Don't leave funeral costs to your family.

The average Florida funeral costs $8,000-$15,000. Most clients choose coverage between $10,000 and $25,000 to comfortably cover funeral expenses, plus a buffer for outstanding bills, family travel, and other final costs. We help you calculate the right amount during your free consultation — there's no need to guess.

No. Final Expense Insurance uses simplified underwriting — meaning you only answer a few health questions over the phone. There's no blood work, no urine sample, no doctor visit, and no waiting for lab results. Most applications are approved within minutes during a single phone call.

In most cases, yes. Final Expense is designed for ordinary people with common health conditions — diabetes, high blood pressure, heart conditions, even recent surgeries. Different carriers approve different health profiles, so working with an independent agent (like us) helps find the carrier that fits your situation. Even tobacco users can typically qualify, though premiums will be higher.

Most modern Final Expense policies offer day-one full benefits — meaning if anything happens after your policy effective date, your family receives the full death benefit. Some lower-cost "guaranteed issue" policies have a 2-year waiting period for natural-cause deaths, but most clients qualify for immediate coverage. We'll explain which option fits your situation.

No. One of the biggest advantages of Final Expense is that your premium is locked in for life. The amount you pay at age 65 is the same amount you'll pay at age 85 — even if your health changes. Your coverage amount also stays the same. This is a permanent whole life policy designed to last your entire life.

Final Expense is a small whole life policy ($5,000-$50,000) with simplified underwriting and no medical exam — designed specifically for older adults wanting to cover funeral costs. Traditional life insurance typically requires a medical exam, has higher coverage amounts ($100,000+), and is designed for income replacement during working years. Final Expense is faster, simpler, and more affordable for the specific purpose of burial coverage.

The death benefit is paid directly to your named beneficiary — typically within days of the carrier receiving the death certificate. The funds are paid as a lump sum, generally tax-free, and your beneficiary can use them however they choose: funeral expenses, medical bills, mortgage, debts, or simply to provide financial breathing room.

Nothing. It's free. As licensed independent agents, we're paid by the insurance carriers — not by you. Our consultation, quote comparison, application help, and ongoing service throughout the life of your policy costs you nothing extra. Your premium is exactly the same whether you apply with us or directly with a carrier.