Is Burial Insurance in Texas in 2026 the Smartest Way to Protect Your Family from Rising Funeral Costs?
- ✅ Nationally licensed life insurance expert with over 30 years of experience
- ✅ Founder of InsuranceForBurial.com
Danny Ray is a nationally licensed life insurance expert and the Founder of PinnacleQuote Life Insurance Experts and InsuranceForBurial.com. With over 30 years of industry experience, he has helped thousands of families across all 50 states secure tailored life insurance solutions—specializing in final expense, term life, and impaired risk underwriting. Danny regularly writes educational content on life insurance, financial planning, and consumer protection. He has been featured as an expert source in leading publications including Forbes, Yahoo Finance, MarketWatch, Nasdaq, GoBankingRates, AOL, and MSN, where his insights help consumers make confident, informed decisions. As the architect of PinnacleQuote.com and insuranceForBurial.com, Danny is known for building transparent, client-first digital experiences that simplify the life insurance process. He is also the voice behind several national campaigns focused on educating seniors and families about affordable, no-pressure coverage options.
When you start pricing burial insurance in Texas, the real question usually isn’t, “Which company is cheapest?” It’s, “If something happened tomorrow, would my family really have $8,000–$9,000 sitting in the bank for a funeral?”
In 2026, the average traditional funeral in Texas is still in that range once you add services, cemetery fees, and a basic marker, and those costs keep creeping up every year. If your savings are thin, or you simply don’t want your kids scrambling to put money together, a small final-expense policy can turn that future bill into a predictable monthly line item.
In this Texas-specific guide, you’ll see real funeral cost data, sample rates by age, and which carriers actually treat Lone Star seniors fairly—so you can decide, with clear numbers, whether burial insurance is the right move for your family or if another strategy makes more sense.
How much does burial insurance in Texas cost in 2026?
In 2026, burial insurance in Texas for a healthy senior typically costs $40–$90 per month for about $10,000 in coverage. Actual premiums depend on age, health, tobacco use, and the company you choose, but most Texans buy between $10,000 and $25,000 to match local funeral and cremation costs.
Final Expense and Life Insurance Texas
Texas burial insurance protects your family from the expenses of common end-of-life situations.
A final expense policy can also help pay down mortgages, make car payments and cover other expected debt – all while giving you peace of mind in knowing they’re taken care of!
Buying burial insurance for seniors in Texas can be tricky, but InsuranceForBurial.com has the best policies to cover you.
The process is similar across state lines and there are plenty of things that all potential customers need to know before they buy their policy from us!
Do not get this confused with state-regulated burial programs you see advertised, ALL burial insurance is regulated.
How Much Does a Funeral Cost in Texas
The average cost of a funeral in Texas is about $6,950 which may seem like an exorbitant amount to pay.
However, it’s actually below the national median!
You see, this number includes not only what you’ll be paying at your local undertaker’s office but also all other expenses related such as flowers or cremation urns for instance – providing families have some extra funds set aside before they begin planning anything final (and many don’t).
How much do funerals cost in Texas?
Planning a funeral in Texas is not an easy task. You will need to plan for the following expenses:
Funerals are expensive, and they can cost different amounts depending on who you work with.
In 2017, the National Funeral Directors Association did a study and found that funeral costs in America have increased by 6% every year for 5 years!
Whether you’re nestled in the coastal areas or residing inland, our goal is to equip you with the knowledge you need to make an informed choice about burial insurance in your Texas hometown:
How Much Does a Cremation Cost In Texas?
The cost of cremation in Texas is about $3,700 with services and just under two thousand dollars without. The average urn costs under $300, but this will vary by provider so be sure to ask around before you buy one!
Whether it is burial costs in Texas or cremation costs you need to divide what is the best decision for you. Overall, a Texas funeral is among the below-average costs nationwide compared to Florida.
What Do Final Expense Life Insurance Policies in Texas Cost
The cost of final expense coverage varies depending on the company and your needs. Below are the best rates available based on age and gender.
Here’s a quote chart to help you get started:
Burial Insurance Rates (Monthly)
Select gender to view rates by age and coverage amount.
| Age of Applicant | $5,000 | $10,000 | $15,000 |
|---|---|---|---|
| 50 | $15.37 | $27.73 | $40.08 |
| 55 | $18.72 | $34.43 | $50.13 |
| 60 | $22.72 | $42.42 | $62.13 |
| 65 | $28.41 | $53.82 | $79.22 |
| 70 | $36.47 | $69.93 | $103.38 |
| 75 | $50.22 | $97.43 | $144.64 |
| 80 | $71.44 | $139.73 | $207.99 |
| 85 | $97.97 | $192.74 | $287.51 |
| 90 | $176.59 | $350.21 | NA |
| 50 | $12.86 | $23.06 | $33.08 |
| 55 | $14.97 | $26.94 | $38.90 |
| 60 | $18.04 | $32.87 | $47.70 |
| 65 | $22.11 | $41.01 | $59.91 |
| 70 | $28.07 | $53.12 | $78.18 |
| 75 | $37.81 | $72.41 | $107.01 |
| 80 | $50.82 | $98.43 | $146.05 |
| 85 | $69.55 | $135.90 | $202.25 |
| 90 | $149.69 | $296.41 | NA |
We have coverage ranging from $2,000-$50,000. Whatever you are looking for you can get a better idea by filling out the form on the right and seeing rates in seconds.
How are the Burial Insurance Rates Calculated
The price of funeral insurance for seniors in Texas can be determined by four factors. These include:
- Your health is the most important factor when it comes to determining what type of burial insurance plan you qualify for. The healthier you are, the more economical your premiums will be and with this specific product once awarded coverage never changes in price no matter how old or young, we may get!
- Securing yourself at an early age through enrolling now before prices increase drastically later due only large-scale aging rates among older generations.
- It’s a well-known fact that men pay more than women for life insurance so gender has to do with it. This is because on average, they live four years longer and have far fewer opportunities to apply accidents or illness as the cause of death in their obituaries prioritizes male deaths over female ones!
- The more coverage you take out, the higher your premiums will be. But it’s a trade-off!
The Lone Star State has a long history of regulation, and that tradition continues in Texas. The state’s Department of Insurance is responsible for regulating the prices that consumers will pay on their policies – after all, what good can happen if you’re paying too much?
**Stay away from gimmicks such as the 995 plan you see late at night on TV!
Compare multiple carriers to ensure you’re getting the best rate for your age and health profile. Why this matters: underwriting “sweet spots” differ by company.
What you learn:
- One carrier may be better for build/BMI, another for meds, another for conditions.
- Rates can change materially with the same coverage amount.
- The goal is best price + strongest approval path.
Facts About Texas Funeral Statistics
Funeral services can be costly, but luckily there’s a range of prices available to suit any budget. Burial in Midland will cost you more than elsewhere throughout Texas:
The average burial costs $7,861 and cremation $6363 is much cheaper than the more expensive cities such as Housten ($8,443) or Corpus Christi ($8,252).
Most Expensive Cities For Burial and Cremation In Texas
Most Cost-Effective Cities For Burial and Cremation In Texas
Not Including:
- A headstone, monument, or marker.
- A cemetery property plot of land and a columbarium
These are all items that can cost you dearly if not planned for beforehand so make sure to consider these costs when deciding how much something should weigh into your budget!
Texas Cremation Laws
Texas law protects the dignity of all humans and prevents any unnecessary handling.
The cremation process must follow strict guidelines, which include waiting 48 hours after death before proceeding with burial or other disposition services.
Some families have a limited amount of time to make arrangements for a loved one who has passed away.
The County Medical Examiner or Justice Of Peace may waive this time limit and allow the family to make arrangements without any cost.
These include such things as emergency situations where immediate disposal is necessary in order to prevent violation against a person’s body right under state law.
There are various funeral homes that offer waivers upon request.
Texas Cremation Statistics
In 2020, Texans decided to be cremated just over 50 percent of the time. It is estimated that in 2030 projections are expecting this number will increase by leaps and bounds in coming years: 68.4 percent!
The law prohibits having one’s remains handled less than 48 hours after death unless waived with a medical examiner or justice-of-the-peace.
There are so many ways to say goodbye.
- You could have your cremated remains scattered on private property if a consenting landowner,
- interred in the cemetery for all those who came before you and beside some rosebushes too!
- Or maybe keep them by their loved ones’ side at home
- Scattered in uninhibited public lands or beaches and rivers
- Columbarium
No matter what they decide there will always be something special about holding onto memories that can never truly die with us.
Look for plans offering immediate day-one coverage for maximum protection. Why this matters: some policies start with limited benefits.
What you learn:
- Some plans have graded/limited benefits early on.
- Day-one coverage can matter most when health is changing.
- Proper shopping helps avoid “surprise” benefit limits.
Leading Causes of Death in Texas in 2022
Dwindling health? No problem!
We have burial insurance companies that work with all of the conditions shown below.
Above all, we can help you. In fact, no matter what your situation might be, we will find a policy just for you and make sure it fits within any budget constraints as well.
A final expense life insurance plan with InsuranceForBurial.com gives Texans more than one option when looking into their options.
Above all, there is always an insurer out there willing to accept even difficult situations such as chronic illness or disability.
So, save money while still being able to enjoy life should anything happen.
What Is The Life Expectancy In Texas
Life expectancy in Texas varies widely depending on factors such as gender, race, and location. According to the most recent data from the CDC, the overall life expectancy in Texas is 76.5 years as of 2021. This number reflects how long a newborn in Texas can expect to live if current health trends continue.
Women in Texas tend to live longer than men, with an average life expectancy of 79.1 years, compared to 73.9 years for men. This gender gap is consistent with national trends, where females typically outlive males.
Geographic differences within Texas highlight even more striking disparities. For example, in some areas of the state, life expectancy can range dramatically by ZIP code. Certain communities enjoy average lifespans approaching 97 years, while others fall below 67 years due to factors like access to healthcare, socioeconomic conditions, and lifestyle.
These figures underscore the importance of preparing for the future, especially when it comes to financial protection. Securing burial insurance today ensures your family won’t face undue financial stress in a time of loss. Waiting can lead to higher premiums or additional coverage restrictions, particularly if health conditions change unexpectedly.
Planning now, while you’re in good health, safeguards your family and provides peace of mind. It’s a proactive step that guarantees your loved ones won’t be burdened with unexpected expenses, no matter where you live or what circumstances you face.
How Long is The Free Look Period In Texas
The free look period for life insurance in most states is 30 days, but Texas offers a whopping 15.
During this time you have the right to refuse an offer and be refunded any money paid!
It’s important to not wait too long to cancel a policy because if you wait, you won’t be able to get a refund. Sometimes, if someone makes a mistake with payments, you may be able to get a refund.
What Kind of Agent Should I work With Captive or Independent?
There are two types of agents you can work with when applying for a policy. What type should I choose?
Captive Agent
Captive agents are one of the most common types of insurance brokers in America. This type has a contractual agreement that allows them to represent only one provider.
In fact, this makes no sense because you aren’t exposed to shopping around for different companies, better coverage, and most of all, BETTER rates.
An example of a captive agent is someone that works at State Farm.
Independent Agent
Meet your perfect match: An independent agent. These professionals can find you the best Texas burial plan for your unique situation and offer lower prices.
They are contracted with multiple carriers being better able to offer you a better-priced, and better-value option policy based on your needs.
Work with an independent agent who can compare rates from multiple providers for you. Why this matters: price + approval odds can vary by carrier.
What you learn:
- Different carriers price the same health profile differently.
- “Best plan” is often the best match for underwriting, not just the lowest price.
- Comparing carriers helps avoid overpaying or landing in the wrong plan type.
How To Find the Best Burial Insurance For Seniors In Texas
Having good health is important. It is important to find a health insurance company that will accept all your health problems.
There are companies out there that can help, so look around and find the best one for you.
The only question now becomes- which ones?
To find the best burial insurance in Texas, work with a final expense agency that represents multiple companies.
InsuranceForBurial.com helps you get the best insurance plan for you. They will look carefully at your health and compare different plans so you can get an affordable plan that is still good quality.
Working with an agency like InsuranceForBurial.com is like having a personal assistant that takes care of all the hard stuff for you.
You literally save time and money by not calling 10 different insurance companies, one phone call does it!
Is Purchasing a Burial Policy for Parents That Live In Texas Ok
Purchasing Burial insurance in Texas is a great way to help cover the costs of burials for loved ones. There are, however some rules you need to follow when applying:
- Your relative will have involvement in this process which means they can sign their name and answer any medical questions that may come up during an interview with an agent or policyholder.
- You cannot take out burial policies without consent from parents as well as other relatives who might require it despite being able to purchase such coverage.
Texas Pre-Need Funeral Insurance
What’s a Texas Prepaid Funeral? It’s more than just planning your funeral arrangements before it happens.
A prepaid funeral plan is governed by the Financial Code in Texas (chapter 154) and has specific permit requirements, so make sure you fully understand these legalities before agreeing to one!
Living Expenses In Texas
The cost of living index for the state of Texas is a surprisingly low 100 when compared to other states.
When you’re shopping, try to find the lowest prices, so you can save money. But no matter how hard you try, there will always be things that are too expensive to buy.
Think carefully before you spend a lot of money on something.
Texas’s cost of living is 93.9, while the average is 100 in the United States
FAQ’s
In 2026, seniors in Texas typically pay somewhere between $45 and $160 per month for burial insurance, depending on age, health, tobacco use, and coverage amount. Many Texans see rates around $100–$150 monthly for policies sized to local funeral costs.
The average burial insurance death benefit in Texas is around $20,000–$25,000. Many seniors choose between $10,000 and $25,000 in coverage to match Texas funeral and cremation costs and leave a small cushion for other final bills.
Often yes. Simplified-issue plans accept many common health conditions with just health questions, not a medical exam. If you’re very high risk or have been declined before, guaranteed-issue policies are available with a graded benefit in the first two years.
Final-expense burial insurance in Texas is usually whole life coverage, so premiums are designed to stay level for life as long as payments are made. Your rate is based on your age and risk at approval and does not go up just because you get older or your health changes later.
Prepaying a funeral home can lock in certain prices, but it ties you to one provider. Burial insurance gives your family tax-free cash they can use at any funeral home in Texas, which often provides more flexibility if plans, prices, or locations change.
Once you’re approved and make the first payment, coverage usually begins immediately. Some plans offer full day-one protection, while others have a two-year graded period for natural causes. Accidental death is typically covered in full from the start.
Yes, many healthy or moderately healthy Texans qualify for level-benefit burial insurance with no waiting period. If your health is more serious, you may still qualify for coverage, but with a graded or return-of-premium benefit for non-accidental death in the first two years.
Minimum burial insurance amounts in Texas can start as low as $1,000–$5,000, while maximums often reach $50,000 or more per policy. Some carriers allow multiple policies, so you can stack coverage if you need a higher total death benefit for your family.
Conclusion
Burial insurance in Texas is a necessary purchase for anyone who might need it.
Whether you are buying this insurance as an individual, or on behalf of your family members, make sure to buy enough coverage and not be afraid to ask questions about the different policies that are available.
With rates like these, there’s no reason why any Texan should live with fear when thinking about what will happen after they die. Get a Quote TODAY!
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