$5,000 to $25,000 in coverage. No medical exam. Your rate locks for life.
No pressure either way. If the honest answer is you don't need this, that's the answer you'll get.
"They were so helpful and professional... they helped me get my prescription at a fraction of the cost compared to what I was paying before."★★★★★ MaryAnn H.
Real customer reviews from Michael's seven years running a prescription-savings team, before founding Brightwater.
Step 1 of 7
Licensed FL agent G345487 · No call center · Never sold
Who needs the coverage?
How old are you?
✓ Got it. Michael will call you shortly. Three more taps so he has your options ready.
Are you male or female?
Any tobacco use in the last 12 months?
How much coverage are you looking for?
Here's what coverage like this typically costs
$24 to $42/mo
Typical range for $5,000 to $10,000 of coverage. Your exact rate depends on a few health questions and the carrier.
Rates under 50 are often even lower than this range.
Michael, a licensed Florida agent, will call you shortly from
(305) 859-1704
Save the number so you know it's him. A text confirming your request is on its way.
"Provided outstanding help guiding patients through assistance programs. The process felt smooth and supportive."★★★★★ Armando T.
Where should Michael reach you?
Three quick questions after this and your rate range shows, and Michael calls with the real answer.
Licensed Florida Agent Lic. G345487
No Obligation, No Pressure
Everything by Phone, From Home
No medical exam. A few health questions on the phone. Most people hear an answer on the same call.
Your rate never goes up. Once issued, the price is locked for life and the coverage never shrinks.
A person, not a call center. You talk to Michael, a licensed independent Florida agent. If the honest answer is that you don't need this, that's the answer you'll get.
This coverage was never about us. It is about the people behind us.
Final expense insurance, explained honestly
Final expense insurance (people also call it burial insurance or funeral insurance) is a small whole life policy, usually $5,000 to $25,000, built to cover funeral costs, medical bills, and the loose ends a family faces after a death. The average funeral in Florida runs $8,000 to $12,000 before a headstone or cemetery costs. This coverage exists so your family never has to pass a hat.
What does burial insurance cost per month?
It depends on your age, whether you use tobacco, and the coverage amount. Most healthy Florida seniors between 60 and 80 land somewhere between $30 and $130 a month for $10,000 to $15,000 of coverage. Your exact rate depends on a few health questions and the carrier, which is why the quiz above shows you an honest range and the exact number comes from a licensed agent, not a form.
No medical exam, and the rate locks
These policies use a few health questions instead of an exam. Once issued, the premium never goes up and the coverage never shrinks, as long as you pay the premium. Many carriers offer guaranteed acceptance versions for people with serious health history, at a higher cost and usually with a two year waiting period. An honest agent tells you which type actually fits before you buy either one.
Common questions
Is this the same as the "$25,000 state program" in the ads? No. There is no government burial program. Those ads sell this same insurance with marketing on top. We wrote a whole page about it: the truth about the final expense "program".
Can I buy it for a parent or spouse? Yes, with their consent and signature. That is one of the most common ways these policies get bought, and the quiz above has options for exactly that.
What if I already have a small policy? Bring it up on the call. Sometimes keeping it is the right answer, sometimes it is not. If the honest answer is that you do not need more coverage, that is the answer you will get.
Who am I talking to? Michael von Heesen, an independent licensed Florida agent (license G345487, NPN 22236708), based in Miami, working with A-rated national carriers. One person, no call center, and your information is never sold.
