Simple choices that fit your goals—final expenses, spouse protection, and legacy—without breaking the budget.
We compare multiple A-rated carriers for Florida residents ages 60–85 (and beyond), including no-exam and guaranteed-issue options.
Who This Is For
- Final expenses: Cover funeral/cremation and last bills.
- Spouse protection: Replace a lost Social Security check or pension option.
- Legacy giving: Leave a gift to children, grandchildren, or a favorite cause.
- Estate liquidity: Provide cash to settle an estate or equalize inheritances.
- Living benefits (when available): Access part of the death benefit for chronic/critical illness.
Your Florida Options
Final Expense Whole Life (Simplified Issue)
Popular for ages 60–85. Level premiums, lifelong coverage, and a short health questionnaire (usually no medical exam). Typical coverage: $10,000–$25,000 (sometimes more).
Guaranteed-Issue Whole Life
No health questions: acceptance guaranteed. Great for complex health histories. Expect a two-year graded period for non-accidental death (premiums + interest returned); accidental deaths are usually covered day one.
Term Life (Selective at Older Ages)
Best for a known time window (e.g., years left on a mortgage). Lower initial cost for larger coverage amounts. Watch renewals; look for conversion options to permanent coverage if your health changes.
Permanent Universal Life / Guaranteed Universal Life (GUL) / Whole Life
Lifetime coverage with predictable premiums when funded properly. Good for legacy planning and spouse protection. GUL often balances long-term certainty with cost efficiency if cash value growth isn’t your priority.
Illustrative Florida Examples (Not Quotes)
- Final Expense: Age 70–80 choosing $10k–$25k for funeral and small debts.
- Spouse cushion: $50k–$150k to offset the loss of a second Social Security check.
- Over 80: Many seniors right-size to $10k–$20k for affordability and permanence.
Pricing varies by age, health, tobacco status, coverage amount, and carrier rules. We’ll shop multiple A-rated carriers to find a fit.
Underwriting Paths
- Simplified issue: Health questions, no exam, fast decisions.
- Guaranteed-issue: No questions, no exam; two-year graded period for non-accidental death.
- Full underwriting (optional): If you’re healthy and want a larger face amount, a brief exam/labs may reduce cost.
Where We Help in Florida
Statewide and virtual: Tampa Bay (Tampa, St. Pete, Clearwater), Orlando, Jacksonville, Miami–Fort Lauderdale, Sarasota, Gainesville, Tallahassee, and beyond.
How to Get Covered (3 Steps)
- Compare: We gather options from multiple A-rated carriers.
- Review: 10–15 minutes by phone to confirm budget, health, and benefits.
- Apply: Quick e-application; many approvals are same-day to a few days.
Florida Seniors: FAQs
Can I qualify at 80 or 85 in Florida?
Often, yes. Many carriers issue into the early 80s. If health is complex, guaranteed-issue coverage is still available (with a two-year graded period for non-accidental death).
Is a medical exam required?
Not necessarily. Simplified-issue and guaranteed-issue options avoid the exam. If you’re healthy and want a larger face amount, full underwriting may lower cost.
How much coverage do most Florida seniors choose?
Final expenses: typically $10k–$25k. For spousal income or legacy, $50k–$250k+, depending on goals and budget.
What is a graded death benefit?
During the first 24 months on many guaranteed-issue policies, non-accidental deaths usually return premiums paid plus interest. Accidental deaths are often fully covered from day one. Terms vary by carrier.
How fast can I start?
Many simplified/guaranteed-issue policies can be approved quickly—sometimes the same day once your e-application is submitted.
Not an offer of coverage. Features/availability vary by carrier and Florida regulations. Policy and rider charges apply.