Burial insurance in Florida (2026)

Reviewed by licensed insurance agents· Updated July 2026

Whole-life final expense coverage for Florida seniors — no medical exam, rates locked in for life. Here's what Florida seniors actually pay, from our own book of placed policies.

Quick answer

Across the 87 policies we've placed for Florida seniors, the average premium is about $106/month (most choose $25,000 of coverage), and the typical buyer is age 69. A funeral in Florida runs roughly $8,500. No medical exam, available to age 85.

What Florida seniors really pay (our book)

Unique to us — figures from the burial insurance policies we've actually placed in Florida, not generic estimates.

Our real Florida data. Based on 87 burial insurance policies we've placed for Florida seniors: the average Florida policy runs $106/month, the typical buyer is age 69, and most choose $25,000 of coverage.

$106/mo average

The average monthly premium across our placed Florida policies. Your rate depends on age, gender, health and coverage.

Age 69 typical

The median age of Florida seniors we've helped — locking in while rates are lowest.

$25,000 most common

The coverage most Florida buyers choose — enough for a funeral and final bills.

Burial insurance rates in Florida by age (2026)

Real $10,000 whole-life monthly premiums, non-tobacco. Toggle gender and coverage.

Gender

Coverage

Your age	Monthly premium	Annual

Whole-life rates are set nationally — Florida has no state surcharge for final expense. Locked in for life; tobacco users pay 30-50% more.

Best burial insurance companies for Florida seniors

Carrier	Issue ages	Waiting period	Best for
Mutual of Omaha	to 85	Day one	Healthy seniors
Colonial Penn	to 85	2 yrs (GI)	Any health
Aetna / Accendo	to 89	Day one	Higher coverage
Gerber Life	to 80	2 yrs (GI)	Guaranteed accept

We compare A-rated carriers available in Florida and match you to the best fit for your age and health.

Frequently asked questions

How much is burial insurance in Florida?

Across our Florida book the average is about $106/month (most at $25,000). By age for $10,000: about $27/mo at 60, $45 at 70 and $54 at 80 (female non-tobacco). No medical exam.

What's the most common plan Florida seniors buy?

Most Florida buyers choose $25,000 of whole-life coverage, at a median age of 69. It's enough to cover a funeral (about $8,500 in Florida) plus final bills.

Is there a waiting period in Florida?

Healthy Florida applicants can get day-one coverage through simplified issue. Guaranteed-issue plans have a 2-year waiting period.

Does Florida Medicaid pay for funerals?

No — Florida Medicaid does not cover funeral costs, which is why many seniors buy a small final expense policy.

See your Florida rate

Free, no exam, no obligation — join the 87+ Florida seniors we've helped. Takes 60 seconds.

Get my free quote →

Licensed U.S. agents · Mon–Fri 8am–8pm ET

About these figures: the premiums and averages shown are estimates based on our own placed-policy data (our internal systems) — not official carrier-published quotes. Your actual rate depends on age, gender, tobacco use, health and coverage amount, and is confirmed by the carrier at application.