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.
💡 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
🌐 Serving All of Tampa Bay
We proudly serve the entire Tampa Bay region, including:
Counties We Serve:
Pasco, Hernando, Hillsborough, Pinellas, Polk, and 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 makes it easy.
We are independent brokers — which means we don’t work for just one company. We shop around to find the most affordable cremation insurance plans in Florida based on your situation.
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.
