---
title: Final Expense Insurance in Florida: Rates by Age | Coverfolk
url: https://coverfolk.com/states/florida/final-expense
updated: 2026-10-08
---

# Final expense insurance in Florida

Burial insurance for Florida seniors. Sample rates by age, Florida rules that protect you, and what funerals cost.

Updated October 8, 2026[Fact checked](/editorial-standards)

The short answer

About 5,095,000 people in Florida are 65 or older. A $10,000 final expense policy is a common pick. In a published national sample, that costs $33 to $134 a month between ages 60 and 80.

## Sample $10,000 rates by age

| Age | Women | Men |
| --- | --- | --- |
| 50 | $24 | $31 |
| 55 | $28 | $36 |
| 60 | $33 | $43 |
| 65 | $41 | $54 |
| 70 | $53 | $70 |
| 75 | $71 | $97 |
| 80 | $98 | $134 |
| 85 | $136 | $193 |

National sample from Choice Mutual, Rates valid as of March 9, 2026. Not a Florida quote.

## Florida rules

Free look
:   Set by policy

Grace period
:   30 days

Guaranty protection
:   $300,000

Help line
:   1-877-693-5236Florida Department of Financial Services, Division of Consumer Services

## What a funeral costs

Nationally, the median funeral with viewing and burial was $8,300 in 2023. With cremation it was $6,280. Cemetery costs are extra. [Add up your own](/funeral-cost-calculator).

## Florida cities with the most seniors

[Palm Coast 30% 65+](/states/florida/palm-coast)[Clearwater 27% 65+](/states/florida/clearwater)[Spring Hill 26% 65+](/states/florida/spring-hill)[Cape Coral 24% 65+](/states/florida/cape-coral)[Boca Raton 24% 65+](/states/florida/boca-raton)[Port St. Lucie 24% 65+](/states/florida/port-st-lucie)[West Palm Beach 22% 65+](/states/florida/west-palm-beach)[St. Petersburg 22% 65+](/states/florida/st-petersburg)

## Common questions

How much is final expense insurance in Florida?

It depends on your age, health and tobacco use. A published national sample puts a $10,000 policy at $41 a month for a 65 year old woman and $54 for a 65 year old man. Prices in Florida may differ.

Is burial insurance the same as final expense in Florida?

Yes. Burial insurance, final expense and senior life are names for the same kind of small whole life policy.

Source: [FTC Funeral Rule](https://consumer.ftc.gov/articles/ftc-funeral-rule) · [NFDA price study](https://content.nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral)

Can I return a final expense policy in Florida?

No general free look period for individual life found in Florida law. On a replacement, if the buyer's guide and policy summary are not given before the first premium is taken, the policy must allow an unconditional refund for at least 10 days (Fla. Admin. Code 69O-151.007(3)(d)).

Source: [Florida free look law](https://www.law.cornell.edu/regulations/florida/Fla-Admin-Code-Ann-R-69O-151-007)

What if I am turned down for health reasons?

Guaranteed issue plans ask no health questions. They usually have a waiting period of about 2 years before the full benefit pays for a death from illness.

## Sources

1. [Choice Mutual, $10,000 Life Insurance Rates](https://choicemutual.com/life-insurance-cost/10000/)
2. [2023 NFDA General Price List Study Shows Inflation Increasing Faster than the Cost of a Funeral (NFDA)](https://content.nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral)
3. [Census ACS 2024 1 year estimates, table based summary file](https://www2.census.gov/programs-surveys/acs/summary_file/2024/table-based-SF/)
4. [Census QuickFacts Florida (ACS 2020-2024)](https://www.census.gov/quickfacts/fact/table/FL/PST045224)
5. [NOLHGA: How You're Protected (coverage as of June 1, 2025)](https://nolhga.com/policyholders/how-youre-protected/)
6. [NOLHGA: Contact My Guaranty Association](https://nolhga.com/policyholders/contact-my-guaranty-association/)
7. [NAIC Model Law Chart LI-30, Life Insurance Disclosure (Fall 2023)](https://content.naic.org/sites/default/files/model-law-chart-li-30-life-insurance-disclosure-provisions.pdf)