If you don't have extra funds set aside in savings just for final expenses, your loved ones may struggle with coming up with the money needed to give you the service and burial they want after you have passed.

Leaving behind large debts can be crippling to family members. Florida final expense insurance enables families to properly grieve their loved ones without the burden of unplanned costs. 

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Final expense coverage is a whole life insurance policy that you purchase for a specific dollar amount ("face value"). You pay premiums periodically to keep the policy in force. If you die while the policy is still active, the insurance company pays the death benefit to the funeral home or individual(s) you named as the policy beneficiary(ies).

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There are many advantages to final expense insurance coverage. Some of the most popular advantages include the following:

- Permanent protection over a lifetime. Final expense coverage will stay in force, as long as you continue making premium payments as required under the policy.

- Premiums don't increase as you grow older. Your premiums are based on your age at the time you take out the policy, and remain steady for the life of the policy.
 

- Help protect loved ones from debts associated with the burial or funeral process. Final expense insurance coverage offers cash after you die that can be used to pay the cost of your funeral or memorial service, as well as the costs of cremation and/or burial.
 

- Tax-deferred cash value that builds over time. In addition to offering a fixed death benefit (the "face amount" of the policy), final expense insurance can also provide the option to accumulate cash value over time, inside the policy.
 

- Affordable premiums customized to fit their budget. Your policy, and the premiums you will pay, can be designed to fit your needs and available budget.