fbpx

Final Expense Insurance Made Easy for Florida Residents!

Final Expense Insurance Florida

Florida is a very popular state for retirees. In fact, it’s the number 1 in the US. And we understand why! For many seniors who have spent most of their lives in colder climates (oftentimes in the Northeast or Midwest), the warm climate and sunny beaches of Florida can be incredibly appealing… (not to mention the lower taxes!) We assist seniors all across the country with their insurance needs every day. In this article we will go over helping Florida residents get high quality, affordable Final Expense Insurance.

Data from the 2014 US Census Bureau showed that the net migration of folks over 60 years old moving to Florida was 57,724, followed by Arizona with 18,733. While the warm weather is certainly a draw for folks retiring in Florida, taxes are also a big component in this decision. Along with Florida, 3 out of the other top 10 most popular retirement states have no state income taxes.

Why Final Expense Insurance is Such an Important Thing to Have in Place

Let’s be real… Nobody really wants to think about their own passing. But unfortunately, death is as much a part of life as life itself.

Maybe you thought about getting a term life insurance plan years ago when your children where young, but you never got around to it. Or maybe you did get around to it, but now realize you are going to outlive the policy and your beneficiary could get nothing. Yikes!

This is where Final Expense Insurance comes in. This type of insurance is simply a small whole life policy that ensures that your loved ones won’t be burdened financially with the far to expensive costs of a funeral. The amount of coverage people get is typically between $5,000 to $25,000 in coverage.

The last thing you want is to leave your family behind, wondering how they are going to have a proper service for you and digging into their savings (if they have any) or racking up tons of high interest credit card debt in order to pay for the costs.

Later in this article, we will share some state specific statistics regarding health in Florida and explain how to get excellent, affordable final expense insurance that will give you peace of mind, knowing you will not be leaving your loved ones behind empty handed.  

The Average Cost of Burial and Cremation in Florida

These days, it’s not uncommon for the average funeral anywhere in the country to cost up to $12,000. But we will give you some averages for the state of Florida here. Remember, though that these are averages and every family reacts differently during times of tremendous grief.

On average, a burial (just the burial) in Florida costs $6,501. A wooden casket will typically run you $2,984, transportation $325, a private viewing $200 and embalming $725. That brings the average cost of a traditional funeral in Florida to $10,700. An average cremation with services in Florida runs about $3,397. An urn averages an extra $275, bringing the cost to $3,672.

Regardless of whether you plan to be buried or cremated, this is a lot to ask of your family as they are grieving your loss. Especially when you can get covered now for as low as $19.95/mo.

Shopping for Burial Insurance in Florida

Final Expense Insurance can be very confusing, but really it isn’t. Some of the confusion stems from the big-name advertisers out there shoving it down your throat with inconsistent messaging regarding the amount of coverage you need and the cost associated.

We are here to let folks in Florida that you don’t need to run to one these companies to get the best final expense insurance (in fact you shouldn’t). You probably know who we are talking about… Colonial Penn Final Expense Insurance, Gerber Life Final Expense Insurance, AARP Final Expense Insurance, Globe Life Final Expense Insurance, John Hancock Final Expense Insurance and State Farm Final Expense Insurance, to name a few.

They are all reliable, well established institutions. So, you might be inclined to just go with one of these companies and get it done with. But we encourage you to think twice before doing that. Getting a final insurance policy is a major decision, and you should know your options. Afterall we don’t expect you to be an insurance policy genius

Captive vs Independent Agents

The agent you will be working with if you decide to go with one of these companies is what is known as a “captive agent”. This means that they only represent the insurance company that they work for, be it Colonial Farm, State Farm, Gerber Life or any of the others.

We are what’s known as an independent agency. With us, the agent who will help you get final expense insurance in Florida is what’s known as an “independent agent”. The difference with working with an independent agent is that we offer you a variety of exceptional final expense insurance plans from various carriers. Essentially, this means that we are able to get you the best monthly rates and an individualized plan.

What Makes Florida Such a Great Place to Live in or Retire?

We talked briefly about what makes Florida so attractive to retirees. The weather, beaches, tax climate. But there are so many reasons for people of any age to want to live in the Sunshine State.

South Beach Miami Florida

The 10 Best Reasons to Relocate to Florida

Colonial Van Lines put together a list of the top 10 reasons to move to the Sunshine State.

  1. Sun, Sun, Sun: It goes without saying that Florida’s weather is one of her most endearing qualities.
  2. Best Beaches in America Including: Key West, Clearwater Beach, Sanibel Island, Captiva Island, Palm Beach, Siesta Key, Naples, South Beach, Delray Beach and Atlantic Beach
  3. Hidden Springs & Underwater Caves: If you’re not already packing your bags and moving to Florida after daydreaming about the tantalizing beaches, then surely the freshwater springs (of which Florida has about 900) will hook you.
  4. Disney World: One of the most iconic amusement parks worldwide is located right in the heart of Florida.
  5. Food, Fizz and Fun: When you consider moving to Florida, take into account that the gorgeous sub-tropic weather means there is ample opportunity year-round for parties, festivals, farmer’s markets, parades, weddings, receptions, and various other outdoor events.
  6. Fresh Stone Crab: Since 1913, Joe’s Stone Crab has been buying more stone crab than anywhere else in the world.
  7. Dream Homes: Florida’s housing market is booming. If you’ve ever been considering moving to Florida, now might be the time to pull the trigger.
  8. No State Income Tax: Yes, you read that correctly. Florida has no state income tax.  Also, rates for sales and property taxes are very low.
  9. Sports Fanatic’s Paradise: Did you know Florida is home to ten professional sports teams?
  10. Culture Galore: An international hub, Florida is home to such a diverse range of cultures.
florida flag

Florida Health Statistics

Read on to learn some important state specific health related statistics involving Florida. We will also go over getting the very best Final Expense insurance coverage in Florida and detail how funeral insurance can help protect you and your loved ones.

  Leading Causes of Death in Florida

Rank Cause of DeathTotal Deaths
1Heart Disease46,440
2Cancer45,131
3Accidents13,059
4Chronic Lower Respiratory Disease 12,619
5Stroke12,602
6Alzheimer’s Disease6,980
7Diabetes6,172
8Suicide 3,227
9Kidney Disease3,172
10Chronic Liver Disease/Cirrhosis3,098

(note: these statistics are taken from the CDC website and the data is for the year of 2017. Keep in mind that these numbers vary from state to state due to population and state rank across the U.S.)

Life Expectancy in Florida

The average life expectancy in Florida was 80 years (in 2018). Overall, Florida ranked #11 in average life expectancy across all U.S. states. That was an increase of 0.6 from 2010 when the average life expectancy was 79.4 years old. You must be doing something right Floridians!

Florida has a pretty high ranking amongst other U.S. states in terms of life expectancy. It would seem as though this might have a positive impact on burial insurance rates for Florida residents, but it doesn’t. We treat each customer as an individual who deserves the same excellent service and competitive rates we provide to all Americans.

The Final Expense Insurance We Provide for Those in Florida

At Insurance for Final Expense, we work with a large pool of the best final expense insurance carriers with tons of plans and options… We are able to do this for our clients because we are an independent funeral insurance agency. 

We only work with only the very best insurers, like Mutual of Omaha Burial Insurance,  Liberty Bankers Life, Royal Neighbors Insurance, Prosperity Life Group, AIG, Great Western Insurance Company and Sentinel Security Life and more. Review all our all of our burial insurance reviews on our website.

Getting the Best Final Expense Insurance Policy in Florida

You’ve certainly come to the right place! To find the best choice in final expense insurance in Florida, it is so very important that you work with an independent agency who represents a variety of burial insurance companies. We hope you don’t, but if you go with one of the big-name advertisers like Colonial Penn, Gerber Life Insurance, John Hancock, or State Farm, know that you are comitting to one burial insurance product, whereas we are able to give you multiple affordable, excellent final expense insurance options.

We are here to serve YOU, never to sell you. It is our objective to help you effectively see the entirety of your choices and never to drive you into a plan that doesn’t suit you. Our way of thinking is, consistently has been, and will remain, client first.

If you need help with guaranteed issue or final expense insurance, it would be our honor to assist you. Please call us at 1-800-400-8319. If you would rather that we call you, just fill out the quote form on this page and a licensed agent will be in touch with you promptly.