Which Companies Offer Burial Insurance in Texas?
All insurance is regulated at the state level. Insurance providers must decide which states they offer products in.
For this reason, burial insurance plans in the USA vary from state to state.
Below is a table that outlines some of the best senior final expense insurance companies available in the Lone Star State.
How Much Does Final Expense Insurance Cost In Texas?
The cost of a final expense policy is determined by your age, gender, health history, and the amount of coverage you choose. Below is a table outlining some sample premium estimates.
How Do Burial Insurance Plans Work?
Burial insurance is a small whole life insurance policy that does not require a medical exam to qualify. Seniors with health conditions can still secure a new policy regardless of their pre-existing health issues.
Some plans have health questions, where your eligibility depends on how you answer a few health questions. If approved, you’d be fully covered immediately. Alternatively, some policies have no health questions and guaranteed approval.
Be aware that life insurance policies with no health questions will always be more expensive and have a 24-month waiting period. Non-accidental death during the waiting period will only result in a refund of your payments.
Coverage amounts typically range from $2,000 to $50,000 with most life insurance companies.
Because final expense life insurance for seniors is a type of whole life policy, the details are very plain. The monthly premiums will never increase, and the death benefit won’t decrease. Additionally, the policy will accumulate cash value and never expire, regardless of age.
Ultimately, the policy death benefit payout is carried out as a tax-free cash payment to your loved ones. That provides your family members with the necessary funds to carry out your final wishes. Alternatively, you can elect to have the money paid to a funeral home.
It’s important to remember that there are no restrictions on how the money is spent. For example, the funds can be used for end-of-life expenses, funeral services, a headstone, medical bills, credit card debt, or any other purpose.
How Much Does A Funeral Cost In Texas?
| Service Type | Average Cost |
|---|---|
| Burial Service | $7,912 |
| Direct Burial (No Service) | $5,204 |
| Cremation Service | $5,890 |
| Direct Cremation (No Service) | $2,117 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
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It’s essential to note that the exact cost of a cremation or burial varies depending on your specific preferences.
For example, your burial services will cost less if you opt not to have a viewing.
Using a funeral cost calculator can help you better estimate the cost of a funeral according to your desired service.
The Free Look Period In Texas And The FTC Funeral Rule
The free look period is an insurance law that mandates that a policyholder has the right to refuse a contract for any reason.
Additionally, they are entitled to a refund of any premiums paid so long as they return the policy within the free look period.
The free look period in Texas is 10-20 days.
That insurance provision ensures you have the opportunity to review your policy and make changes if necessary. In addition, it protects you from unscrupulous agents who attempt to defraud you.
Another law that is helpful to be mindful of is the Federal Trade Commission’s Funeral Rule. In short, this law requires funeral homes to provide transparent pricing (in writing) upon request. Additionally, it enables you to select the specific goods and services you desire for a funeral.
How To Get Final Expense Insurance In Texas
Funeral planning is something every responsible adult should do. Burial insurance is well worth it if you have no other means to cover your funeral expenses.
Ultimately, to get coverage, you should work with an independent broker that represents 10 or more insurance companies. Brokers (AKA agencies) have the freedom to compare many companies side by side so they can isolate which one is best for you.
There is no cost to work with an insurance agent. Also, the insurance you buy from an independent licensed agent doesn’t cost you more because you bought it through a broker.
Alternatively, you can buy directly from an insurer online, by mail, or by phone. For example, Globe Life, Colonial Penn, and Trustage are three companies that offer this option.
However, it’s important to remember that most insurers don’t sell their policies directly to consumers. Instead, they sell their coverage exclusively through agents.
At the end of the day, it’s a good idea to evaluate all your options and choose which one you feel is best.
- Nationally licensed life insurance agent with over 15 years of experience
- Personal annual production that puts him in the top .001% out of all life insurance agents in the nation.
Anthony Martin is a nationally licensed insurance expert with over 15 years of experience and has personally served over 10,000 clients with their life insurance needs. He frequently authors entrepreneurial and life insurance content for Forbes, Inc.com, Newsweek, Kiplinger, and Entreprenuer.com. Anthony has been consulted as an expert life insurance source for dozens of high-profile websites such as Forbes, Bankrate, Reuters, Fox Business, CNBC, Investopedia, Insurance.com, Yahoo Finance, and many more.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
Choice Mutual often cites third-party websites to provide context and verification for specific claims made in our work. We only link to authoritative websites that provide accurate information. You can learn more about our editorial standards, which guide our mission of delivering factual and impartial content.
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state level. https://www.iii.org/publications/commercial-insurance/how-it-functions/regulation
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free look period in Texas. https://www.tdi.texas.gov/pubs/consumer/cb018.html
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Funeral Rule. https://www.ftc.gov/news-events/topics/truth-advertising/funeral-rule
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NFDA General Price List Study. https://nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral
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Funeralocity. https://www.funeralocity.com/average-funeral-price
- Data sourced from Choice Mutual quote calculator for a 65-year-old applicant who does not use tobacco. Data is valid as of 08/30/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (08/30/2024-08/30/2025).
- Data sourced from 2023 NFDA General Price List Study.
