PolicySolutionsFinal Expense Insurance in Florida.
Final expense is a smaller whole life policy built to cover funeral, burial, and other end-of-life costs — often with no medical exam — approval is based on your answers to the health questions on the application. Licensed agents compare multiple carriers for Florida residents, so the recommendation fits your situation — not a single company's lineup.
Final Expense Insurance in Florida: the facts
Final Expense Insurance in Florida is available through PolicySolutions, a licensed independent agency (NPN 20612303) that compares 5 carriers for Florida residents. Coverage generally runs $2,000–$50,000 for issue ages typically 45–85, and Florida law gives you at least 14 days to review a new policy and cancel it for a full refund.
- Free-look period
- 14 days on a newly issued policy. Source
- State regulator
- Florida Office of Insurance Regulation — consumer help
- Licensing
- PolicySolutions is licensed in Florida; verify NPN 20612303 with the Florida Office of Insurance Regulation.
- Medical exam
- No medical exam for many applicants (simplified or guaranteed issue)
State facts verified 2026-07-20 against the cited authority. Rates and underwriting vary by carrier and applicant.
What final expense insurance looks like for Florida families
Real numbers depend on your age and health — here's the honest starting point.
What it's sized to cover
The national median funeral with viewing and burial runs about $8,300 (NFDA 2023 General Price List Study), or about $6,280 for a funeral with viewing and cremation. That figure excludes the cemetery plot, burial vault, monument/marker, and cash-advance items. Many Florida families size coverage to that, plus any final medical bills or small debts.
Burial insurance vs. final expense — what's actually different →
A common Florida scenario
For a 65-year-old in Florida considering $15,000 of coverage, a licensed agent compares carriers to find the lowest rate you actually qualify for. Because pricing depends on age and health, we confirm real numbers with you rather than post a teaser rate.
Final Expense Insurance in Florida: the local picture
Florida's life-insurance landscape
Florida's life insurance market is regulated by the Office of Insurance Regulation, which monitors insurer solvency, while the separate Department of Financial Services runs a consumer helpline that fields complaints and coverage questions. Florida's life-insurance solicitation statute is written so that insurers give buyers an unconditional refund period of at least 14 days after the policy is delivered rather than hand over the buyer's guide before taking a first premium — so a 14-day window is what Florida policies carry in practice; confirm the window printed in your own contract.
Your Florida consumer protections
Florida gives you a free-look period of at least 14 days to review a newly issued policy — return the policy inside that window — the clock starts when the policy is delivered to you, and some states also require a written cancellation request — for a refund of the premium you paid. Confirm the number and the return instructions printed in your own policy. The Florida Office of Insurance Regulation regulates insurers operating in the state and publishes consumer guides and complaint resources. You can independently verify any licensed agent or agency through the national NIPR producer database.
How final expense insurance works
- Coverage amount
- $2,000–$50,000
- Issue ages
- typically 45–85
- Medical exam
- No medical exam for many applicants (simplified or guaranteed issue)
- Premiums
- Level premiums that never increase; coverage lasts for life as long as premiums are paid
Final Expense Insurance in Florida — common questions
How much does a funeral cost in Florida?
The national median for a funeral with viewing and burial is about $8,300 (NFDA 2023 General Price List Study), and about $6,280 for a funeral with viewing and cremation. That figure excludes the cemetery plot, burial vault, monument/marker, and cash-advance items. Actual costs in Florida vary by provider and the arrangements you choose.
Do I need a medical exam to buy final expense insurance in Florida?
No medical exam for many applicants (simplified or guaranteed issue). A licensed agent in Florida can confirm which carriers approve you without one.
Is there a free-look period on a policy in Florida?
Yes. Florida gives you a free-look period of at least 14 days to review a newly issued policy. To cancel, return the policy to the insurer with a written cancellation request inside that window and you receive a refund of the premium you paid. Variable products may refund account value rather than premium, and the controlling number is the one printed in your own policy.
How much final expense insurance coverage can I get in Florida?
Coverage generally ranges from $2,000–$50,000, for issue ages typically 45–85. A licensed agent helps you size it to what you actually need.
Get a Florida final expense insurance quote.
No obligation. A licensed agent walks you through real Florida options and pricing based on your age, health, and goals.
Get qualified →