2025 Update For Cremation Insurance In Florida
At MyPHSS, we help seniors across the Tampa Bay area find affordable, no-hassle cremation insurance that protects their families from unexpected costs. Whether you live in Spring Hill, Tampa, Lakeland, or anywhere in between, this guide “2025 Update For Cremation Insurance In Florida” will help you understand how cremation insurance works, what it covers, and how to get started.
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.
Table of Contents
💡 What Is Cremation Insurance?
Cremation insurance is a type of final expense insurance specifically designed to cover the costs of cremation and related services after you pass away. It ensures your loved ones won’t be left scrambling to pay for everything out of pocket — during what will already be a difficult time.
In most cases, cremation insurance is a small life insurance policy — usually between $2,000 and $20,000 — that can be used to pay for:
Cremation service fees
Urns or keepsake jewelry
Funeral home costs
Memorial services
Travel expenses for the family
Other end-of-life bills or debts
This is not a prepaid plan; it’s real insurance that provides flexibility, peace of mind, and immediate payout to your family.
💰 Why It Matters in Tampa Bay
In Florida, the average cost of a basic cremation ranges from $1,500 to $4,000. If you include a viewing, memorial, or burial of the urn, the total price can increase to $6,000 or more.
Here in the Tampa Bay area — especially in cities like Clearwater, Wesley Chapel, St. Petersburg, and Brooksville — most funeral homes require full payment before services are performed.
Without cremation insurance, your family may be left with:
Unexpected out-of-pocket costs
The stress of setting up a GoFundMe
Delays in planning your final arrangements
A small, affordable policy through MyPHSS can take that burden off their shoulders.
🧾 What Does a Cremation Insurance Policy Cover?
Your cremation insurance payout can be used however your loved ones need. Most families use it for:
Direct cremation services
Cremation with viewing or ceremony
Cremation urns and personalized memorial items
Funeral home coordination fees
Transporting remains
Final medical or legal expenses
Outstanding debts or utility bills
Because it’s a cash payout, your beneficiary has the flexibility to use it as they see fit.
🙋 Who Should Consider Cremation Insurance?
Cremation insurance is a great fit for:
Seniors aged 55 to 85
Those on fixed or limited incomes
People who prefer cremation over traditional burial
Individuals without savings set aside for end-of-life expenses
Anyone who wants to leave their family with less stress and more peace of mind
At MyPHSS, we help individuals from all walks of life — including retirees, veterans, and working seniors — find the best policy for their needs and budget.
✅ No Medical Exam Required
Most cremation insurance policies do not require a physical exam. Instead, you may be asked a few basic health questions. These help us match you with the right company and the most affordable rate.
If you have a serious health condition — like heart disease, cancer, or diabetes — you may still qualify through a guaranteed issue plan, which asks no health questions at all.
Plans are available with:
✔ Low monthly premiums
✔ Immediate or graded death benefits
✔ Lifetime coverage as long as premiums are paid
✔ Fixed rates that never increase
Ready to speak
with your local agent?
You can schedule an In-Person appointment right now directly in our calendar below. Your local agent will come to you, you don’t have to leave your house.
If you need assistance using our online calendar, please call 813-539-0071 or email us at support@myphss.com
Serving All of Tampa Bay
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 a Final Expense / Burial plan, we’re here to help you every step of the way.
Call/Text your local agent “Daniel” at (813) 539-0071 📧 Email us at support@myphss.com
Let’s protect your golden years with peace of mind and the right Final Expense or Medicare plan.
We are a locally owned family insurance agency that has been serving our community since 2012. As independent brokers, we don’t work for just one company. We shop around to find the most affordable plans in Florida based on your needs.
We proudly serve the entire Tampa Bay region, including:
Counties We Serve:
Pasco, Hernando, Hillsborough, Pinellas, Polk, Manatee, Sumter, Sarasota & Citrus
Popular Cities:
Tampa, St. Petersburg, Clearwater, Lakeland, Spring Hill, Brooksville, Dade City, Plant City, Inverness, and more
Whether you want to meet in person, over the phone, or online, MyPHSS is here to help you.
Q&A - You asked, we answered
If you can’t find the question you have, just email your local agent.
To make the most of your appointment with MyPHSS, it’s helpful to have a few key items ready. Whether we’re meeting in person or over the phone, being prepared allows us to give you the best advice based on your unique situation.
Here’s what to have on hand:
📄 Current insurance paperwork (including Medicare, supplemental, or Advantage plans)
🪪 Your Medicare card and state-issued ID
💊 A list of your prescriptions and over-the-counter medications
👩⚕️ Names of your current doctors, specialists, and medical facilities
❓ Any questions you’d like to ask—it’s easy to forget them during the conversation, so jot them down ahead of time!
Our goal is to make this process simple, personal, and stress-free. Whether you’re exploring new coverage, comparing plans, or looking for cost-saving options, we’re here to help every step of the way.
📞 Call your local agent @813-539-0071
📧 Email us at support@myphss.com
🌐 Visit www.myphss.com to learn more or schedule your appointment
We proudly serve the Tampa Bay area and offer assistance statewide by phone.
At MyPHSS, we are independent insurance brokers, which means we’re not tied to just one company. Instead, we represent all the major insurance carriers available in Florida, so you can compare options and choose the plan that’s right for you—not the one a company is trying to push.
We work with trusted names like:
UnitedHealthcare®
Humana®
Aetna®
Cigna®
BayCare®
Wellcare®
Transamerica®
Mutual of Omaha®
CVS® and more
Because every person’s needs are different, we focus on what’s best for you, not what’s best for the insurance companies. Whether you’re looking for a Medicare Advantage plan, a Medigap policy, a final expense plan, or dental coverage, we’ll help you compare side by side and choose with confidence.
📞 Call your local agent @813-539-0071
📧 Email us at support@myphss.com
🌐 Learn more at www.myphss.com
We proudly serve the Tampa Bay area—including Pasco, Hernando, Pinellas, Hillsborough, Citrus, and Polk counties—and offer statewide phone assistance anywhere in Florida.
Because we don’t need your number to give you a quote!
Other insurance agents ask for your number because they believe if they don’t have it, you will go to someone else and they will lose the sale. We don’t use sales tactics like that, if you can find a better price from someone else we want to you to go to them. Save money, that is the whole point of our business.
You can schedule and appointment by clicking here or calling your local agent directly @813-539-0071
Nothing, if you decided to buy a policy and we are the writing agent the insurance company will pay us a commission for that sale. The price of your policy does not change because of that.
At MyPHSS, we proudly serve seniors throughout the Tampa Bay area, including:
Pasco County
Hernando County
Pinellas County
Hillsborough County
Citrus County
Polk County
If you’re local, we can meet in person at your home for a no-pressure consultation. However, you don’t have to live nearby to get our help—we also assist individuals anywhere in Florida over the phone or by email.
Whether you’re in Miami, Orlando, Jacksonville, or a small town in between, our licensed agents can walk you through your Medicare and final expense options from the comfort of your home.
📞 Call us at 813-539-0071
📧 Email us at support@myphss.com
🌐 Learn more at www.myphss.com
No matter where you live in Florida, MyPHSS is here to help protect your golden years.
Before COVID-19, we operated several local offices in the Tampa Bay area. Like many small businesses, we closed our doors during the pandemic and transitioned to working remotely for the safety of our staff and clients.
After restrictions were lifted, we found that our services ran just as smoothly—if not better—without the overhead costs of a traditional office space. By eliminating unnecessary expenses like rent and utilities, we’re able to focus more on serving our community and keeping costs down for our clients.
Today, your local MyPHSS agent can assist you over the phone, via email, or in person—right in the comfort of your own home, just like your plumber or electrician. It’s convenient, personal, and always pressure-free.
If you need to mail us something please use the following address:
13046 Race Track Rd #190 Tampa FL 33626
We proudly serve seniors across the Tampa Bay area, including Pasco, Hernando, Pinellas, Hillsborough, Citrus, and Polk counties.
Have questions or want to schedule an appointment?
📞 Call us at 813-539-0071
📧 Email us at support@myphss.com
🌐 Visit us online at www.myphss.com
Most polices come with a 15 or 30-day free look period from the insurance provider. If you don’t like something we can cancel it for you. We are here to help you find what works for you.
At MyPHSS (Protecting Your Golden Years), we help Florida seniors feel confident and prepared for retirement by offering personalized insurance solutions and guidance—at no cost to you.
Our licensed local agents specialize in helping individuals age 60 and older navigate the often confusing world of Medicare and retirement planning. We offer in-home appointments in the Tampa Bay area or phone consultations for clients anywhere in Florida.
We can help you with:
Medicare Advantage Plans
Medicare Supplement (Medigap) Plans
Prescription Drug Plans (Part D)
Final Expense Life Insurance
Dental and Vision Plans
Long-Term Care Plans
Hospital Indemnity Plans
Fixed Annuities
As independent brokers, we represent all the major insurance companies in Florida, which means we work for you, not the insurance companies. You’ll get honest advice, clear explanations, and options that make sense for your health, lifestyle, and budget.
📞 Call us at 813-539-0071
📧 Email us at support@myphss.com
🌐 Visit us at www.myphss.com
We proudly serve the Tampa Bay area—including Pasco, Hernando, Pinellas, Hillsborough, Citrus, and Polk counties—and offer remote help across the entire state of Florida.
For the Tampa Bay area, please contact your local agent at 813-539-0071
When you schedule an in-person appointment with MyPHSS, one of our licensed local agents will visit you at your home—at a time that’s convenient for you. Appointments usually last about 1 to 2 hours, depending on your questions and needs.
During your visit, we’ll take the time to explain your options and help you understand which Medicare or Final Expense insurance plans may be right for you. We typically focus on one product at a time to avoid overwhelming you—but if you’re curious about other plans, we’re always happy to discuss them.
There’s no cost, no pressure, and no obligation. We do not handle any payments, and we are not affiliated with any specific insurance company. Everything is reviewed on a secure tablet, and if you decide to enroll, any necessary paperwork or plan materials will be mailed directly to you from the issuing company.
Ready to schedule your free in-home visit? Call us at 813-539-0071 or email support@myphss.com today.
A phone appointment with MyPHSS is a convenient way to get expert help with your Medicare or Final Expense insurance options—without leaving your home.
One of our licensed local agents will call you at a scheduled time and walk you through everything step by step. We’ll take the time to understand your needs, explain your plan options clearly, and answer any questions you may have.
Phone appointments usually take 30 minutes to an hour, depending on your situation. Just like our in-person visits, there’s no cost, no pressure, and no obligation—we’re here to provide helpful information, not sell you something you don’t need.
If you choose to enroll in a plan, everything can be completed securely over the phone, and any materials you need will be mailed directly to you.
To schedule your free phone consultation, call 813-539-0071 or email support@myphss.com.