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Exceptional Final Expense Insurance for Those Living in Texas!

Final Expense Insurance Texas

Are you looking for an affordable final expense insurance policy in the Lone Star State? We love our Texas clients and are here to help with just that, affordable, exceptional Final Expense insurance! 

At Insurance for Final Expense, this is our # 1 mission and it is all we focus on. This means that, we are experts in getting our customers the best of the best in burial insurance at a monthly cost that won’t break the bank… 

Always keep in mind that we can help people across many states to get the premier final expense insurance that we offer. In this article, we will focus on Texas.

Read on to get some important state specific stats about Texas, along with the many things that make Texas such a wonderful place to live/visit. We will also let you know how to find the best final expense insurance policy in Texas and assist you in truly understanding just how burial insurance can help protect you and your family.

Image result for state flag texas

Leading Causes of Death in Texas

RankCause of DeathTotal Deaths
1Heart Disease45,346
2Cancer40,668
3Stroke10,790
4Accidents10,763
5Chronic Lower Respiratory Diseases10,650
6Alzheimer’s Disease9,545
7Diabetes5,832
8Septicemia4,268
9Kidney Disease4,256
10Chronic Liver Disease/Cirrhosis4,107

(note: these statistics are taken from CDC website and the data is for the year of 2017)

Heart Disease

Heart Disease the leading cause of death in Texas and the leading cause of death worldwide. Below is an overview of heart disease.

Heart disease describes an array of conditions that affect your heart. Diseases under the heart disease umbrella encompass blood vessel diseases, such as coronary artery disease;  heart rhythm problems (arrhythmias); and heart defects you are born with, known as (congenital heart defects), among others.

The term “heart disease” is often used reciprocally with the term “cardiovascular disease.” Cardiovascular disease commonly refers to conditions that relate to narrowed or blocked blood vessels that can bring about a heart attack, chest pain (angina) or stroke. Other heart conditions, like those that affect your heart’s muscle, valves or rhythm, likewise are considered forms of heart disease.

Several Different Types of Heart Disease and the Symptoms Associated with Them:

1.  Atherosclerotic Disease. Symptoms can include:  

  • Chest pain, chest tightness, chest pressure & chest discomfort (angina)
  • Shortness of breath
  • Pain, numbness, weakness or coldness in your legs or arms if the blood vessels in those parts of your body are narrowed
  • Pain in the neck, jaw, throat, upper abdomen or back

2. Heart Arrhythmias. Symptoms can include:

  • Fluttering in your chest
  • Racing heartbeat (tachycardia)
  • Slow heartbeat (bradycardia)
  • Chest pain or discomfort
  • Shortness of breath
  • Lightheadedness
  • Dizziness
  • Fainting (syncope) or near fainting
  • Serious congenital heart defects 
  • Pale gray or blue skin color (cyanosis)
  • Swelling in the legs, abdomen or areas around the eyes
  • In an infant, shortness of breath during feedings, leading to poor weight gain
  • Easily getting short of breath during exercise or activity
  • Easily tiring during exercise or activity
  • Swelling in the hands, ankles or feet 3.   

3. Dilated Cardiomyopathy. Symptoms can include:

  • Breathlessness with exertion or at rest
  • Swelling of the legs, ankles and feet
  • Fatigue
  • Irregular heartbeats that feel rapid, pounding or fluttering
  • Dizziness, lightheadedness and fainting    

4. Endocardium. Symptoms can include:

  • Fever
  • Shortness of breath
  • Weakness or fatigue
  • Swelling in your legs or abdomen
  • Changes in your heart rhythm
  • Dry or persistent cough
  • Skin rashes or unusual spots

5. Valvular Heart Disease. Symptoms can include:

  • Fatigue
  • Shortness of breath
  • Irregular heartbeat
  • Swollen feet or ankles
  • Chest pain
  • Fainting (syncope)  

Life Expectancy in Texas with or without Mutual of Omaha Burial Insurance

The average life expectancy in Texas was 79.1 years (in 2018). In all, Texas ranked #25 in average life expectancy. That was an increase of 0.6 from 2010 when the average life expectancy was 78.5 years old.

This means that Texas is in the middle of U.S. states in terms of life expectancy at number 25. But that does not mean that you will pay higher rates for Final Expense insurance that someone living in a higher rate. It has absolutely nothing to do with the cost of your premiums or the coverage amount(s).

Your age and health will play a factor in obtaining great low-cost affordable insurance. But not as much as you may think. We urge you to stop procrastinating! This is a valuable financial asset for your family when you pass.

Some of our Favorite things about Texas

There are too many to list, but these are some of best about Texas. As Davy Crocket famously said, “You may all go to hell and I will go to Texas.”

1. The absolutely BEAUTIFUL landscapes

Because of its large scale, it contains four different types of geographies: the Gulf Coastal plains, East Texas Timbers, Great green plains in Central Texas, and West Texas mountains.

2. That Proud Texan pride

People in Texas just have that tough swagger about them, and a lot of people think Texan egos are overrated. A lot of it can be given credit to the awesome history the state has. That’s right. Don’t mess with Texas.

3. Tasty Texas Sweet Tea

This sugary, sweet goodness is a blessing from above and other states just do not make it the same.

4. The Food

Barbecue, steak, Tex-Mex, chili, chicken fried steak (or anything fried), and pecan pie are a short list out of all the good cookin’ done in Texas.

5. The Music

Texas country is some of the best country music out there! George Strait, Willie, Nelson, Robert Earl Keen, Pat Green, Kevin Fowler, Josh Abbott Band, Casey Donahew Band, and Stoney LaRue make for some of the greatest in Texas country music.

 Shopping for Burial Insurance

It is important to use care when shopping for Final Expense insurance. Luckily, at Insurance for Final Expense, we make it simple for you. Rather than spending endless hours searching captive agencies or haggling with door to door salespeople, we have it all here, in one place!

All you need to do is fill out the final expense insurance quote form on our website, and you can review and compare rates and carriers. The cost of insurance over the life of the policy can be significant, and the benefits provided are important to your survivors. You should determine what you need. Then, call us with any questions.

An Independent Insurance Agency vs. a Captive Agency

Many of you in Texas have seen the commercials (over and over) for AARP burial insurance for seniors, State Farm burial insurance, final expense life insurance from John Hancock, and Colonial Penn Burial Insurance. They are omnipresent whether you have the TV on or are online (computer and phone). They are unrelenting, pushing their insurance products down your through… Here’s the problem, the insurance agents on the other end of the line are only able to sell for one company, theirs

At Insurance for Final Expense, we give you choices. We can do that because we are an independent agency.  We offer a variety of high-quality insurance companies and plans so that you can choice what’s best for you and your loved ones.  Feel free to read all of our burial insurance reviews on out website.

How Does Final Expense Insurance Work?

Final Expense Insurance plans are straightforward, easy to understand policies designed for folks who don’t want to leave their families in financial distress when they die. Burial Insurance policies are simply small-scale whole life policies tailored to cover your final expenses.

Here is what you can expect from a Final Expense Insurance Plan when you deal with Insurance for Final Expense:

  1. Your Premiums are Locked
  2. Your Death Benefit Will Not Go Down
  3. There is No Policy Expiration Because of Age 

Insurance for Final Expense Can Provide Coverage on Day One

After approval, you will be protected on the day of your first payment (unless you have certain major health conditions, in which case a two-year waiting period may be imposed by the insurer).

 Getting You Excellent Final Expense Insurance

Before we reveal our proven record to assist you in finding you a first-rate, affordable final expense insurance policy, let’s consider the following…

There are 3 main components/questions to consider when choosing the final expense insurance policy that best suits your needs.

  1. Is the insurance company financially stable?
  2. Does your coverage require a waiting period?
  3. Do they offer superior rates compared to other final expense insurance companies?

Guess what? We already have a number of policies and carriers that come with an answer to all three of these questions.

So How Do You Find the Best Final Expense Insurance Policy in Texas?

First off, when choosing Final Expense Insurance, it is critical to work with a licensed, independent agency that specializes in final expense.

To find the best final expense insurance in Texas, you really should be working with an independent agency representing multiple burial insurance companies. If you choose to go with one of the big-name advertisers like Colonial Penn or AARP, you are tied to one product, whereas we are able to give you multiple low-cost options.

Working with an independent agency like Insurance for Final Expense is completely free to you. Unlike working with a captive agent, we as independent agents are paid by the insurance companies. It has zero effect on your rates. 

Our Choice: Mutual of Omaha Burial Insurance

If you need help with guaranteed issue or final expense insurance, it would be our honor to assist you. Please call us at 1-800-400-8319. If you would rather that we call you, just fill out the quote form on this page and a licensed agent will be in touch with you promptly.