Final Expense Insurance in the Tampa Bay Area: What You Need to Know Before It’s Too Late
When it comes to planning for the future, many of us tend to avoid thinking about the inevitable. But for families in the Tampa Bay area, final expense insurance — also called a burial insurance policy — can provide peace of mind and financial protection when it matters most. This short article “Final Expense Insurance in the Tampa Bay Area: What You Need to Know Before It’s Too Late” might help you understand more.
If you’re between the ages of 55 and 85 and live in Florida, here’s everything you need to know about protecting your loved ones from the burden of unexpected funeral costs.
I intend to answer most of your questions in this article, but if I miss something, please email me at support@myphss.com, and I will answer your question.
🪦 What Is Final Expense Insurance?
Final expense insurance is a type of life insurance designed to cover the costs associated with your funeral or cremation or burial, medical bills, and unpaid debts. It’s typically more affordable and easier to qualify for than traditional life insurance.
Unlike larger policies meant to replace income or cover mortgages, final expense policies are often smaller in value — ranging from $2,000 to $50,000 — and are meant to cover end-of-life expenses only.
💰 Why It Matters in Tampa Bay
The average funeral in Florida can cost between $7,000 and $12,000 — and that’s not including medical bills or other final debts. Many families simply don’t have that kind of money saved, especially those living on a fixed income.
In areas like New Port Richey, Spring Hill, St. Petersburg, Lakeland, Plant City, and throughout Pasco, Hernando, Pinellas, Hillsborough, Polk, and Citrus counties, funeral homes require payment upfront. This can leave loved ones scrambling for cash, setting up GoFundMe pages, or taking out loans in their time of grief.
With a final expense policy, your loved ones won’t have to worry. The money goes directly to your beneficiary, who can use it to pay for funeral services, cremation, or whatever is needed.
✅ Who Qualifies?
Final expense insurance is designed to be simple to qualify for. At MyPhss, we work with people of all health backgrounds, even those with pre-existing conditions.
Most plans only require that you answer a few basic health questions — no medical exams, needles, or doctor’s visits required.
We offer plans for:
People with diabetes, high blood pressure, or cholesterol
Those who have had heart surgery or cancer in the past
Seniors who have been turned down before
We also offer guaranteed issue plans for those who cannot qualify for traditional options.
🧾 What Can the Policy Cover?
A final expense plan can help cover:
Funeral and burial or cremation costs
Caskets, urns, cemetery plots
Medical bills left behind
Credit card or utility bills
Travel expenses for family
Any leftover debts not handled by the estate
You decide who receives the benefit. They can use it however is needed when the time comes.
📍 Local, Personal Service in Tampa Bay
At MyPhss, we’re not a call center or some out-of-state company. We are licensed local brokers who live and work right here in Tampa Bay.
We serve clients in:
Pasco County: New Port Richey, Dade City, Zephyrhills, Land O’ Lakes
Hernando County: Spring Hill, Brooksville
Pinellas County: Clearwater, Largo, St. Pete, Tarpon Springs
Hillsborough County: Tampa, Brandon, Plant City, Lutz
Polk County: Lakeland, Winter Haven, Bartow
Citrus County: Inverness, Crystal River, Homosassa
Whether you want to meet in person, talk on the phone, or do everything online, we make it simple. There’s no cost, no pressure, and no obligation — just honest help.
Contact Us Today
Whether you’re new to Medicare or considering switching your plan or you are looking for a fair and competitive quote for an Final Expense / Burial plan, we’re here to help you every step of the way.
📞 Call us at (813) 328-4664
📧 Email us at support@myphss.com
🌐 Visit us online at MyPHSS.com
Let’s protect your golden years with peace of mind and the right Final Expense or Medicare plan.
Annual Review: Review your plan annually to ensure it continues to meet your needs. To review your coverage, call 813-328-4664 or email us at support@myphss.com
I intended to answer most of your questions in this article, but if I missed something, please email me at support@myphss.com, and I will answer your question.
