Burial Insurance: Texas

Written by Kim Wilhelm

Verified!  See guidelines

Verified!  See our editorial guidelines

Last Updated 14 Apr 2024

The Lone Star State has a lot to offer. Natural beauty, incredible cities, and favorable taxes are drawing scores of retirees to the great state of Texas. Unfortunately, while the cost of living is lower than in a lot of states, the cost of a funeral is still very expensive.

According to the National Funeral Directors' Association, you can expect to pay $7,334 or more for a funeral with a burial and $6,405 for a funeral with a cremation. Those prices are expected to increase every year - and only cover the basics. Total funeral costs may amount to $10,000 or more, depending on your city and the cemetery you choose.

No one wants to burden their friends and family with the cost of a funeral, which is why so many seniors are buying burial insurance as part of their end-of-life and final expense planning.

Final expense insurance, also known as funeral insurance or burial insurance, is a form of permanent life insurance designed to protect your family from the exorbitant cost of a funeral after you've passed. Your family can use the death benefit to settle medical bills, pay for funeral expenses, or honor your final wishes; there is no limitation on how it should be spent.

Let's take a closer look at how final expense life insurance and burial insurance works.


The Cost of a Texas Funeral

As we've mentioned in the introduction, the average funeral cost in Texas can be well over $7,000. This median cost includes service fees, transport of the deceased, embalming or preparation, viewing facilities, the cost of a hearse, a basic memorial, and a metal casket. It's fairly basic! Your loved ones probably have something more elaborate in mind, including flowers, music, catering, and, of course, a grave marker or an urn.

Even if you try to keep funeral costs low, family members will need to cover certain costs. For example, if the body isn't buried within 24 hours, it has to be embalmed or refrigerated and stored per Texas law. Texas doesn't require buying a casket, but some cemeteries have strict rules. Caskets alone can cost thousands of dollars, depending on the style chosen.

According to the National Association of Funeral Directors, family members should expect to pay $2,195 for basic services, $350 for transport, $1005 for embalming and preparation, $425 for viewing facilities, $340 for a hearse, $150 for a service car, $175 for printed memorial products, and $2,500 for a simple casket. Burial expenses pile up quickly, and funeral arrangements can easily land your family in debt.

Even if you have a life insurance policy in place, it may take time to pay out, which is why purchasing burial insurance is often the best way to cover the cost of the funeral for your loved ones.

Buying a Burial Life Insurance Policy

If you are interested in buying a life policy that will help your family cover the high cost of funerals in Texas, you can look at term or whole life insurance. A term life insurance policy is usually cheaper than other life insurance policies, but it's only valid for a set period of time. Once that period expires, you'll need to buy and re-qualify for another term life insurance policy, usually at a higher rate, because your age and health may have changed in the meantime.

Whole life insurance stays in force until your passing, provided you've kept up with your premiums. The premiums are slightly higher, but you can still get a great rate through a company like Final Expense Direct. The benefit is that these policies are easy to qualify for because many don't require a medical exam. Once you've obtained a policy, the rate will never change, even if you have a setback in your health.

The burial insurance pay-out will usually be around $7,000-$10,000, which can cover the cost of the funeral, but your family can use the death benefit any way they see fit. Some policies even offer as much as $30,000-$50,000, depending on your age, sex, health, and budget.

Whole life insurance policies are typically more expensive for men than women (due to having a shorter life expectancy). Smokers and tobacco users should also expect to pay more. The good news is that many Texas life insurance companies cover individuals who are suffering or have suffered from serious medical issues under a guaranteed plan. A guaranteed life insurance plan could be more expensive than others because of the increased risk, but it does not require a medical exam.

  • Immediate Approval Over the Phone Today!
  • Speak to a Live Agent 
  • Just a Few Health Questions 

The Best Final Expense Insurance Companies in Texas

If you are looking for final expense life insurance in Texas, you should give Final Expense Direct a call. We'll gladly recommend funeral insurance that meets your needs! Some of the companies we work with include:

Mutual of Omaha

Mutual of Omaha is a reputable company that offers burial insurance coverage ranging from $2,000 to $50,000. The whole life insurance policies are open to anyone aged 45-85, and they offer policies that have no waiting period for coverage.


Aetna's whole life insurance policies are open to anyone aged 40 to 89, with coverage from $2,000 to $50,000. The Accendo Immediate Benefit plan doesn't have a waiting period. Their plans also come with optional riders, including an accidental death benefit.

Prosperity Life Group

Prosperity Life Group offers coverage between $5,000 and $35,000 for people aged 55 to 80. We've recommended this company to thousands of seniors who suffer from health issues because their policies offer great rates and enough coverage for end-of-life expenses. Moreover, they are very accepting of individuals with existing medical conditions, which may make it one of the best burial insurance options for you.


AIG offers coverage up to $25,000 for individuals aged 50-80. They offer guaranteed acceptance policies with a 2-year waiting period, which means you can't be turned down if you meet the age requirements. You'll also enjoy free living benefits while you are a policyholder.


American-Amicable offers coverage of $2,500-$50,000 for policyholders aged 50 to 85. The Senior Choice final expense policy doesn't have a waiting period. Based in Waco, Texas, this company will offer policies that can cover burial and cremation costs and provide peace of mind.

Baltimore Life

Baltimore is one of the few insurance companies that offers burial insurance policies over $25,000, although their underwriting requirements can be quite high. Policies are open to individuals aged 45 to 89, and the iProvide policy doesn't have a waiting period.

You can click the links of each insurer to read a more in-depth review or give us a call to find the best policy for your specific needs and budget.

Compare and buy

final expense

Final Expense Life Insurance Quote Online

Final Thoughts

Funeral costs in Texas are rising faster than inflation, which means that your loved ones might face a hefty bill when you pass on. If you would like to protect your family from being burdened by this expense, get in touch with Final Expense Direct.

Our caring agents will evaluate your unique needs and recommend a final expense insurance policy and provider that meets your requirements and budget. We work with only the best providers that truly have your best interests at heart!

Compare and buy

final expense

Final Expense Life Insurance Quote Online


  • Get quotes FAST
  • More affordable than you think
  • Compare quotes from top companies
  • Know what you qualify for before you buy!
By pressing "Get Quotes Now" you agree to our privacy policy and consent to have Final Expense Direct contact you by email, phone call, text/SMS message at the phone number & email you provide. You understand that any calls, texts, SMS messages may be made using automated dialing technology. Consent isn’t a condition to purchase our products.