Final Expense Insurance in Texas

we have access to the top life insurance companies in Texas

Written by Kim Wilhelm

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Last Updated 14 Apr 2024

To get a final expense plan in Texas, you must go through an insurance company. Final Expense Direct provides access to the best companies in Houston.

Pioneer American

Pioneer American was founded in 1946, and has been servicing Texas residents ever since. This company stands out because it offers accelerated benefits at no extra premiums, something that is very uncommon amongst other providers. 

It also has an A+ rating with the Better Business Bureau (BBB). However, it’s website is very limited, and hard to access without an agency such as Final Expense Direct.

The Baltimore Life Companies

Baltimore Life has more than 300,000 policyholders in 49 states, and has been in business since the late 19th century. According to their mission statement, they prioritize:

  • Financial discipline
  • Making a positive difference
  • Integrity and respect
  • Openness and honesty

Mutual of Omaha

This company offers a lot of extra benefits that other insurance companies do not—a ”rider” is an additional coverage option, and Mutual of Omaha has plenty of them. So, if you’re looking for life insurance coverage with a little extra, this company may work well for you.

American Home Life

American Home Life is unique because it is a mutual insurance company. This means that it is owned by the policyholders rather than shareholders. A policy with them doubles both as insurance and a low-risk investment.

Liberty Bankers Life

Liberty Bankers Life is a big, well-established company. With over $2 billion in assets and an annual income of over $10 million, you know that you’re getting an excellent, consistent, and safe policy.


Americo has recently come onto the scene with an A+ BBB rating. It is financially strong, with many great policy options. This is a company that definitely benefits from agency help, and Final Expense Direct can take care of that.

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This company has high-payout policies, with coverage ranging from an average of $100,000 to $2 million for your traditional life insurance policies, with 18 different policies to choose from.

Prosperity Life Group

Prosperity Life Group offers excellent final expense coverage for those 50-85 years old who would otherwise be ineligible for life insurance. They have incredible customer service ratings and are overall a very competitive option.

Foresters Financial

Founded in 1874, Foresters Financial is one of the best established companies on this list. They are extremely stable, and offer many discounts on their term, whole, and universal life insurance policies.

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Oxford Life

Oxford Life is dedicated to seniors looking for the best possible life insurance, even offering annuities up to age 80 for low-risk investments.

For the Best Final Expense Insurance in Texas, Call Final Expense Direct

Finding the right company in Houston is an uphill battle, but not with Final Expense Direct. We have even more available final expense providers not included on this list for you to consider as well. No matter your insurance goals, we can find a plan that works for you! Call our office in Houston at 1-877-674-0236.


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