Burial Insurance in Texas Ultimate Guide 2022
Posted in Burial Insurance by State last updated on April 27, 2022
For 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 your family members should be on every senior to-do list.
The national average for a burial cost in the United States is $7,640 according to www.bankrate.com when you include a vault they jump to $9,000.
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
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 everyth month on your policy, your family will have the peace of mind they deserve.
Quick Tip: To see instant insurance quotes for burial insurance in Texas fill out the form to your right.
Plans Consumers Should Avoid
| What to Avoid | Reason |
|---|---|
| Term life Insurance | Premiums increase after 5 years. Coverage ends after 80. Term Terminates |
| Pre-paid funeral plans | Expensive & Do not Travel with you if Death Occurs outside of State |
| Universal life insurance | Tied with stocks used more for Inevstments |
| No health questions Asked policies | With 2-year waiting period & more Expensive |
| Plans offering "gimmick rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
| Over priced plans | Insurance from TV and Spam mail with false advertising |
| Plans that accept mail-in payments | High Risk of Payment Failure & Policy Lapse |
| Plans that accept Direct Express | High Chance of Lapse due to missed Payment |
| Plans that accept Credit Cards | High Chance of Lapse due to missed Payment |
Best Type of Plans
| PARAMOUNTQUOTE PLAN BENEFITS | INCLUDES |
|---|---|
| Day One Coverage | YES |
| Rates NEVER Go up | YES |
| Policy Coverage NEVER Decreases | YES |
| Easy Underwriting & Approval | YES |
| No Medical Exams Required | YES |
| Same Day Instant Approval | YES |
| Death Claims Pay Quickly | YES |
| Builds cash value over time | YES |
| Coverage Up To Age 85 | YES |
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
American Amicable Burial Insurance Rates
| American Amicable Burial Insurance Rates |  |
|||
|---|---|---|---|---|
| Age | $10,000 Coverage Male Non Tobacco Monthly Rate | $10,000 Coverage Male Tobacco Monthly Rate | $10,000 Female Non Tobacco Monthly Rate | $10,000 Female Tobacco Monthly Rate |
| 50 | $31.64 | $40.59 | $26.66 | 31.28 |
| 55 | $40.03 | $50.00 | $33.69 | $38.62 |
| 60 | $47.05 | $60.56 | $38.26 | $45.77 |
| 65 | $59.74 | $76.06 | $47.05 | $57.70 |
| 70 | $78.79 | $98.31 | $60.38 | $72.18 |
| 75 | $108.01 | $132.48 | $81.73 | $94.42 |
| 80 | $155.82 | 181.75 | $113.68 | $135.19 |
| 85 | $221.31 | $257.57 | $166.02 | $210.43 |
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.
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