What Is Cremation Insurance?
"Cremation insurance" is a small final expense life insurance policy. When you pass away, it pays money — most plans pay $5,000 to $35,000 — to the person you name. That person is called your beneficiary. Your family can use the money 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. We sell insurance. We do not sell preneed contracts.
Why Florida Families Buy It
When someone passes, the bills come fast. The funeral home wants payment within days. Without a plan, that bill lands on your children or your spouse.
A final expense policy turns that shock into a handled bill. Your family files one claim. They get the money, often within days.
An honest note: premiums differ for every person. Your age, health, and habits set your price. The carrier's written offer — after its review of your application — is the real price. Nothing on this site is a quote or a promise of coverage.
How It Works — Three Simple Steps
- Talk or apply (15 to 20 minutes). Call or fill out the quote form. We talk about your age, health history, tobacco use, and how much coverage you want.
- Get approved. Most people skip the medical exam. Approval is based on your answers plus a prescription and records check. Some plans 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 Plans Include
- Fixed premiums — the monthly price you start with is the price you keep.
- Whole life — coverage lasts your whole life. It does not end after 10 or 20 years.
- Cash value — the plan slowly builds a small savings amount you can borrow from.
- No medical exam for most people ages 50 to 85.
- Florida 14-day free-look — a trial period. Cancel within 14 days of getting your policy for a full refund.
Who You Will Talk To
You will talk to me — Serge Sendji Augustin. I am a licensed Florida agent (FL License G231352, NPN 21565385). I have helped more than 400 seniors with Medicare and health coverage. Now I help Florida 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 sales name for a small whole-life policy meant to cover final costs. It works like life insurance: you pay premiums, and when you pass away, your beneficiary gets a lump sum.
Do I need a medical exam?
Most often, no. Most final expense plans for ages 50 to 85 use simple underwriting — you answer health questions on the form. No needles. No nurse visit. Guaranteed-issue plans ask no health questions at all.
What will my monthly price be?
It depends on your age, health, tobacco use, and coverage amount. I cannot give you a real number until I know those facts — anyone who quotes a price without asking your age is guessing. Call me and I will run your real numbers, free.
Will my premiums go up as I get older?
No. Final expense plans are whole life. The premium is locked at the age you buy. It never goes up.
Can my family use the money for anything besides cremation?
Yes. The money is paid to your beneficiary as cash. They can use it for cremation, a funeral, medical bills, or anything else.
What if I already have life insurance through work?
Work plans often end when you retire or leave the job. A final expense policy is yours. It stays with you for life, as long as premiums are paid.