Affordable final expense coverage for Texas seniors — no medical exam, guaranteed approval available, and premiums that never increase. Protect your family from the financial burden of funeral costs.
A traditional funeral and burial in Texas typically costs $9,000–$15,000 — and that's before medical bills, headstone, obituary, or travel costs for family members.
For most Texas families, that money has to come from somewhere — savings, credit cards, or a family collection. Burial insurance eliminates that burden entirely.
Unlike a prepaid funeral plan, burial insurance pays cash directly to your beneficiary. They can use any funeral home in Texas, and any leftover funds can cover outstanding medical bills or other final expenses.
Average full-service funeral + burial. Source: NFDA & local funeral home estimates.
Simplified issue vs. guaranteed issue monthly rates.
| Age | Simplified Issue | Guaranteed Issue | ||
|---|---|---|---|---|
| Female | Male | Female | Male | |
| Age 55 | $28–$45/mo | $38–$60/mo | $50–$75/mo | $68–$98/mo |
| Age 60 | $36–$58/mo | $50–$78/mo | $65–$95/mo | $88–$128/mo |
| Age 65 | $50–$78/mo | $68–$105/mo | $85–$125/mo | $115–$168/mo |
| Age 70 | $68–$108/mo | $95–$148/mo | $115–$165/mo | $158–$228/mo |
| Age 75 | $100–$155/mo | $138–$210/mo | $158–$228/mo | $215–$315/mo |
*Estimated rates. Actual rates vary by carrier and health class.
Compare burial insurance rates from multiple Texas-licensed carriers. No exam. No obligation. Just answers.
Burial insurance in Texas is a small whole life policy (typically $5,000–$25,000) designed specifically to cover funeral, burial, and related end-of-life costs. It pays an income-tax-free death benefit directly to your named beneficiary, who can use the funds immediately for funeral expenses. It is regulated by the Texas Department of Insurance (TDI).
Rates vary by age, health, and coverage amount. A healthy 65-year-old Texas female can get $10,000 in simplified issue burial insurance for approximately $50–$78/month. Guaranteed issue policies (no health questions) cost more — typically $70–$120/month for $10,000 at age 65. Tower Hill can compare rates across multiple Texas-available carriers instantly.
Yes. All burial insurance policies in Texas are either simplified issue (a few yes/no health questions, no exam) or guaranteed issue (no questions at all). Guaranteed issue is available for Texas residents ages 50–85 regardless of health condition. No doctor visit, no blood draw.
The average funeral in Texas ranges from $9,000 to $15,000 depending on the type of service, casket, burial plot, and city. Houston and Dallas tend to be at the higher end. Adding medical bills and estate costs, many Texas families end up paying $12,000–$20,000 in total final expenses — making a $15,000–$25,000 policy appropriate for most situations.
Many guaranteed issue burial insurance policies in Texas include a graded death benefit period — typically the first 2 years. If the insured passes away within this period from natural causes, the beneficiary receives the premiums paid plus interest (often 10%), not the full death benefit. After 2 years, the full benefit pays regardless of cause of death. Accidental death typically pays the full benefit from day one.
No — they are very different. A prepaid funeral plan through a funeral home is tied to that specific funeral home and may have restrictions. Burial insurance is a life insurance policy that pays cash to your beneficiary, who can use any funeral home and make their own decisions. The cash can also cover medical bills, estate costs, or anything else the family needs.
Tower Hill Corp · TX Agency License #2608479TX · (832) 856-1704 · support@towerhillcorp.com. Rates are estimates. Texas Department of Insurance (TDI) licenses required agents and companies. All carriers shown are TDI-authorized.