Best Final Expense Insurance in Texas (2025): Compare Plans & Costs
Written by Daniel Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
Are you living in Texas and worried about the rising cost of funerals? You’re not alone. The average funeral in Texas now exceeds $8,500. Many families are left scrambling to pay burial costs during emotional times—but you don’t have to be one of them.
This 2025 guide will help you confidently choose the best final expense insurance in Texas. We’ll compare trusted providers, sample rates, and policies that require no medical exam.
What Is Final Expense Insurance and Why Texans Need It
Final expense insurance, also known as burial insurance, is a small whole life insurance policy designed to cover end-of-life expenses.
Key Features:
- Available for Texans aged 45–89
- No medical exam
- Fixed monthly premiums that never increase
- Lifelong coverage that builds cash value
- Fast approval—most within minutes and some within 24 hours
- Voice, Security Code, or Electronic Signatures options making it really convenient
Final expense insurance in texas for seniors is especially important as burial costs, cremation fees, and final bills continue to rise across the state. It’s always best to lock up coverage now rather than later as you will only pay more the longer you wait.
What Final Expense Insurance Covers in Texas, see below.
💰 Average Cost of Funeral Services in Texas (2025)
Source: Funeralocity.com
*Ballpark Quote
How Much Does Final Expense Insurance Cost in Texas?
Monthly premiums vary depending on age, gender, and health, but here’s a look at average rates for coverage amounts of $5,000, $10,000, and $15,000 policies:
Male Burial Insurance Rates
| Age | $5,000 | $10,000 | $15,000 |
|---|---|---|---|
| 50 | $15.37 | $27.73 | $40.08 |
| 55 | $18.72 | $34.43 | $50.13 |
| 60 | $22.72 | $42.42 | $62.13 |
| 65 | $28.41 | $53.82 | $79.22 |
| 70 | $36.47 | $69.93 | $103.38 |
| 75 | $50.22 | $97.43 | $144.64 |
| 80 | $71.44 | $139.73 | $207.99 |
| 85 | $97.97 | $192.74 | $287.51 |
| 90 | $176.59 | $350.21 | N/A |
Female Burial Insurance Rates
| Age | $5,000 | $10,000 | $15,000 |
|---|---|---|---|
| 50 | $12.86 | $23.06 | $33.08 |
| 55 | $14.97 | $26.94 | $38.90 |
| 60 | $18.04 | $32.87 | $47.70 |
| 65 | $22.11 | $41.01 | $59.91 |
| 70 | $28.07 | $53.12 | $78.18 |
| 75 | $37.81 | $72.41 | $107.01 |
| 80 | $50.82 | $98.43 | $146.05 |
| 85 | $69.55 | $135.90 | $202.25 |
| 90 | $149.69 | $296.41 | N/A |
Rates for smokers and those with pre-existing conditions are typically higher. The good news? There are guaranteed issue life insurance options available if you’ve been declined in the past.
Texas Final Expense Quote Calculator:
*Ballpark Quote
Best Final Expense Insurance Companies in Texas
If you’re shopping for cheapest final expense insurance in texas, here are the top carriers trusted by Texans in 2025:
Top Final Expense Carriers in Texas:
- Plans: Level (45–85), Graded (45–80)
- Face Amounts: Level: $2K–$50K, Graded: $2K–$20K
- Graded Terms: Y1–2: Return + 10%, Y3+: Full
- Riders: ADB, Optional Accidental
- Underwriting: No exam, health questions
- Plans: Level (40–89), Modified (40–75)
- Face Amounts: Up to $50K
- Graded Terms: Y1–2: 110% Return, Y3+: Full
- Riders: ADB, Accidental, Child Term (Level Plan Only)
- Underwriting: No exam, health questions
- Plans: Level / Modified (50–85)
- Face Amounts: Level: $2.5K–$35K, Modified: $2.5K–$20K
- Graded Terms: Y1: 105%, Y2: 110%, Y3+: Full
- Riders: None specified
- Underwriting: No exam, instant decision
- Feature: Free LegacyShield® access
- Plans: Level (45–80), Modified (45–75)
- Face Amounts: Level: $5K–$50K, Modified: $2K–$25K
- Graded Terms: Y1–2: Limited, Y3+: Full, Accidental: Full Day 1
- Riders: ADB, Accidental, Child Term (Level Plan Only)
- Underwriting: No exam, health questions
- Plans: Preferred, Standard, Basic (Graded)
- Face Amounts: Preferred: $35K, Standard: $20K, Basic: $15K
- Graded Terms: Y1–2: Premiums + 10%, Y3+: Full
- Riders: ADB, Common Carrier, Family Health (All Plans), Optional Accidental (Preferred Only)
- Underwriting: No exam, health questions
*Ballpark Quote
Texas-Specific Considerations
Final expense policies in Texas are regulated by the Texas Department of Insurance. Here are some unique local points to consider:
- No medical exam options are widely available for Texans
- Medicaid does not cover full burial costs—only partial assistance
- Texas has one of the highest cremation growth rates in the U.S.
- final expense insurance in texas open now through licensed agents and online quote forms
Texans should look for agents or platforms licensed in the state, especially if considering online appointments final expense insurance in texas.
People Also Ask
What is the best final expense insurance in Texas?
Top picks include Mutual of Omaha, Aetna, and SBLI due to flexible underwriting and fair pricing.
How much is burial insurance per month in Texas?
Most Texans pay between $40–$120/month, depending on age and coverage amount.
Can I get final expense insurance without a medical exam in Texas?
Yes. Most carriers in Texas offer simplified or guaranteed issue plans—no exam required.
Is Aetna final expense available in Texas?
Yes. Aetna’s final expense product is available and popular among independent agents in Texas.
Related Articles
FAQ
Policies start at $2,000 with most carriers.
Yes. All policies can be used toward funeral, cremation, or medical expenses.
Some plans offer immediate coverage, while others include a 2-year graded death benefit. Answering health questions IS THE ONLY WAY you can get immediate coverage!
Yes. Licensed Texas agents can help you apply over the phone. Some platforms also allow online applications.
Conclusion
Wouldn’t it feel good knowing your family won’t have to cover the cost of your funeral? With a simple final expense policy, you can get peace of mind in less than 15 minutes—without a medical exam.
The best final expense insurance in Texas is the one that fits your budget, needs, and health situation. Compare options now before premiums rise with age.
“Compare Final Expense Quotes in Texas – No Medical Exam Needed”
*Ballpark Quote
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