Life Insurance for Seniors in Florida

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)

1. Compare: We gather options from multiple A-rated carriers.
2. Review: 10–15 minutes by phone to confirm budget, health, and benefits.
3. 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.