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Exceptional Final Expense and Burial 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 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 and know about Texas cremation laws and 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 help you truly understand just how burial insurance can help protect you and your family.

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)

How Does the Funeral Rule Work in Texas?

Federal laws for burial or the Funeral Rule applies to all the states. The rule enforced by the FTC has the following provisions:

Funeral Home Pricing

Funeral homes must quote their pricing over the phone and provide a general price list in person. Also, they have to provide a casket and burial container price list if you ask for it. 

Pre-Need Funeral Plans

FTC laws do not apply to the costs, payment options, cancelations, transfers, and administration costs of pre-need plans. 

Contracts

Texas cremation laws mandate an itemized estimates and charges to be provided before signing the contracts. 

What Do You Need to Do for Funeral and Burial in Texas?

The National Funeral Directors Association provides a general list of evaluating the funeral costs in the country. For Texas, the average funeral cost can be around $7196 and includes the costs of:

  • Body preparation
  • Basic service fees
  • Funeral home ceremony
  • Embalming
  • Hearse and service van
  • Metal casket and basic memorial printed package

Death Certificate

According to Texas laws, you must file the death certificate within ten days. It can be obtained from the funeral home and can be requested only by the family members.

Burial Requirements

Texas burial laws state that the body should be embalmed or refrigerated if the final disposition doesn’t happen 24 hours. But, no laws are governing the type of casket you may need.

Cremation in Texas

Per Texas cremation laws, you can scatter the ashes over a public waterway, inhabited public land, or private property with the owner’s consent. 

What Are the Average Funeral Costs in Texas?

San Antonio

Funeral Home’s General Price ListPrices
Basic Services of the Funeral Director & Staff$1,400
Extra Hours$100/hr
Embalming$650
Washing of Body$100
Transfer of Remains (within 25 miles)$275
Service Set-up$500
Off Premise Service$500
Flower Car$75
Direct Cremation (no service)$1,350
Forwarding Remains to Another Funeral Home$1,500
Sign-in Book$120
Cross$25

Fort Worth

Funeral Home’s General Price ListPrices
Basic Services of the Funeral Director & Staff$2,495
Embalming$995
Hearse (3 hours)$395
Staff & Equipment for Church Service$995
Evening Overtime (after 3 pm)$350
Forwarding Remains to Another Funeral Home$2,495
Flower Car$295
Direct Cremation (no service)$1,595
DVD Video Tribute$100
Clean-up Fee$295

How Can You Arrange for Funeral Costs in Texas

Funeral Costs in Texas

Funeral can be obnoxiously expensive in Texas, and if you don’t plan, you’ll leave your loved ones with additional financial burdens. There are several ways to pre-plan these expenses. They include:

Buying a Term Life Insurance

The rates will be lower in term life insurance, but it ends with a pre-specified term. After the policy’s expiry, you have to buy new insurance, which will cost higher than the original policy.

Choosing Pre-Need Insurance

You can buy a pre-need plan directly from the funeral home where you want to be cremated or buried. It may offer a guaranteed or non-guaranteed service. Guaranteed service provides coverage irrespective of your plan’s value and current price inflation. 

If you go for this option, compare several funeral homes to choose an affordable plan.

Finding Burial or Final Expense Insurance

Being the whole life insurance, final expense policy offers lifelong coverage and consistent premiums. The rates can be slightly higher for these policies, but they work for every age group and health condition. 

What Makes Burial Insurance Policies Unique

Burial Insurance Policies Texas

Burial insurance in Texas is pretty 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 Benefits Will Not Go Down
  3. There is No Policy Expiration Because of Age 

How to Find Burial Insurance in Texas

Burial Insurance in Texas

There are three 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?

It is imperative to use care when shopping for final expense insurance in Texas. 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 policy’s life can be high, and the benefits provided are important to your survivors. You should determine what you need. Then, call us with any questions.

What Are the Average Costs of Final Expense Insurance in Texas?

Since burial insurance carriers operate nationwide, the premium rates do not differ according to your location. But, they may depend on your age, gender, coverage required, and current health conditions. Mostly, you can find coverage between $10,000 and $25,000, though some carriers also offer coverage of $50,000. 

The rates are higher for males due to shorter life expectancy. Also, they may differ if you are a tobacco user. 

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 burial insurance in Texas that someone living at a higher rate. It has nothing to do with the cost of your premiums or the coverage amount(s).

Your health and medical history will play a factor in obtaining great low-cost affordable insurance. We urge you to stop procrastinating! This is a valuable financial asset for your family when you pass.

Here are the premium rates based on your age and gender.

Monthly Premium Rates for Men with $5,000 Death Benefit

AgeGood Health condition by InsurerNo Health Questions Asked
50$16$20
55$19$24
60$23$29
65$29$35
70$38$44
75$51$63
80$65$82

Monthly Premium Rates for Men with $10,000 Death Benefit

AgeGood Health condition by InsurerNo Health Questions Asked
50$30$40
55$35$46
60$43$57
65$56$68
70$74$88
75$100$125
80$126$162

Monthly Premium Rates for Women with $5,000 Death Benefit

AgeGood Health condition by InsurerNo Health Questions Asked
50$14$15
55$16$18
60$18$24
65$22$28
70$28$35
75$38$46
80$48$64

Monthly Premium Rates for Women with $10,000 Death Benefit

AgeGood Health condition by InsurerNo Health Questions Asked
50$25$28
55$28$36
60$33$45
65$41$55
70$53$69
75$72$90
80$93$126

What Is the Free Look Period in Texas?

The Texas Department of Insurance allows a free look period of 10-20 days for policies issued. If you cancel your policy within this period, you will get a full premium refund.

How Insurance for Final Expense is Different

Insurance for Final Expense Texas

When choosing Final Expense Insurance, it is critical to work with a licensed, independent agency specializing in final expense.

To find the best final expense insurance, 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 can 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 InsuranceIf you need help with a 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.