Final expense insurance · Ages 50 to 85
Simple whole life coverage from $5,000 to $50,000 that helps pay for a funeral, burial or cremation and final bills. Roger compares top-rated companies to find you the lowest price your health allows.
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Free final expense quote
See your price in 3 taps
1Your age
2How much coverage?
3Your health
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Roger FishelYour independent agent. 20+ years helping Florida families.Why Florida families get their final expense coverage through Roger
Guaranteed acceptance whole life for ages 50 to 85. No health questions at all.
No needles and no doctor visits. Many people are approved over the phone.
Your premium never goes up and your coverage never goes down, as long as premiums are paid.
One local advisor helps you from start to finish. Your information is never sold.
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Florida final expense planning
A final expense policy works best when it fits the rest of your plan. These are the questions Florida families ask us most.
Life insurance is paid to the beneficiary you name, not through your will, so it does not wait on Florida probate. Families usually receive the money within days or weeks of filing a claim.
Get a final expense quoteA prepaid (preneed) funeral contract ties your money to one funeral home. A final expense policy pays cash to your beneficiary, who can use it for the funeral, medical bills or anything else, wherever you are.
Compare your optionsMedicare and Medicaid do not cover funeral or burial costs, and Social Security pays only a one-time $255 death benefit to an eligible spouse or child.
Read: Medicare plans in FloridaEligible veterans can receive burial in a national cemetery, and some qualify for a burial allowance. A small policy can cover what those benefits do not, such as the service and travel for family.
Read: Planning for veteransSimplified issue policies ask a few health questions and pay the full benefit from day one. Guaranteed issue policies ask none but usually limit the payout for natural death in the first two years.
See guaranteed issue optionsName a primary and a backup beneficiary, and keep the policy details with your will. If no beneficiary is living, the money can end up in probate after all.
Read: Florida estate planningWe help seniors in Orlando, Kissimmee, Lakeland, Tampa, Ocala and across Florida compare final expense coverage from multiple top-rated companies. See what final expense costs by age.
Final expense basics
How much does final expense cost?
For many healthy non-smokers, $10,000 of final expense coverage costs about $1 a day or less. The younger you are when you apply, the lower your price, and it stays locked in for life.
Your price depends on your age, health, tobacco use and the company. That is why we compare several top-rated companies for you.
Get My Exact Price| Age | Women, as low as | Men, as low as |
|---|---|---|
| 50 | $24/mo | $31/mo |
| 60 | $33/mo | $43/mo |
| 70 | $53/mo | $70/mo |
| 80 | $98/mo | $135/mo |
Sample monthly prices for $10,000 of simplified issue final expense coverage, non-tobacco, 2026 (Choice Mutual published rates, March 2026). Not quotes. Your price depends on your age, health, tobacco use and the company. Guaranteed acceptance coverage costs more.
Two ways to qualify
We check you for both kinds of coverage and show you the one that gives you the most protection for the lowest price.
For people in fair to good health
For people with serious health conditions
| Question | Simplified issue | Guaranteed issue |
|---|---|---|
| Health questions? | A few yes or no questions | None |
| Medical exam? | No | No |
| Can I be turned down? | Possibly, based on your answers | No, if you are within the age range |
| Full coverage starts | Day one with most plans | After 2 years (accidents covered day one) |
| Price | Lower | Higher |
Features vary by company and state. Coverage is subject to the policy terms and, for simplified issue, underwriting approval.
Your family decides
The money goes straight to the person you choose, not the funeral home, so they can use it wherever it is needed most.
How it works
Answer a few quick questions online or call us. It takes about two minutes.
Roger checks you for simplified and guaranteed issue plans and shows you the best price your health allows.
Many people are approved the same day, with no exam and no paperwork to mail.
No cost and no obligation to buy anything.
Frequently asked questions
It depends on your age, health, tobacco use and coverage amount. As a guide, 2026 prices for $10,000 of simplified issue coverage for non-smokers start around $24 to $31 a month at age 50 and $33 to $43 a month at age 60. A free quote shows your actual price.
They are the same thing. Final expense, burial insurance and funeral insurance are all names for a small whole life policy made to cover end-of-life costs.
Usually, yes. Many people with conditions like diabetes or high blood pressure qualify for simplified issue coverage. If not, guaranteed issue whole life accepts anyone in the age range, with no health questions.
Guaranteed issue whole life cannot turn you down for health reasons if you are within the age range, usually 50 to 85. In exchange, most plans have a 2-year waiting period: if death is not from an accident during that time, your beneficiary receives the premiums paid plus interest instead of the full benefit.
Most people choose $10,000 to $25,000, enough to cover a funeral and burial or cremation plus a cushion for medical bills and other final costs. We help you pick an amount that fits your plans and your budget.
No. Final expense is whole life insurance, so your premium is locked in when the policy starts and never goes up, and your coverage never goes down, as long as premiums are paid.
No. Simplified issue plans ask a few health questions, and guaranteed issue plans ask none. Neither requires a medical exam.
Many companies pay claims within days to a couple of weeks once they receive the death certificate and claim form, so your family is not left waiting.
Life insurance death benefits are generally income-tax-free to beneficiaries under federal law. Neither the firm nor its agents or representatives may give tax or legal advice.
Yes, with their knowledge and consent. Your parent applies and answers any health questions, and you can be the owner who pays the premium and the beneficiary who receives the benefit. Starting the conversation early usually means more coverage for less money.
It can be more flexible. A prepaid plan is tied to one funeral home, while final expense pays your beneficiary, who can use the money for any funeral home or any bill. We can walk you through both.
