Protect your Texas family from out-of-pocket funeral and burial costs. Compare burial insurance rates from 60+ TX-licensed carriers — no medical exam required, no waiting.
With over 3.9 million Texans over age 65 — and that number growing every year — final expense planning is one of the most important financial decisions a Texas senior can make. Most families simply don't have $10,000–$15,000 in liquid cash to cover an unexpected funeral.
Final expense insurance gives your beneficiary a modest, targeted death benefit paid directly to them — income-tax-free — to cover exactly these costs. No probate. No waiting. No out-of-pocket burden on your family.
Because it's whole life insurance, your premium is locked in forever. You pay the same rate at 85 as you did when you enrolled, and the policy never expires as long as you keep paying.
The right type depends on your health. Tower Hill helps Texas seniors qualify for the best available option.
No medical exam, no health questions. Coverage approved immediately for Texans ages 50–85. A 2-year graded period applies; after that, the full benefit pays.
A few yes/no health questions — no physical exam. Typically offers more coverage at lower premiums than guaranteed issue for healthy Texas applicants.
For healthy Texans, level benefit policies pay 100% from day one — no graded period, lowest premiums. Best value for eligible applicants.
Simplified issue rates for healthy applicants in Texas. Guaranteed issue rates are higher; get an exact comparison below.
| 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 classification, and underwriting. Request an exact quote for your age and health profile.
We shop multiple TDI-licensed carriers to match you with the best rate for your specific health profile.
Plus 50+ additional A-rated carriers on the Back9 network. Availability varies by age and health profile.
Tower Hill is licensed to serve residents in every Texas city and county. Apply from anywhere in the state.
Answer a few questions about your age and coverage needs. We compare rates from 60+ Texas-licensed carriers in real time — no obligation, no pressure.
Review your personalized quotes side by side. A licensed Texas advisor is available to answer questions and help you pick the right plan for your situation.
Complete your application online. Simplified issue approvals are often same-day. Guaranteed issue is immediate. Coverage begins as soon as your first premium is processed.
Get a free final expense quote in under 2 minutes. No medical exam. No pressure. Coverage from $28/month.
Final expense insurance in Texas is a small whole life policy designed to cover end-of-life costs — funeral, burial, outstanding medical bills, and other debts your family would otherwise pay out of pocket. Texas seniors ages 50–85 can qualify without a medical exam, and coverage ranges from $5,000 to $50,000. The Texas Department of Insurance (TDI) regulates all final expense policies sold in the state, ensuring consumer protections apply.
Rates depend on your age, gender, coverage amount, and health. A 65-year-old female in Texas typically gets $10,000 in coverage for $48–$78/month depending on carrier and health class. A 65-year-old male pays $68–$105/month for the same amount. Guaranteed issue policies cost more than simplified issue because no health screening is required. Tower Hill compares rates across multiple Texas-licensed carriers to find your best option.
Yes. Guaranteed issue final expense policies accept all Texans ages 50–85 with no health questions asked. If you have conditions like COPD, heart disease, cancer, or kidney disease that might disqualify you from traditional life insurance, guaranteed issue is specifically designed for you. A 2-year graded benefit period typically applies — if you pass away within the first two years, your beneficiary receives premiums paid plus interest rather than the full benefit.
"Burial insurance," "funeral insurance," and "final expense insurance" all describe the same product in Texas — a small whole life policy designed to cover end-of-life expenses. The terms are interchangeable. Final expense is the broader term; burial or funeral insurance specifically emphasizes covering funeral home and cemetery costs.
No. Final expense policies available to Texas residents are either guaranteed issue (no health questions at all) or simplified issue (a few yes/no questions, no physical exam). Neither requires a doctor visit, blood draw, or any medical testing. Approval can happen the same day you apply.
The average funeral in Texas costs $9,000–$15,000. Adding $5,000–$10,000 for outstanding medical bills, legal fees, and other final expenses, most Texas families find $15,000–$25,000 in coverage appropriate. If you also want to cover remaining debts or leave a small legacy, $25,000–$50,000 may be a better fit. Tower Hill offers a free needs assessment with no obligation.
Yes. All final expense policies in Texas are whole life insurance. They never expire as long as premiums are paid, accumulate a small cash value over time, and carry a level premium that never increases — critical for seniors on a fixed income. This is intentional: a policy designed for end-of-life planning should not be something you can outlive.
Yes. The Texas Department of Insurance (TDI) licenses and regulates all insurance carriers and agents operating in Texas. Tower Hill Corp is licensed under TX Agency License #2608479TX. Every carrier we work with holds an active TDI license and is rated by A.M. Best. You can verify any carrier or agent license at tdi.texas.gov.
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 by applicant health and underwriting class. A licensed Texas insurance professional will confirm exact rates and eligibility. Products are regulated by the Texas Department of Insurance (TDI). Tower Hill Corp is an independent insurance agency and is not affiliated with any government program.