Burial Insurance in Texas Ultimate Guide 2024
Posted in Burial Insurance by State last updated on March 8, 2024For the “Lone Star State,” low-cost final expense life insurance is readily accessible this is burial insurance in Texas.
With inflation on the rise and funeral pricing expected to increase securing a burial policy for seniors to protect your family members should be on every senior to-do list.
The national average for a burial cost in the United States is $6,971 to $7,848 according to www.bankrate.com.
This is why getting a burial policy with a reliable A-rated company is crucial. The death benefit from the policy must be there for you or your loved ones’ family when they need it the most.
Whether it’s burial or cremation costs leaving your family with a big financial burden is the last thing you want to do.
This guide will go over the costs in Texas as well as cremation and health concerns that you can easily get instant approval and day one coverage for.
When it comes to burial coverage many seniors are concerned they cant qualify. This is where we come in, we specialize in burial insurance in Texas.
This is by no means the case at all! These plans do not require a medical exam and in most cases no waiting period for the benefits.
Every day Americans leave the cost of a funeral in their family’s lap. it’s sad but true, picking the right life insurance company will make all the difference to your family’s peace of mind when that time comes.
Not having a big burial expense to handle can make grieving just a little bit easier.
A lot more people in Texas typically elect for a texas burial than a cremation.
Table of contents
- Understanding Final Expense Insurance in Texas
- Burial Insurance in Texas Cost for Age’s 19 – 91
- How to Get Burial Insurance in Texas
- Leading Cause of Death In Texas Statistics from 2013
- How much is a Burial cost in Texas?
- Cremation Services Cost
- Approved Health Issues
- Most common Funeral Service in Texas
- ParamountQuote’s Mission
Understanding Final Expense Insurance in Texas
Final expense insurance(funeral, cremation, burial insurance etc.) is simplified issue whole life insurance & guaranteed issue whole life insurance(two types of burial insurance). Final expense whole life is permanent coverage it never expires as long as you live.
These policies are designed to cover burial, funeral, cremation and any other end of life costs when you die.
This spares your family from any financial burden of having to pay for funeral expenses. Burial insurance has level premiums(premiums never increase) and level death benefits(death benefit never decreases).
The policy builds cash value which is an additional savings to the death benefit you can borrow against.
Simplified underwriting means there are no medical exams for the burial coverage. You answer health questions on the burial insurance application then the company performs a medical & prescription history check.
If everything checks out you will be approved for coverage. The life insurance payout is 100% tax-free to your beneficiary and plans offer between $2,000 – $50,000 in coverage depending on the company.
Keep in mind simplified issue whole life does not have a waiting period however guaranteed issue life insurance has no health questions but always has a waiting period.
Burial Insurance in Texas Cost for Age’s 19 – 91
We can help seniors get burial insurance in Texas and young adults get burial insurance. Below you will see sample quotes for all available ages that qualify for burial insurance in Texas.
So if you are looking for funeral insurance over 80 or funeral insurance over 70 you will have a comprehensive overview of how much it will cost and what burial insurance companies are available to you in Texas.
| Age | $10,000 Male Non Smoker | $10,000 Male Smoker | $10,000 Female Non Smoker | $10,000 Female Smoker |
|---|---|---|---|---|
| 19 | $12.87 | $16.59 | $12.03 | $13.74 |
| 20 | $13.19 | $17.02 | $12.13 | $15.40 |
| 21 | $13.50 | $17.46 | $12.74 | $17.02 |
| 22 | $14.17 | $18.18 | $13.06 | $17.05 |
| 23 | $14.54 | $18.51 | $13.77 | $17.08 |
| 24 | $15.43 | $19.19 | $15.16 | $17.10 |
| 25 | $15.95 | $20.00 | $15.28 | $17.39 |
| 26 | $16.28 | $20.83 | $15.40 | $17.69 |
| 27 | $16.61 | $21.75 | $15.51 | $17.95 |
| 28 | $16.92 | $22.15 | $15.61 | $18.22 |
| 29 | $17.25 | $22.54 | $15.73 | $18.48 |
| 30 | $17.57 | $23.07 | $16.09 | $19.06 |
| 31 | $17.97 | $23.60 | $16.45 | $19.66 |
| 32 | $19.84 | $24.25 | $16.79 | $20.21 |
| 33 | $20.34 | $25.00 | $17.12 | $20.75 |
| 34 | $20.93 | $25.83 | $17.45 | $21.28 |
| 35 | $21.53 | $26.59 | $17.99 | $21.89 |
| 36 | $22.14 | $27.37 | $18.54 | $22.50 |
| 37 | $22.84 | $28.18 | $19.06 | $23.08 |
| 38 | $23.54 | $29.08 | $19.55 | $23.62 |
| 39 | $24.34 | $29.87 | $20.05 | $24.18 |
| 40 | $23.13 | $30.66 | $20.70 | $24.98 |
| 41 | $23.62 | $31.43 | $19.75 | $25.80 |
| 42 | $24.11 | $32.21 | $19.93 | $26.57 |
| 43 | $24.64 | $32.93 | $20.10 | $27.30 |
| 44 | $25.18 | $33.41 | $20.38 | $28.03 |
| 45 | $25.79 | $34.00 | $20.88 | $28.80 |
| 46 | $26.43 | $34.57 | $21.43 | $29.55 |
| 47 | $27.10 | $35.17 | $22.01 | $28.06 |
| 48 | $27.71 | $35.58 | $22.33 | $28.56 |
| 49 | $27.35 | $38.27 | $21.78 | $29.22 |
| 50 | $28.29 | $39.47 | $23.56 | $30.14 |
| 51 | $29.26 | $40.77 | $24.48 | $31.06 |
| 52 | $30.31 | $42.22 | $25.09 | $32.72 |
| 53 | $31.47 | $43.83 | $25.62 | $34.54 |
| 54 | $32.77 | $45.44 | $26.26 | $38.99 |
| 55 | $34.25 | $48.12 | $27.11 | $40.85 |
| 56 | $35.88 | $52.06 | $28.20 | $42.71 |
| 57 | $37.69 | $54.25 | $29.51 | $42.30 |
| 58 | $39.64 | $56.72 | $31.70 | $43.61 |
| 59 | $40.10 | $55.60 | $31.00 | $44.50 |
| 60 | $41.84 | $56.72 | $31.70 | $43.61 |
| 61 | $43.76 | $59.64 | $32.87 | $45.19 |
| 62 | $46.41 | $63.28 | $34.51 | $47.48 |
| 63 | $49.07 | $67.72 | $36.06 | $49.78 |
| 64 | $51.22 | $69.53 | $37.72 | $52.07 |
| 65 | $53.58 | $72.72 | $39.36 | $54.36 |
| 66 | $56.48 | $76.06 | $41.01 | $56.66 |
| 67 | $59.85 | $80.53 | $43.44 | $60.22 |
| 68 | $63.18 | $84.67 | $45.86 | $63.60 |
| 69 | $66.84 | $89.65 | $48.29 | $66.09 |
| 70 | $70.79 | $94.64 | $50.81 | $70.45 |
| 71 | $73.15 | $98.31 | $53.24 | $72.18 |
| 72 | $78.81 | $103.97 | $56.20 | $75.86 |
| 73 | $83.99 | $109.94 | $58.46 | $79.74 |
| 74 | $89.46 | $116.69 | $63.55 | $84.14 |
| 75 | $94.87 | $123.65 | $67.78 | $88.66 |
| 76 | $99.97 | $132.48 | $72.41 | $94.42 |
| 77 | $107.04 | $141.32 | $78.25 | $101.63 |
| 78 | $114.13 | $150.57 | $83.51 | $108.24 |
| 79 | $122.13 | $161.81 | $88.44 | $115.15 |
| 80 | $129.52 | $171.23 | $93.41 | $125.01 |
| 81 | $139.73 | $181.75 | $98.43 | $135.14 |
| 82 | $149.95 | $192.98 | $106.21 | $147.04 |
| 83 | $160.16 | $204.65 | $113.96 | $160.56 |
| 84 | $171.02 | $219.19 | $121.31 | $170.76 |
| 85 | $181.88 | $237.28 | $128.55 | $179.58 |
| 86 | $192.74 | $257.57 | $135.90 | $192.35 |
| 87 | $236.25 | $337.32 | $171.33 | $237.32 |
| 88 | $276.68 | $353.99 | $205.98 | $253.99 |
| 89 | $317.10 | $370.65 | $240.63 | $278.99 |
| 90 | $357.53 | $378.98 | $275.28 | $303.99 |
Best Burial Insurance Companies in Texas
The companies that provide the best funeral insurance in Texas are as follows:
American Amicable
If you are looking for Texas final expense life insurance American Amicable’s funeral policy is perfect for you. Their head quarters is in Texas so they are local and their senior choice product offers the lowest smoker rates for Texas final expense life insurance.
They are one of our top picks for the best burial insurance in Texas.
 | Age Eligibility | Policy Brochure |
★ ★ ★ ★ ★ | 50-85 | Brochure |
| Policy Features & Benefits | Type of Policy: Whole Life(Lifetime Coverage) | Waiting Period: Immediate Benefit Plan(No) Graded & ROP Plans(Yes) |
| Available States: All Except NY | Level Premiums(Premiums Never Increase) | |
| Cash Value Builds in Policy | No Medical Exams Required | |
| Death Benefit Amounts: $2,000-$50,000 | Level Death Benefit(Death Benefit Never Decreases) | |
| Terminal Ilness Accelerated Death Benefit Rider | Allows the insured diagnosed with a terminal illness to use the entire policy death benefit (100%) for any purpose. If you have a $10,000 policy and are diagnosed with a terminal illness, you can access the full $10,000 for various needs. | |
| Accelerated Death Benefit Rider Confined Care | Provides 5% of the death benefit in monthly payments if the insured is confined to a nursing home 30 days after the policy starts. Can be used for monthly bills or other smaller expenses. | |
| Grandchild Rider | Offers $5,000 life insurance coverage per unit for a grandchild or great grandchild, with a maximum of 2 units totaling $10,000 in coverage. Costs an additional $1.00 on the monthly policy premium per unit for each grandchild. | |
| Children’s Insurance Agreement | Provides up to $6,000 in coverage for each child below age 25. Can be converted to a whole life or endowment policy when the child is over 25. Allows coverage up to 5 times the coverage amount, totaling $30,000, without demonstrating insurability. | |
| Nursing Home Waiver of Premium Rider | Waives premium payments on the policy if the insured is confined to a nursing home for over 90 days, making the insurance essentially free. | |
| Accidental Death Benefit Rider | Doubles the death benefit payout if the insured or loved one dies from an accident, with no additional cost to be added. | |
Mutual of Omaha
Mutual of Omaha’s burial policy is also one of the most affordable options for Texas final expense life insurance. Their Mutual of Omaha Living Promise policy has living benefits and offers coverage to seniors with moderate health conditions.
They provide the best burial insurance in Texas with very affordable rates.
 | Age Eligibility | Policy Brochure |
★★★★★ | 45-85 | Brochure |
| Policy Features & Benefits | Type of Policy: Whole Life(Lifetime Coverage) | Waiting Period: Graded Plan(yes) Level Plan(no) |
| Death Benefit Amounts: $2,000-$50,000 | Level Death Benefit(Death Benefit Never Decreases) | |
| Available States: All Except NY | Level Premiums(Premiums Never Increase) | |
| Cash Value Builds in Policy | No Medical Exams Required | |
| Accelerated Death Benefit Rider | Allows the insured to access a portion of the policy’s death benefit while alive for various needs such as medical bills, living expenses, and funeral expenses. | |
| Eligibility | Applicable when the insured is diagnosed with a terminal illness (12 months to live) or has been confined to a nursing home for more than 90 days without the expectation of leaving. | |
| Inclusion | Automatically included in the policy at no extra cost. | |
| Accidental Death Benefit Rider | Provides an extra death benefit equal to the policy’s death benefit in case of death resulting from an accident. | |
| Inclusion | Requires an additional charge to be added to the policy. | |
Prosperity Life
Prosperity funeral insurance is great residents looking for Texas final expense life insurance if they have heart conditions. Now Prosperity life is the best burial insurance in Texas for seniors with heart issues to possibly get no waiting periods.
 | Age Eligibility | Policy Brochure |
★★★★★ | 55-80 | Brochure |
| Policy Features & Benefits | Type of Policy: Whole Life(Lifetime Coverage) | Waiting Period: Graded & Modified Plans(yes) Level Plan(no) |
| Available States: All Except SC,SD,CT,MT,NY,ND | Level Premiums(Premiums Never Increase) | |
| Cash Value Builds in Policy | No Medical Exam Required | |
| Death Benefit Amounts: $5,000-$35,000 | Level Death Benefit(Death Benefit Never Decreases) | |
| Accelerated Death Benefit Rider | Allows the insured to access the policy death benefit in the event of a terminal illness, providing funds for various needs such as living expenses or early funeral expenses. | |
| Accidental Death Benefit Rider | Doubles the policy payout if death is a result of an accident, operating similarly to other accidental riders. | |
Aetna
Aetna final expense coverage is perfect for seniors with breathing conditions and residents looking for Texas final expense life insurance for seniors over 85. If you fall into these 2 categories this is the best burial insurance in Texas for you.
 | Age Eligibility | Policy Brochure |
★★★★★ | 40-89(Preferred & Standard Plans) 40-75(Modified Plan) | Brochure |
| Policy Features & Benefits | Type of Policy: Whole Life (Lifetime Coverage) | Waiting Period: Preferred & Standard Plan(No) Modified Plan(Yes) |
| Available States: All Except NY | Level Premiums (Premiums Never Increase) |
|
| Cash Value Builds in Policy | No Medical Exams Required | |
| Death Benefit Amounts: $2,000-$50,000 | Level Death Benefit (Death Benefit Never Decreases) |
|
| Accelerated Death Benefit Rider | Allows the insured diagnosed with terminal, critical, or chronic illness with an expected death within 12 months to access 50% of the policy death benefit for various purposes such as bills or funeral planning. | |
| Accidental Death Benefit Rider | Pays out an amount equal to the policy death benefit for accidental death if the insured is between 40 and 70 years old. | |
| Children’s Term Insurance Rider | Children and grandchildren aged 30 days to under 18 years old can be covered for amounts ranging from $2,500 to $10,000 each. The policy can be converted to a whole life policy for the child between the ages of 22 and 25. | |
Guarantee Trust Life
Guarantee Trust Life’s heritage policy has only 5 health questions which means most seniors with bad health issues can get approved. It has half of a waiting period instead of a full 2 year waiting period. After policy year 1 the plan pays 50% of the death benefit and after year 2 the full death benefit is paid.
 | Age Eligibility | Policy Brochure |
★★★★★ | 50-90 | Brochure |
| Policy Features & Benefits | Type of Policy: Whole Life(Lifetime Coverage) | Waiting Period: Year 1: ROP+5% Interest Year 2: 50% of Death Benefit Paid Year 3: 100% Death Benefit Paid |
| Available States: All Except NY | Level Premiums(Premiums Never Increase) | |
| Cash Value Builds in Policy | No Medical Exams Required | |
| Death Benefit Amounts: $2,500-$20,000 | Level Death Benefit(Death Benefit Never Decreases) |
AIG
American General’s funeral policy provides living benefits for terminal illness and has no health questions. If you are looking for Texas final expense life insurance with some sort of living benefits this is the best burial insurance in Texas for you.
There is a 2 year waiting period for this policy.
 | Age Eligibility | Policy Brochure |
★★★★★ | 50-80 | Brochure |
| Policy Features & Benefits | Type of Policy: Whole Life(Lifetime Coverage) | Waiting Period: Full 2 Year Waiting Period Death Within 2 Years is ROP + 10% Interest Accidental Death Within Waiting Period is Full Policy Payout |
| Available States: All Except NY | Level Premiums(Premiums Never Increase) | |
| Cash Value Builds in Policy | No Medical Exams Required | |
| Death Benefit Amounts: $5.000-$25,000 | Level Death Benefit(Death Benefit Never Decreases) |
Gerber
Gerber life’s funeral policy is the best burial insurance in Texas for seniors on a tight budget with severe health conditions. If you cannot qualify for any level plans and want the cheapest rates Gerber life is the top choice for Texas final expense life insurance.
 | Age Eligibility | Policy Brochure |
★★★★★ | 50-80 | Brochure |
| Policy Features & Benefits | Type of Policy: Whole Life(Lifetime Coverage) | Waiting Period: Full 2 Year Waiting Period Death Within 2 Years is ROP + 10% Interest Accidental Death Within Waiting Period is Full Policy Payout |
| Available States: All States | Level Premiums(Premiums Never Increase) | |
| Cash Value Builds in Policy | No Medical Exams Required | |
| Death Benefit Amounts: $5.000-$25,000 | Level Death Benefit(Death Benefit Never Decreases) |
When you work with one of our insurance agent’s they will help you pick between these companies. They are all A-rated and offer permanent life insurance plans to protect your family from the funeral bill.
Get a burial insurance quote in Texas by filling out the form to your right. If you have been diagnosed with a terminal illness apply for AIG or Great Western.
How to Get Burial Insurance in Texas
If you are looking to buy final expense insurance in Texas fill out our quoter. One of our agents will contact you to assist in helping you buy funeral insurance in Texas. Below is our table listing exactly how to get burial insurance.
| Steps to Apply | Description |
|---|---|
| 1. Speak with a Licensed Insurance Agent or Agency | In order to buy burial insurance you must speak with a licensed life insurance agent that sells the product. You cannot apply for majority of burial insurance products on your own. |
| 2. Answer Health Questions & Provide Your Prescriptions | You must answer the health questions on the burial insurance application & provide your medications. The Life Insurance company will look at the Medical Information Bureau Health Report and run a Script Check on you using your Social Security Number provided on the application. This allows them to asses your risk and determine if they will approve you. |
| 3. Provide the Name of your Doctor | The life insurance company will want to know the name of your doctor. In most cases they will never contact your doctor however, in some rare cases they can depending on what is found in the MIB reports. |
| 4. Electronically Sign your Life Insurance Application | When applying for burial insurance online you will sign for your application using an electronic signature. Depending on the company you apply it will be a voice signature, e-mail signature or Text message signature. |
| Instant Decision of Approval or Denial | Burial insurance does not require a medical exam which means when you submit your application to the life insurance company it is the last step. Depending on which company you applied with you will receive an instant decision on your application. Some companies or situations may take a few days for a decision. |
Leading Cause of Death In Texas Statistics from 2013
We help 90% of our clients find coverage with no waiting period even with the health conditions above. This is why it is crucial to work with us we have something for everyone at this agency.
How much is a Burial cost in Texas?
According to dfsmemorials.com
The average burial cost for Texas is $5,192 not including fees for the cemetery. If you include the fees the total cost is upwards of $7,000 to $9,000 and that is just for a typical service.
The more elaborate funerals can be more than double the amount. Memorial services and others factor into the total price. This is why Texas burial insurance is so crucial to cover the cost
Above all, you can ask your local funeral homes for a general price list to help you further understand how much coverage you need for either an elaborate or traditional funeral.
Even the National Funeral Directors Association states that a funeral with a viewing and burial costs $7,848 this was in 2021.
Source: https://nfda.org/news/statistics
This is why our agents always recommend a high amount of coverage between $10,000 to $20,000 to guarantee that the funeral costs will be taken care of.
So whether more inflation hits and makes prices increase or additional medical bills or other end of life expenses come up, the funeral insurance will take care of everything.
As long as your monthly premium is paid every month on your policy, your family will have the peace of mind they deserve.
Cremation Services Cost
Now if you are looking for a cheaper option cremation would be a route to consider.
According to www.greencremationtexas.com
An average cremation can range between $1,000 to $3,000 on the lower end. With that in mind, you can also obtain a policy with face amounts of $1,000 to $3,000 to cover a cremation.
It all comes down to you and your unique needs when considering coverage. The end goal is the same making sure your family is not left with a burden.
The overall cost for cremation depends on these factors also.
- Body Transport
- Body Preparation
- The Process
- Remains Placement
Approved Health Issues
Many Texas seniors believe they are too unhealthy to get burial coverage. We pride ourselves on helping seniors get approved for day one level coverage for the following conditions:
- Congestive Heart Failure
- COPD
- Stroke
- Diabetes Type 1 & 2
- Mental Health
- Parkinson’s Disease
- Neuropathy
And much more!
We are highly trained and work hard to make sure if we can get you qualified for immediate benefits. Our agents know the underwriting niches of these carriers, some of them ask about those specific conditions on their health questions and some do not.
Our agents will help you get with the ones that do not based on your health conditions. This guarantees you the best rate and coverage available.
Do not go through local agencies like State Farm. They are 20% more expensive because they do not specialize in burial insurance like us.
Fill out the form to your right to see pricing and speak with an agent.
Most common Funeral Service in Texas
A Full-service funeral is typically the most common in all 50 states. This is a traditional either closed or open casket, where family members come to give speeches and pay their respects.
After the service, is when the body typically is buried or burned depending on what was selected.
ParamountQuote’s Mission
If you are looking for burial insurance in Texas, look no further. Allow us to earn your business. We can get you instant approval coverage in minutes and the best rate guaranteed! That will save you the most money.
- We are a national independent broker with access to the top major carriers in all 50 states which guarantees the best rate and best coverage.
- We specialize in burial insurance and helping people with major health conditions get day 1 coverage.
- Our agents become your personal agent for life! We work for you, not the insurance companies.
We help 90% of our clients get approved for day one immediate benefits. This means if you die the day after you pay your first premium, the carrier will payout within 24 – 48 hours of recieving your death certificate.
This means your family will have all the money they need to bury you properly and honor your memory. It will save them from debt or borrowing money. This makes sure all your family has to focus on is grieving you.
Our job is to make sure they are spared from any additional heart ache at such a sad time in their lives. Noone should ever have to go through debt and financial hardship when grieving a loved one.
This is why we are here to help, our agents will be with you every step of the way.