Families in Sunrise earn a median $83,926 a year, and the typical owned home is worth $394,400. A simple rule puts the need for a typical family here at about $1,100,000. Term life is usually the lowest cost way to get there.
Sunrise by the numbers
- Median household income
- $83,926Higher than the Florida median of $77,735
- Typical home value
- $394,400Close to the Florida median of $396,900
- Homes owned
- 69%65% of owned homes have a mortgage
- Households with kids
- 31%33,920 households in all
- Age 65 and older
- 17%Median age 38.8
- Veterans
- 1,5422% of adults
Living in Sunrise
Sunrise is one of 31 Florida cities with more than 100,000 people, with 100,131 residents and a median age of 38.8. That is younger than the state as a whole, so more families here are in the years when term life matters most.
The median household here earns $83,926, close to the US median of $81,604. The typical home costs about 4.7 times that income.
Compared with nearby Plantation (3 miles away), homes in Sunrise are worth less ($394,400 vs $608,900), and more households have kids at home.
The biggest hands on job group here is teaching, at 9.4% of workers. Work coverage usually ends when you leave the job, so a policy you own stays put.
Who works in Sunrise
The biggest groups of hands on and front line jobs here, as a share of all workers. Some of these jobs can change your price, and some companies treat them better than others.
What fits families in Sunrise
65% of owned homes in Sunrise still have a mortgage. If your family would struggle to make that payment without you, size a policy to the loan. More on mortgage protection
31% of households here have kids under 18. Term life covers the years they depend on you for the lowest price. More on term life
17% of people in Sunrise are 65 or older, lower than the Florida rate. A small policy keeps funeral costs off the family. More on final expense
About 1,542 veterans live in Sunrise. VGLI is not your only choice. More on veterans
Final expense and burial insurance in Sunrise
About 17,000 people in Sunrise are 65 or older. A small final expense policy, also called burial insurance, pays for the funeral so the family does not have to.
| Age | Women, $10,000 | Men, $10,000 |
|---|---|---|
| 60 | $33 | $43 |
| 70 | $53 | $70 |
| 80 | $98 | $134 |
National sample rates, Choice Mutual, Rates valid as of March 9, 2026. Not a quote. Funeral costs and help in Florida
Florida rules that protect you
- Free look: set by policy
- Grace period: 30 days if you miss a payment
- Guaranty protection: up to $300,000 in death benefits
- Help line: Florida Department of Financial Services, Division of Consumer Services, 1-877-693-5236
Common questions in Sunrise
How much life insurance do I need in Sunrise?
A quick rule of thumb: 10 years of income plus what you owe on your home. With Sunrise's median household income of $83,926 and a typical home value of $394,400, that lands near $1,100,000 for a typical family. Your number depends on your debts, kids and savings. Our calculator does the math.
Can I get life insurance in Sunrise without a medical exam?
Often, yes. Many companies approve healthy people with health questions and records instead of an exam. Older buyers can also look at simplified issue or guaranteed issue final expense plans.
Do I need an agent licensed in Florida?
Yes. An agent must hold a Florida license to sell you a policy. You can check a license with the Florida Department of Financial Services, Division of Consumer Services at 1-877-693-5236.
Source: Florida Department of Financial Services, Division of Consumer Services
What does a funeral cost near Sunrise?
Local prices vary by funeral home. Nationally, the median funeral with viewing and burial was $8,300 in 2023, and $6,280 with cremation (NFDA). Under the FTC Funeral Rule, any funeral home in Sunrise must give you an itemized price list.
Source: FTC Funeral Rule · NFDA price study
What happens if my insurance company fails in Florida?
The Florida Life & Health Insurance Guaranty Association protects Florida policyholders up to $300,000 in death benefits, per insured person.
Source: Florida Life & Health Insurance Guaranty Association · NOLHGA: how you are protected
Near Sunrise
Plantation (3 mi), Davie (7 mi), Coral Springs (7 mi), Fort Lauderdale (7 mi), Pompano Beach (9 mi), Hollywood (11 mi)
Sources
- Census ACS 2024 1 year estimates, table based summary file
- Census 2024 Gazetteer place file
- 2023 NFDA General Price List Study Shows Inflation Increasing Faster than the Cost of a Funeral (NFDA)
- Florida Department of Financial Services, Division of Consumer Services
- Florida Life & Health Insurance Guaranty Association
Local numbers are Census American Community Survey 2024 one year estimates for Sunrise, FL. The coverage figure is a rule of thumb, not advice.
