Licensed in Florida

Florida Families Deserve Peace of Mind.

With over 4.5 million seniors across Miami, Orlando, Tampa, and Jacksonville, Florida is home to one of the largest final expense markets in the country. Protect your family from funeral costs of $8,000–$12,000 — with coverage that requires no medical exam and locks in your rate for life.

Ages 45–85 Accepted

Level Premiums for Life

No Medical Exam

Get Your Free Florida Quote

Takes less than 60 seconds. No obligation.

Step 1 of 2

ZIP Code

Date of Birth

Coverage Amount

✅ Thank you! A licensed Florida agent will contact you within 24 hours.

Your information is 100% private and secure.

Prefer to talk? Call us: (469) 722-3766

A licensed agent answers in under 60 seconds.

Built for Florida

Why Florida Families Choose Us

We understand the unique needs of Florida's retirees, multi-cultural communities, and active senior population.

☀️

Serving All of Florida

From Miami-Dade and Broward to Orlando, Tampa Bay, and Jacksonville — we work with Florida seniors statewide, including Spanish and Creole-speaking families.

🛡️

Coverage That Matches Florida Costs

Florida funeral costs average $8,000–$12,000. Our plans from $5,000 to $50,000 are designed to cover every expense — so your family keeps every dollar you leave them.

💛

No-Medical-Exam Coverage

Most Florida seniors age 45–85 can qualify regardless of health history. No bloodwork and no physicals — guaranteed-issue plans ask no health questions, and some carry a graded benefit period. Just fast, dignified coverage.

Simple Process

3 Steps to Peace of Mind

No paperwork marathon, no pushy sales — just a quick, friendly path to coverage.

Request Your Quote

Fill out the short form above — under 60 seconds, no medical exam, no obligation.

Talk to a Licensed Florida Agent

A licensed agent calls to compare your best plan options and answer every question — at no cost.

Lock In Your Coverage

Pick the plan that fits your budget and your family is protected — often the very same day.

Florida Coverage You Can Count On

Serving Every Florida Community

From Miami to Pensacola, Tampa to Jacksonville — we're licensed to protect Florida families statewide.

Florida has one of the largest senior populations in the nation — more than 1 in 5 residents is 65 or older. That makes planning ahead for final expenses more important here than almost anywhere else in the country.

Whether you're in a major metro like Miami, Orlando, Tampa, or Jacksonville, a retirement community along the Gulf Coast, or a small town in the Panhandle, your family deserves the same dignified protection — and we proudly serve Spanish and Creole-speaking families too.

Final expense insurance fills a critical gap. Social Security pays a one-time death benefit of just $255 — a tiny fraction of what a Florida funeral actually costs. A policy of $10,000–$20,000 can cover the funeral, burial, and any remaining medical bills completely.

4.5M+

Florida seniors — among the most in the U.S.

$255

Social Security burial benefit (nowhere near enough)

Medical exam required to qualify

Common Questions

Quick Answers for Florida Families

The questions we hear most, in plain English — before you ever talk to an agent.

Do I really not need a medical exam?

Correct — none of the products we quote require a medical exam, blood test, or doctor visit. Some plans ask a few yes/no health questions; others ask none at all. A licensed agent matches you to a plan that fits your health profile.6

Will my premium ever go up?

No. The whole-life final expense policies we write are level-premium — once your monthly rate is locked in, it stays the same for life, regardless of age or changes in health.2

Is there a waiting period before coverage starts?

It depends on the plan. Simplified-issue policies (a few yes/no health questions) typically pay the full benefit from day one. Guaranteed-issue policies (no health questions) usually carry a 2-year graded-benefit period during which natural-cause death returns premiums plus interest; accidental death is covered immediately.8

What if I have pre-existing health conditions?

Pre-existing conditions don't disqualify you. If a simplified-issue plan isn't a fit, a guaranteed-issue plan accepts every applicant in the eligible age range with no health questions. After the 2-year graded period, you have full coverage for life.

How fast will my family receive the benefit?

Once the carrier receives a certified death certificate and any required forms, most A-rated final expense carriers release funds to the beneficiary within several business days — often as quickly as 24–72 hours.7

Have more questions? Read the full FAQ or request a callback from a licensed Florida agent.

Product Disclosures

Issue-age eligibility varies by carrier and product. Most carriers offer final expense products to applicants ages 45–85; some offer products outside that range.
"Level premium" means premiums do not increase due to age on most whole life final expense products. Graded and modified benefit plans may apply during the first 2–3 policy years. Premiums are guaranteed level only as stated in your policy contract.
Coverage continues for the life of the insured as long as premiums are paid on time. Policies may lapse if premiums are unpaid past the grace period. See your specific policy contract for all terms.
Response time reflects typical outreach after a quote request during normal business hours and is not a guarantee of policy approval time.
Carrier financial-strength ratings are assigned to insurers, not to PremierFinalExpense. Ratings are current as of each carrier's most recent publication and are subject to change.
Guaranteed-issue plans require no medical exam and no health questions. Simplified-issue plans typically ask a few yes/no health questions but still require no medical exam. Product availability varies by state and applicant age.
Claim payout timelines vary by carrier and depend on receipt of a certified death certificate and complete claim documentation. Most carriers release funds within several business days once claim requirements are met.
Guaranteed-issue policies typically include a 2-year graded-benefit waiting period during which, if the insured dies of natural causes, the benefit paid is a return of premiums plus interest rather than the full face amount. Accidental death is typically covered from day one. Exact terms vary by carrier and state.