Can I get burial insurance with pre-existing conditions in Florida?
Yes. Simplified issue policies accept many pre-existing conditions like diabetes and high blood pressure. Guaranteed issue policies accept all applicants.
Who this applies to
It turns on your circumstances, not a general rule: where you are, what is already in place, and the dates involved.
Local context for Statewide Florida
Guaranteed issue policies accept all applicants but include a 2–3 year waiting period. Simplified issue policies require health questions but offer immediate full coverage if approved. The tax-free death benefit can be used for funeral home services, outstanding medical bills, remaining debts, estate settlement costs, or any purpose the beneficiary chooses. The average funeral in Florida costs vary. Final expense insurance provides a tax-free death benefit specifically designed to cover end-of-life costs. Final expense policies are simplified-issue whole life insurance; the death benefit is the fixed face amount you choose when you buy the policy. Most Florida carriers offer simplified underwriting — no medical exam required.
Florida Health Insurance Web provides Medicare Advantage, Medicare Supplement (Medigap), ACA Marketplace Plans, Final Expense Insurance, Small Group Health Insurance, Medicare Part D across Statewide Florida.
Related questions
Florida Health Insurance Web — Compare your plan options
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