Burial Insurance in Texas Ultimate Guide 2023
Posted in Burial Insurance by State last updated on September 3, 2023For 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 Sample Quotes | $10,000 Male Smoker Sample Quotes | $10,000 Female Non Smoker Sample Quotes | $10,000 Female Smoker Sample Quotes |
|---|---|---|---|---|
| 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 |
| 91 | $387.32 | $387.32 | $337.32 | $337.32 |
| 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:
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.
Extended Reading: Final Expense Insurance in Louisiana, Final Expense Insurance in Kentucky, Final Expense Insurance in Arkansas, Final Expense Insurance in Alabama, Final Expense Insurance in Georgia, Final Expense Insurance in Arizona, Final Expense Insurance in Ohio, Final Expense Insurance in Delaware, Final Expense Insurance in Utah, Final Expense Insurance in Rhode Island
Quick Tip: To see instant insurance quotes for burial insurance in Texas fill out the form to your right.
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.