Best Burial Insurance in Florida (2026): Rates & Companies
Published on June 3, 2026 last updated on June 3, 2026California aside, Florida has one of the largest senior populations in the country — and burial insurance here is fast and easy to get. These no-exam whole-life policies cover funeral costs, a plot, and final expenses, and the coverage never expires as long as you pay the premium. Here is what Florida residents should know.
How much does burial insurance cost in Florida?
Rates depend on your age, gender, tobacco use, and health — not where you live in the state. A healthy non-smoker buying $10,000 typically pays:
| Age | Monthly (non-smoker) |
|---|---|
| 60 | ~$33–$45 |
| 65 | ~$42–$56 |
| 70 | ~$52–$75 |
| 75 | ~$71–$98 |
| 80 | ~$96–$130 |
The average funeral with burial in Florida runs roughly $8,000 to $9,500 with a plot and headstone, so $10,000 to $15,000 is the most common coverage choice for Florida seniors.
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Best burial insurance companies for Florida residents
We compare 25+ carriers licensed in Florida, including Mutual of Omaha, Aetna, AFLAC, Transamerica, American Amicable, Gerber Life, and Royal Neighbors. There is no single “best” company — the lowest rate depends on your exact age and health. That is why shopping with an independent broker, instead of buying direct from one carrier, almost always wins.
Types of plans available
- Level (day-one) coverage — the full benefit is paid from the first day. Best rates, for applicants in reasonably good health.
- Graded benefit — for common health conditions; the full benefit builds over the first two years.
- Guaranteed issue — no health questions and guaranteed approval for ages 50–85, with a two-year graded period.
Florida burial insurance FAQ
Do I need a medical exam?
No. Every plan we offer is no-exam. You answer a few health questions by phone and approval is often same-day.
Is there a waiting period?
If you qualify for level coverage, the full benefit applies from day one. Certain health conditions place you in a graded or guaranteed-issue plan with a two-year graded period.
How much coverage do I need?
Most Florida families choose $10,000 to $15,000 to cover funeral costs, a plot, and final bills. Our free coverage calculator can help you find the right amount.
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No medical exam. No obligation. Compare 25+ top-rated carriers.
Written by Phillip Chin, licensed final expense specialist (NPN #8895251), licensed in all 50 states. We compare 25+ top-rated carriers to find your lowest rate — at no cost to you.