Final expense insurance is a small, permanent life insurance policy — typically whole life — designed to help pay for end-of-life costs. In Florida, applicants typically choose a coverage amount, answer a short set of health questions (or apply for guaranteed issue coverage), and are approved into a policy that can help cover funeral or cremation services, burial costs, outstanding medical bills, and other final expenses. It is generally considered by older adults, retirees, and individuals who want a dedicated resource for these costs rather than relying on savings or family contributions. Coverage amounts, premiums, eligibility, and underwriting requirements vary by insurance carrier and by applicant.