Final expense insurance in Florida

NFDA doesn't publish funeral prices by state. Nationally, the median cost of a funeral with viewing and burial was $8,300 in 2023, and $6,280 for a funeral with viewing and cremation. Cemetery costs such as a plot, vault, and headstone are extra, and prices vary widely between funeral homes.

In Florida, about 69.2% of deaths resulted in cremation as of 2020. Source: NFDA 2025 Cremation & Burial Report – state table (2020 final data), via Montana Legislature

Federal law (the FTC Funeral Rule) requires funeral homes to give you an itemized price list, so you can compare. Estimate your own total with our funeral cost calculator.

If a life insurer licensed in Florida becomes insolvent, the Florida Life & Health Insurance Guaranty Association (FLAHIGA) covers up to $300,000 in death benefits and $100,000 in cash value per insured life. Source: Florida Life & Health Insurance Guaranty Association – Frequently Asked Questions

You have 14 days after receiving a new individual life insurance policy to review it and return it for a refund (Minimum period, counted from when the policy is in your hands). Source: Florida Department of Financial Services – Life Insurance Guide

Questions or complaints about an insurer or agent go to the Florida Department of Financial Services, Division of Consumer Services (877-693-5236). Funeral homes are licensed by the Florida Division of Funeral, Cemetery, and Consumer Services (Department of Financial Services).

Under Florida law, when unclaimed remains that must be buried or cremated at public expense are not accepted by the state anatomical board, the board of county commissioners (or its designated county department) where the death occurred or the remains were found may arrange burial or cremation, and each county may set its own policies by resolution or ordinance. Source: Florida Statutes § 406.50 – Unclaimed remains; disposition, procedure

Veterans may qualify for VA burial allowances and a free burial in a national or state veterans cemetery — see benefits for Florida veterans. A small final expense policy is one way families make sure the rest is covered; learn how final expense insurance works and how guaranteed issue waiting periods work.