Best Burial Insurance Over 80 in Florida 2025

Best Burial Insurance Over 80 in Florida 2025

Finding **burial insurance over 80 in Florida** can feel overwhelming, but the good news is: it’s not too late. Whether you’re planning ahead or want to ease the financial burden on your loved ones, burial insurance—also called **final expense insurance**—can be a smart and affordable solution, even at age 80 and beyond.

At **Mintco Financial**, we specialize in helping seniors in Florida secure burial insurance plans tailored to their needs, age, and budget. We’re here to walk you through the best options available.

Why Burial Insurance Is Essential for Seniors Over 80

By the time you reach your 80s, traditional life insurance options may be limited or unaffordable. However, **burial insurance** is specifically designed to cover end-of-life costs like:

* Funeral and cremation expenses
* Medical bills or outstanding debts
* Legal fees or estate costs
* A final gift for loved ones

With **average funeral costs in Florida ranging from \$8,000 to \$12,000**, a burial insurance policy ensures your family won’t be left with these expenses during an emotionally difficult time.

Can You Still Get Burial Insurance After 80?

**Yes!** Many insurers offer **guaranteed acceptance burial insurance** to individuals even into their 80s. These policies usually:

* Do not require a medical exam
* Have a quick approval process
* Offer coverage amounts from \$2,000 to \$25,000
* Remain in force for life, as long as premiums are paid

Mintco Financial works with top-rated insurance carriers that offer final expense insurance to people aged **80 to 89**.

Best Features to Look for in Burial Insurance Over 80

When choosing a plan, here’s what you want to look for:

1. **No Medical Exam** – Most policies offer simplified underwriting or guaranteed acceptance.
2. **Fixed Premiums** – Your rate stays the same for life.
3. **Whole Life Coverage** – The policy never expires as long as payments are made.
4. **Fast Payouts** – Beneficiaries often receive funds within a few days.
5. **Trusted Carrier** – Work with financially stable insurance companies.

At Mintco Financial, we help you **compare multiple carriers** so you don’t overpay or get locked into a bad policy.

How Much Does Burial Insurance Cost at Age 80+?

Premiums increase with age, but many seniors over 80 are surprised by how affordable burial insurance can be. Here’s a rough idea of what you might expect to pay:

| Age | Coverage Amount | Monthly Premium (Male) | Monthly Premium (Female) |
| — | ————— | ———————- | ———————— |
| 80 | \$10,000 | \$120 – \$160 | \$100 – \$140 |
| 85 | \$10,000 | \$150 – \$200 | \$130 – \$180 |
| 89 | \$10,000 | \$180 – \$250 | \$160 – \$220 |

These are **estimates**—your actual rate will depend on your health, gender, and the carrier. We can help you find the most competitive rates in Florida.

Why Choose Mintco Financial for Burial Insurance Over 80?

We’re not just an insurance agency—we’re **independent fiduciary advisors**, which means we work in YOUR best interest.

Here’s what sets us apart:

* ✅ **Over 25 years of experience** helping Florida seniors
* ✅ Access to **top-rated burial insurance companies**
* ✅ No pushy sales—just honest advice
* ✅ Personalized help by phone or virtual meeting

We’ve helped hundreds of Florida residents over 80 secure peace of mind with the right burial policy. We can help you too.

Florida Burial Insurance Tips for Seniors Over 80

* **Act Now**: Premiums go up as you age—waiting even one year can significantly increase your cost.
* **Avoid Term Policies**: These may expire before you need them. Choose whole life or final expense coverage instead.
* **Be Honest on Applications**: Even with no medical exams, accurate answers ensure you qualify for the best rates.
* **Get Help from a Fiduciary**: Independent advisors like Mintco Financial have access to better plans than captive agents.

– Get a Free Quote Today

There’s no pressure, no medical exam, and no obligation. Just answers, options, and peace of mind.

Don’t wait. Lock in your rate and secure peace of mind for your family—**you’re never too old** to protect the ones you love.