What Is Cremation Insurance?
"Cremation insurance" is really a small final expense life insurance policy. When you pass away, it pays a lump sum — usually $5,000 to $35,000 — directly to the person you name. Your family uses it to pay for cremation, a funeral, medical bills, or anything else they need.
It is not a preneed cremation contract. You are not pre-paying a funeral home. You own a life insurance policy, and your family keeps control of the money.
Why Florida Families Buy It
A direct cremation in Florida typically costs $1,000 to $5,000, and a traditional burial often runs $7,000 to $12,000. Those are starting ranges — prices change over time and every funeral home charges differently. Without a plan, the bill lands on your children or spouse, usually within days.
A final expense policy turns that surprise bill into a handled one. Your family files one claim and gets the money, often within days of filing.
Honest note about prices: insurance premiums change, every applicant is different, and the numbers on this site are starting points. Your written offer from the carrier — after underwriting — is the real price. Nothing here is a quote or a promise of coverage.
How It Works — Three Simple Steps
- Talk or apply (15-20 minutes). Call or fill out the quote form. We ask about your age, health history, tobacco use, and how much coverage you want.
- Get approved. Most applicants skip the medical exam — approval is based on your answers and a prescription/database check. Some policies approve the same day.
- Your family is protected. Premiums are fixed — they never go up. Coverage never goes down as long as premiums are paid.
What Most Policies Include
- Fixed premiums — the monthly price you start with is the price you keep.
- Whole life — coverage lasts your entire life, not just 10 or 20 years.
- Cash value — the policy slowly builds savings you can borrow against.
- No medical exam for most applicants ages 50-85.
- Florida 10-day free-look — cancel within 10 days of receiving your policy for a full refund.
Who You'll Talk To
You'll talk to me — Serge Augustin, a licensed Florida agent (FL License G231352, NPN 21565385). I've helped more than 400 seniors with Medicare and health coverage, and I help families set up final expense protection. No call centers, no pressure — just straight answers.
Frequently Asked Questions
Is cremation insurance the same as life insurance?
Yes. "Cremation insurance" is a marketing name for a small whole-life insurance policy meant to cover final expenses. It works exactly like life insurance: you pay premiums, and when you pass away, your beneficiary receives a tax-free lump sum.
Do I need a medical exam?
Usually not. Most final expense policies for ages 50-85 use simplified underwriting — you answer health questions on the application. No needles, no nurse visit. Guaranteed-issue policies ask no health questions at all.
How much does it cost per month?
It depends on your age, health, tobacco use, and coverage amount. As a rough starting range, a healthy 65-75 year old non-smoker might see $25-$45/month for $5,000 of coverage or $45-$85/month for $10,000. These are illustrative ranges, not quotes — your actual premium comes from the carrier's underwriting.
Will my premiums go up as I get older?
No. Final expense policies are whole life, which means the premium is locked at the age you buy. It never increases.
Can my family use the money for anything besides cremation?
Yes. The death benefit is paid to your beneficiary as cash. They can use it for cremation, a funeral, medical bills, credit cards, or anything else.
What if I already have life insurance through work?
Work policies usually end when you retire or leave the job. A final expense policy is yours personally and stays with you for life, as long as premiums are paid.