If you're a Texas senior concerned about leaving your family with the financial burden of funeral expenses, you're not alone. With the average cost of a funeral in the state of Texas reaching $8,836 and costs continuing to rise, many families across the Lone Star State are turning to burial insurance for peace of mind.
Burial insurance in Texas offers affordable, guaranteed coverage designed specifically for seniors aged 50-85. With no medical exam required and coverage amounts ranging from $5,000 to $25,000, you can ensure your loved ones won't face unexpected expenses during an already difficult time. Texas residents can get approved in as little as 24 hours with a simple phone call.
Whether you're planning for a traditional funeral, cremation, or simply want to cover final medical bills and debts, burial insurance provides the financial protection your family deserves. Let's explore how Texas seniors can secure affordable coverage and protect their legacy.
Why Texas Seniors Choose Burial Insurance
Texas has a rapidly growing senior population. Texas is home to 5.2 million baby boomers who will all be at least 65 years of age by 2030, making burial insurance planning more important than ever. Here's why thousands of Texas residents are securing coverage:
Rising Funeral Costs Across Texas: The average funeral cost in Texas is $7,103, with cremation services averaging around $5,000. In major cities like Houston, Dallas, and San Antonio, costs can climb even higher. Burial insurance locks in coverage today, protecting your family from future price increases.
No Medical Exam Required: Most Texas seniors qualify for no medical exam burial insurance, regardless of pre-existing health conditions. Burial insurance is a small whole life insurance policy that does not require a medical exam to qualify. Seniors with health conditions can still secure a new policy regardless of their pre-existing health issues.
Fixed Premiums That Never Increase: Your monthly premium stays the same for life, making budgeting easier for Texas seniors on fixed incomes. Whether you're 60 or 80, your rate is locked in and will never go up.
Fast Approval Process: Most Texas residents get approved within 24 hours with a simple 10-minute phone call. No lengthy paperwork, no waiting weeks for a decision. Check your eligibility today and get coverage as soon as tomorrow.
Coverage Options in Texas
Texas seniors have flexible coverage options to match their specific needs and budget. Here's a breakdown of the most popular burial insurance coverage amounts:
| Coverage Amount | Best For | Monthly Premium Range |
|---|---|---|
| $5,000 | Basic cremation, simple services | $30 - $60/month |
| $10,000 | Traditional funeral, burial plot | $55 - $110/month |
| $25,000 | Full funeral, final expenses, debts | $125 - $250/month |
The right coverage amount depends on your specific situation. A $5,000 burial insurance policy works well for Texas seniors planning for direct cremation or simple memorial services. This affordable option typically costs between $30-$60 per month depending on your age and health.
For traditional funeral services with viewing and burial, most Texas families choose $10,000 burial insurance. This coverage amount handles funeral home costs, casket, burial plot, and ceremony expenses. Most Texas final expense policies are between $10,000 and $20,000, which is enough to cover cremation services or funeral costs.
If you want comprehensive protection that covers funeral expenses plus outstanding debts, medical bills, or other final costs, consider a $25,000 final expense plan. This ensures your family has financial breathing room during a difficult time.
How to Qualify for Burial Insurance in Texas
Qualifying for burial insurance in Texas is straightforward, with options available for seniors of all health conditions.
Age Requirements
Most burial insurance policies in Texas are available to residents aged 50-85. If you're a 60-year-old looking for coverage, you'll typically qualify for the best rates with the most options. Seniors in their 70s and even 80s can still secure affordable coverage with guaranteed acceptance options.
The younger you are when you apply, the lower your premiums will be. A 55-year-old Texas resident will pay significantly less than a 75-year-old for the same coverage amount, which is why many seniors choose to secure their policy early.
No Medical Exam Required
One of the biggest advantages of burial insurance in Texas is that no medical exam is required. You are not required to have a medical exam, and the insurance company will only ask a few basic health questions. These questions will concern whether or not you have a history of smoking, drug abuse, heart disease, stroke, or other major health conditions. Most people can qualify.
Even if you have health issues like diabetes, heart disease, or cancer, you can still get approved for guaranteed issue policies. These plans accept everyone regardless of health status, making burial insurance accessible to all Texas seniors.
Simple Application Process
Getting burial insurance in Texas is as easy as a 10-minute phone call. Here's how it works:
- Call our licensed Texas agents at 1-619-507-3889 or start your application online
- Answer a few simple questions about your age, health, and coverage needs
- Choose your coverage amount and beneficiaries
- Get approved in as little as 24 hours
- Coverage begins immediately (or after waiting period for guaranteed issue policies)
Understanding Texas Funeral Costs
Knowing what funerals actually cost in Texas helps you choose the right coverage amount. Let's break down the typical expenses Texas families face:
Traditional Funeral with Burial: The average cost of a traditional full-service burial is $8,836 in Texas. This includes the funeral home's basic services, embalming, viewing, ceremony, casket, and burial plot. In larger Texas cities like Dallas or Houston, costs can exceed $10,000.
Cremation Services: Cremation with a traditional funeral service is $6,289, while direct cremation (without a service) averages around $3,005. Texas has one of the highest cremation growth rates in the U.S., making this an increasingly popular option.
Additional Costs to Consider: Beyond basic funeral expenses, Texas families often face costs for burial plots ($1,000-$4,000), headstones ($1,000-$3,000), flowers ($200-$500), obituaries ($200-$500), and certified death certificates ($20 each). These expenses add up quickly.
- • Traditional Funeral & Burial: $8,836
- • Cremation with Service: $6,289
- • Direct Cremation: $3,005
- • Direct Burial (No Service): $3,005
Planning ahead with burial insurance saves money and stress. The free look period in Texas is 10-20 days, giving you time to review your policy risk-free. Plus, your beneficiaries receive the death benefit tax-free to use however they need.
Want to learn more about whether burial insurance makes sense for your situation? Read our guide on is burial insurance worth it to make an informed decision.
Texas Burial Insurance Regulations
There are no state laws in Texas that regulate burial insurance specifically, but The Texas Department of Insurance (TDI) regulates the state's insurance industry and promotes a stable and competitive market. This ensures that insurance companies operating in Texas meet strict financial and ethical standards.
Texas seniors are also protected by federal regulations. The Federal Trade Commission's Funeral Rule requires funeral homes to provide transparent pricing (in writing) upon request. This means you can shop around and compare funeral home prices before making decisions.
Important Texas-Specific Regulations:
- If the final disposition of the body does not occur within 24 hours, Texas law states the body must be embalmed or refrigerated.
- No law requires a casket for burial, but you'll want to check with your local funeral home and cemetery to see if they have any rules regarding what type of container they accept.
- According to the Texas Health & Safety Code, ashes may be scattered over "uninhabited public land, over a public waterway or sea, or on the private property of a consenting owner."
Texas Burial Insurance FAQs
How much does burial insurance cost in Texas?
Burial insurance costs in Texas vary based on your age, health, gender, and coverage amount. Most Texans pay between $40–$120/month, depending on age and coverage amount. For example, a 65-year-old in good health might pay around $56 monthly for $10,000 in coverage, while an 80-year-old could pay $150-$200 for the same amount. Women typically pay less than men due to longer life expectancy. The best way to find your exact rate is to get a personalized quote from our licensed Texas agents.
Can I get burial insurance in Texas if I have health issues?
Yes! Texas seniors with health issues can absolutely get burial insurance. Most policies offer two types: simplified issue (with basic health questions) and guaranteed issue (no health questions at all). Almost everyone will qualify for final expense insurance. You are not required to have a medical exam, and the insurance company will only ask a few basic health questions. Most people can qualify. Even if you have diabetes, COPD, heart disease, or other conditions, guaranteed acceptance policies will approve you regardless of your health status.
What does burial insurance cover in Texas?
Burial insurance in Texas provides a tax-free cash benefit to your beneficiaries that can be used for any purpose. Texas burial insurance, also known as final expense or funeral insurance, is a kind of whole-life policy that protects your loved ones from common end-of-life expenses. Texas policies can cover funeral costs, medical bills, cremation costs, a burial plot, and anything else that the deceased leaves behind. But this life insurance policy in Texas can also assist family members with car payments, mortgages, and any other debt. Your family decides how to use the funds—there are no restrictions.
How quickly can I get coverage in Texas?
Most Texas residents get approved within 24 hours. The application process takes just 10-15 minutes over the phone or online. For simplified issue policies with no waiting period, your coverage begins immediately once approved. Guaranteed issue policies typically have a 2-year waiting period for natural causes of death, though accidental death is covered from day one. Call us at 1-619-507-3889 to start your application today.
Are there age limits for burial insurance in Texas?
Yes, most burial insurance policies in Texas are available to residents aged 50-85. Final expense policies are available up to age 85 with the possibility of some companies might ensuring you even if you are over the age of 85. The earlier you apply, the lower your premiums will be. A 55-year-old will pay significantly less than a 75-year-old for the same coverage amount, which is why we recommend securing your policy sooner rather than later.
What's the difference between burial insurance and pre-need funeral plans in Texas?
Burial insurance gives your beneficiaries cash to use as they see fit at any funeral home, while pre-need plans lock you into a specific funeral home and services. The free look period is an insurance law that mandates that a policyholder has the right to refuse a contract for any reason. Additionally, they are entitled to a refund of any premiums paid so long as they return the policy within the free look period. The free look period in Texas is 10-20 days. This flexibility makes burial insurance the preferred option for most Texas families who want freedom of choice.
Coverage for Your Texas Neighbors
If you have family or friends in neighboring states, they can also benefit from affordable burial insurance coverage:
- Arizona burial insurance for residents in Phoenix, Tucson, and beyond
- Nevada burial insurance for families in Las Vegas and Reno
- New Mexico burial insurance for seniors in Albuquerque and Santa Fe
Get Started with Texas Burial Insurance
Protecting your Texas family with burial insurance is simple and affordable. Here's how to get started today:
Step 1: Determine Your Coverage Needs
Consider your funeral preferences, outstanding debts, and what you want to leave for your family. Most Texas seniors choose between $5,000-$15,000 in coverage.
Step 2: Get Your Free Quote
Check your eligibility online or call our licensed Texas agents at 1-619-507-3889. We'll provide personalized quotes from top-rated insurance companies at no cost or obligation.
Step 3: Complete Your Simple Application
Answer a few easy questions during a 10-minute phone call. No medical exam, no complicated paperwork, no hassle.
Step 4: Get Approved Fast
Most Texas seniors receive approval within 24 hours. Your coverage can begin as soon as tomorrow, giving you immediate peace of mind.
Step 5: Name Your Beneficiaries
Choose who will receive your death benefit. You can name multiple beneficiaries and update them anytime.
Our licensed agents are standing by to help you find the perfect burial insurance policy for your needs and budget. Call 1-619-507-3889 now or get your free quote online. It only takes 10 minutes to secure your family's future.
Don't leave your loved ones with the financial burden of funeral expenses. With burial insurance rates locked in for life and no medical exam required, there's never been a better time for Texas seniors to secure affordable coverage. Get started today and enjoy the peace of mind that comes with knowing your family is protected.