Final Expense Insurance: Orlando, FL
- Independent Brokers of Orlando
- Apr 14
- 2 min read
Updated: May 15
Life is unpredictable—but what happens after life shouldn’t be a financial burden on the people you love most.
That’s where Final Expense Insurance comes in. Also called burial insurance or end-of-life coverage, it’s one of the simplest and most affordable ways to protect your family from unexpected costs when you pass away.
💼 What Is Final Expense Insurance?
Final expense insurance is a small whole life insurance policy (typically $5,000 to $30,000) designed to cover:
Funeral and cremation expenses
Medical bills
Outstanding debts
Basic legal or estate costs
Unlike traditional life insurance, final expense plans are easy to qualify for, require no medical exam, and lock in premiums for life.
✅ Why Final Expense Coverage Makes Sense
Affordable Premiums
Rates are often low—especially if you apply before health conditions worsen. Most plans start at $30–$70/monthdepending on age, gender, and coverage amount.
Peace of Mind for Your Family
The last thing you want is to leave behind stress, debt, or a GoFundMe page. Final expense insurance ensures your family can focus on honoring your life—not scrambling to pay for it.
Guaranteed Acceptance Options
Even with health conditions, many carriers offer guaranteed issue policies (no health questions asked), especially for those aged 50–85.
Lifelong Protection
These are whole life policies, which means your coverage and premiums never change—and your policy won’t expire at age 80 like many term policies.
📊 Real Example
Let’s say you’re 65 years old, and you want $15,000 in coverage to handle your final expenses.
You could pay around $45–$60/month
No medical exam needed
Coverage is guaranteed for life
Your family receives the payout within days of your passing
