite laid out ahead o ver their grave instead an urn placed inside a vault
- Contracts between funeral directors and end-users must include an itemized list of charges as well as a time period within which they will be paid out before legal action may occur if there is no agreement reached between both parties involved in regards this matter.
Cremation and Burial Information in Florida
In the event of death, each state has its own laws on how to deal with bodies and certificates.
These vary from cremation all the way down to embalming which can be done if deemed necessary by a funeral director at your request or family’s discretion.
It is important you know these regulations beforehand so that there are no major complications during such an emotional time period in one’s life.
*Ballpark Quote
What are the Requirements for Death Certificates in Florida
In Florida, the funeral director or physician must file a death certificate within five days of receiving confirmation that an individual has passed away.
This action takes place before they can bury someone in their grave and cremate them for cremation purposes only; it does not apply if there are any other religious requirements that would prohibit such procedures from happening right away after burial.
Can you have a Viewing Without Embalming
A body must be refrigerated if the burial or cremation will not take place within 24 hours of death with some exceptions for military funerals in certain cases, government employees who die overseas while serving their country.
Florida law does not require embalming.
Florida Direct Cremation Laws
Cremation in Florida can be complicated. There are a lot of rules and regulations to keep track of, but luckily we’ve broken down everything you need for hassle-free cremations for seniors are here!
The first step is choosing what kind of container will hold your ashes: either an urn or concrete scattering box? If the former then there’s no 48 hour waiting period required before proceeding with incineration as well.
However –you cannot scatter them anywhere on land unless given permission by both parties (the person whose remains were being scattered/landowner).
Does Florida help with Funeral Expenses
If you’re planning on leaving final expense life insurance money to benefit your loved ones, then make sure they know how and when. You may want a will too!
When it comes time for paying final expenses like funeral costs in Florida – which can be expensive- having these things taken care of ahead puts less stress upon everyone involved with making tough decisions during such an emotional period after losing someone close.
*Ballpark Quote
Burial Insurance Florida
Planning for the inevitable should be a priority in life. Everyone needs to have their own end-of-life wishes and plan accordingly.
In addition, making sure they are covered with insurance that will take care of final expenses if something were ever to happen or writing down what those things could be before it does occur so there’s no question about who owns them later on when someone else claims your property as theirs.
- Term life insurance policy that provides temporary coverage. It’s cheaper and easier to acquire than other types, but each term expires after a set amount of time so you have to buy another one if your current plan isn’t up yet or else risk losing what little protection it offers in case something happens during the interim period between renewals The downside? They’re only available for short periods before they require renewal at more expensive rates–and who knows how much worse things will be by then!
- Whole Life Insurance stays active no matter what happens during that length: even death can’t touch them since premiums never go up or decrease due to illness!
- Final Expense Insurance – Florida families who are concerned about covering final expenses should consider burial insurance. Permanent life insurance develops cash value that can be borrowed. Like whole life policy, this remains in place until you die and payments are based on factors like age or sex with no medical bills or exams needed!
What about Government Funeral Assistance in Florida
The Federal Government offers a one-time Social Security death benefit. This benefit is a one-time payment of $255, which is payable to spouses and dependent children of eligible deceased people.
The state also has some assistance programs if no other source provides the money needed for funeral expenses – check out these victim services at Florida’s Division of Victim Services!
What are the Leading Causes of Death in Florida
In Florida, people die in a variety of different ways. Accidents are the top cause of death with more cases coming from suicide than national averages and this is true across all counties in the state.
- Accidents
- Cancer
- Heart Disease
- Strokes
- Alzheimers/Dementia
- Diabeties
- Suicide
- Chronic Liver Disease
- Kidney disease/failure
- Respiratory Disease
Is There a Medical Exam for Cremation and Burial Insurance in Florida
The idea of an uninsured, healthy person paying for insurance premiums can be daunting. But don’t worry! No medical exam is required. There are just a few quick health questions and you’re golden.
Insurance companies now use electronic health records to determine if someone is eligible or not. There are no longer any physical exams needed by final expense plans at all.
*Ballpark Quote
Will Burial Insurance Cover People with Medical Conditions in Florida
Life insurance is a great way to protect your family’s future. With soft underwriting guidelines, it may be easier for people with disabilities or chronic illnesses, especially those who have long-term medical conditions like diabetes, or high blood pressure get approved quickly!
The amount you pay on this type of policy will depend on the coverage amount you choose and the type of product you qualify for.
What Does Burial Insurance cover?
In addition to being fixed, burial premiums remain the same regardless of how good your health gets. A final expense policy covers several expenses related directly to the funeral of a named insured, including a casket, funeral service, visitation/viewing, hearse, digging and filling of the grave, a cemetery plot, grave vault or grave liner, minister, headstone, flowers, and more. We can help you find the right final expense coverage.
What is a 14 Day Free Look Period
In Florida, you have a 14-day window of opportunity to cancel any burial insurance policy without penalty.
If you choose to cancel after the free look-up period has expired, you can cancel it, but the insurance carrier does not have to refund premiums paid after the free 14-day free look-up period has expired.
How Do You Get a Burial Policy In Florida
Burial insurance is always a good idea. Florida residents should make sure they’re getting it from the right insurance company and have done enough research before purchasing anything.
In general, this just makes sense for everyone no matter where you live or what kind of funeral insurance plans are made with your family ahead of time!
Insuranceforburial.com has experienced agents who will help you achieve your goals of protecting your loved ones from this financial burden. We are licensed and insured in all 50 states.
The best way to prepare for your loved one’s death is by getting a policy with the right coverage amount and monthly premium that you can afford.
*Ballpark Quote
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FAQ
Burial insurance in Florida for seniors is a specialized life insurance policy that helps cover end-of-life expenses such as funeral, burial, or cremation costs. These policies are designed to provide seniors with affordable and straightforward coverage, ensuring their families are not left with unexpected financial burdens.
Seniors aged 50 to 85 are typically eligible for burial insurance in Florida. Depending on the policy, you may need to answer basic health questions, though many insurers offer guaranteed issue policies with no health requirements or medical exams.
The cost of burial insurance in Florida depends on several factors, including:
Age: Older applicants typically pay higher premiums.
Health: Healthier individuals may qualify for lower rates.
Gender: Women often pay less than men for similar coverage.
Coverage Amount: Policies typically range from $5,000 to $25,000 in coverage.
On average, premiums range from $30 to $100 per month. Working with a licensed agent can help you find the most affordable option for your needs.
Yes, burial insurance is often referred to as final expense insurance. Both terms describe small life insurance policies designed to cover end-of-life costs.
Yes, many burial insurance policies in Florida offer immediate day-one coverage for qualifying applicants. However, guaranteed issue policies for those with significant health issues may include a waiting period of up to two years before full benefits are paid.
Yes, burial insurance is designed to be affordable for seniors, even those on fixed incomes. Monthly premiums are typically lower than traditional life insurance, especially for smaller coverage amounts. Policies with fixed premiums ensure costs remain predictable over time.
Conclusion
The decision to purchase cremation or burial insurance is an important one. It will help you plan for the future, and can also protect your family from financial burdens in the event of a loss.
We hope this guide has given you some valuable information about how these insurance policies work, as well as what features are most helpful when it comes to selecting the right policy for your needs.
If you’ve found our post useful, please share it with friends and family who may be looking into purchasing life insurance!
You never know when they might find themselves in need of protection that would have been provided by their choice in funeral-related coverage today.
Have any questions? Get in touch with call us anytime at (855) 380-3300.
*Ballpark Quote
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