Final Expense Life Insurance in Texas 2025: Coverage & Consumer Guide
In Texas, funeral and burial costs typically range between $6,200 and $7,500, according to industry surveys. While that is slightly below the national average, it is still a significant expense for families. Final expense life insurance—sometimes called burial insurance or senior life insurance—provides a small but permanent benefit designed to cover these costs and protect loved ones from sudden bills.
Why Texans consider final expense policies
Unlike larger life insurance policies, final expense insurance in Texas is about immediate practicality. Many households in Houston, Dallas, and San Antonio choose $10,000–$20,000 coverage amounts to ensure basic funeral expenses are handled. Seniors in rural areas also value policies that can be approved quickly without a medical exam.
Policy options available in Texas
- Simplified-issue whole life: no medical exam, health questions required. Lower premiums if you qualify.
- Guaranteed-issue whole life: no health questions, available to almost everyone aged 50–85. Higher premiums and includes a graded death benefit for the first two policy years.
Premium ranges (illustrative)
- Ages 60–65: ~$35–$65/month for $10,000 benefit
- Ages 66–75: ~$65–$110/month for $10,000 benefit
- Ages 76–85: ~$110–$180/month for $10,000 benefit
Insurers such as Mutual of Omaha, Lincoln Heritage, and Americo are active in Texas. Always confirm the company’s financial rating and check Texas-specific complaint history before purchasing.
Texas-specific consumer protections
- Texas Department of Insurance – Consumer Help offers resources on free-look periods, replacement rules, and filing complaints.
- TDI Complaint Record Search lets you review complaint history of insurance companies licensed in Texas.
Five steps for Texas buyers (2025)
- Estimate coverage: Use local funeral estimates in your county to choose the right benefit size.
- Compare at least three insurers: Don’t accept the first offer—rates vary significantly.
- Understand graded benefits: Know exactly what payout applies in the first two years.
- Check TDI complaint data: Research the company’s record before signing.
- Talk with family: Ensure beneficiaries know the policy details and how to claim benefits quickly.
FAQ for Texans
Q. Can I use the benefit outside Texas?
Yes, final expense insurance is portable nationwide. Just keep your address updated with the insurer.
Q. Do veterans in Texas need final expense insurance?
Veterans may have access to burial benefits through the VA, but these often cover only part of the total costs. Many veterans still purchase small policies to fill the gap.
