Protect your family from out-of-pocket funeral and burial costs. Coverage from $5,000 to $50,000 — no medical exam, no waiting, no surprises.
Most families don't have $10,000–$15,000 in cash on hand to cover an unexpected funeral. Without final expense coverage, that cost falls directly on your spouse, children, or other loved ones — often at the worst possible moment.
Final expense insurance gives you a modest but targeted death benefit that goes directly to your beneficiary — tax-free — to cover exactly these costs.
Because it's whole life insurance, the policy never expires and your premium never increases. You pay the same rate at 85 as you did when you first enrolled.
The right type depends on your health. Tower Hill helps you qualify for the best option available.
No medical exam, no health questions. Coverage approved immediately for ages 50–85. A 2-year graded period applies; after that, the full benefit pays.
A few yes/no health questions — no medical exam. Typically offers higher coverage amounts and lower rates than guaranteed issue for healthy applicants.
For applicants in good health, level benefit policies pay 100% from day one — no graded period. The lowest cost option for eligible applicants.
Simplified issue rates for a healthy applicant in Texas. Guaranteed issue rates are higher.
| Age | Female | Male |
|---|---|---|
| Age 55 | $28–$45/mo | $38–$60/mo |
| Age 60 | $36–$58/mo | $50–$80/mo |
| Age 65 | $48–$78/mo | $68–$105/mo |
| Age 70 | $68–$110/mo | $95–$150/mo |
| Age 75 | $100–$155/mo | $138–$210/mo |
*Sample rates only. Actual rates vary by carrier, health class, and state. Get an exact quote below.
We shop multiple carriers to find you the best rate and underwriting for your health profile.
Get a free final expense quote in under 2 minutes. No exam. No pressure. Coverage as low as $28/month.
Final expense insurance is a small whole life policy designed to cover end-of-life costs — funeral, burial, outstanding medical bills, and other expenses your family would otherwise pay out of pocket. It provides a modest death benefit (typically $5,000–$25,000) that pays directly to your beneficiary, income-tax-free.
The terms are used interchangeably. "Burial insurance" and "funeral insurance" describe the same product — a small whole life policy intended to cover end-of-life expenses. Final expense is the broader term; burial insurance specifically emphasizes funeral and burial costs.
Yes. Guaranteed issue final expense policies accept all applicants ages 50–85 with no health questions asked. If you have serious conditions like heart disease, COPD, cancer, or kidney disease, guaranteed issue is designed for you. A 2-year graded benefit period typically applies: if you pass away within the first two years, your beneficiaries receive the premiums paid plus interest rather than the full benefit.
No. Final expense policies are either guaranteed issue (no questions at all) or simplified issue (a few yes/no health questions, no physical exam). Both routes are designed for seniors who may have difficulty qualifying for traditional fully-underwritten life insurance.
Rates depend on age, coverage amount, and health. A 65-year-old female in Texas can typically get $10,000 in coverage for approximately $48–$78/month depending on the carrier and underwriting class. Guaranteed issue policies cost more than simplified issue for the same coverage amount. Tower Hill can compare rates across carriers instantly.
The average funeral in Texas costs $9,000–$15,000. Adding $5,000–$10,000 for medical bills, legal fees, and other final expenses, most families find $15,000–$25,000 in coverage to be appropriate. If you want to also cover a modest bequest or outstanding debts, $25,000–$50,000 may be a better fit.
Yes — final expense policies are whole life insurance. They never expire as long as premiums are paid, accumulate a small cash value, and have a level premium that never increases. This is intentional: a policy for end-of-life planning should not be something you can "outlive."
Tower Hill Corp · TX Agency License #2608479TX · (832) 856-1704 · support@towerhillcorp.com. Coverage amounts and rates shown are estimates based on carrier data and may vary. A licensed Texas insurance professional will confirm exact rates and eligibility.