Final expense insurance · Texas
Final Expense Insurance in Texas
Direct cremation in Texas: $2,015 median — 1% above the national average.
A direct cremation in Texas has a median cost of $2,015, right at the national median of $1,995, while an immediate burial at $2,890 sits above the national $2,800. Final expense insurance covers those costs with a small whole life policy, usually $5,000 to $25,000, that pays cash directly to your family.
Funeral costsWhat a funeral costs in Texas
Medians from 40 Texas funeral home price lists collected in 2026, beside the national median for each charge ($1,995 cremation, $2,800 burial, $2,195 basic services fee). Funeral-home charges only.
Texas splits the difference: cremation is 1% above national, essentially at it, while burial is 3% above and the non-declinable basic services fee of $2,245 is 2% above. In a state this size the medians hide a wide spread between the big metros and the rest, and the 40 price lists behind these figures make Texas one of the better-sampled states in the set.
Cemetery costs are separate on every one of these figures. A plot, a vault or grave liner, the opening and closing of the grave and a headstone are billed by the cemetery, not the funeral home, and add $2,000–$5,000 or more. For the full itemized picture, including the FTC rules that protect you when you sit down with a funeral director, see how much a funeral costs.
Final expense rates by age
Final expense rates are set by age, gender, tobacco use and health — not by state. A 70-year-old in Texas is quoted from the same tables as a 70-year-old anywhere else. The figures below are market averages for $10,000 of simplified-issue coverage, non-tobacco; they are a benchmark, not a quote.
Monthly premium for $10,000 of coverage, non-tobacco, simplified issue
| Age | Women | Men |
|---|---|---|
| 50 | $30 | $38 |
| 55 | $36 | $46 |
| 60 | $42 | $53 |
| 65 | $50 | $66 |
| 70 | $64 | $84 |
| 75 | $87 | $113 |
| 80 | $125 | $164 |
| 85 | $155 | $203 |
Tobacco use typically adds 25 to 30%. Guaranteed acceptance plans, which ask no health questions, run roughly 40 to 80% more and carry a two-year waiting period before the full benefit applies.
See rates for $20,000 and $30,000 of coverage →Estimate your own monthly range →See which health conditions affect approval →
Some of the carriers we represent
We are appointed with these and other final expense carriers. Availability varies by state.
How much coverage Texas families typically need
- Immediate burial (Texas median)$2,890
- Cemetery costs (plot, vault or grave liner, opening and closing, headstone)$2,000 – $5,000
- Before any service$4,890 – $7,890
- Funeral-home charges (national)$6,415
- Cemetery costs (plot, vault or grave liner, opening and closing, headstone)$2,000 – $5,000
- With the same cemetery costs on top$8,415 – $11,415
Texas burial costs run a little above national, and a metro cemetery in Dallas–Fort Worth, Houston or Austin is more likely to sit toward the top of the $2,000–$5,000 range than a rural one. A Texas family planning a burial with a service should size toward $15,000; cremation with a memorial is comfortably within $10,000.
Then add any outstanding medical bills, small debts and a margin for your family’s immediate expenses. A licensed agent will work through the number with you on the call; the estimator shows what a given amount costs per month at your age.
A real person calls you back.Licensed agents in our Greenwood Village, Colorado office — not a call center, not a robot.
Texas insurance regulation
Texas Department of Insurance
Final expense policies sold in Texas are regulated by the Texas Department of Insurance, whose homepage lets you look up a company or agent and file a complaint. Texas also has a separate Office of Public Insurance Counsel that represents consumers in insurance matters, linked from the department’s site. Ask your agent for their Texas license number.
Common questions
How much does a funeral cost in Texas?
From 40 Texas funeral home price lists collected in 2026, the median direct cremation is $2,015 and the median immediate burial $2,890. Cremation is at the national median of $1,995; burial is above the national $2,800. Cemetery costs are separate and add $2,000–$5,000 or more.
Is burial or cremation the bigger saving in Texas?
Cremation. The gap between Texas’s $2,015 cremation and $2,890 burial medians is about 43% before the cemetery is counted, and choosing cremation also removes the plot, vault and marker. For a Texas family the choice between the two changes the coverage need by several thousand dollars.
How much final expense coverage does a Texas family need?
An immediate burial at Texas’s $2,890 median plus $2,000–$5,000 of cemetery costs is $4,890–$7,890. A full traditional funeral with a viewing and cemetery costs comes to $8,415–$11,415. With medical bills and small debts added, most Texas families land between $10,000 and $15,000.
Do Texas funeral costs differ between Houston and a small town?
The medians above blend both, and the spread inside Texas is wide: 40 price lists across 254 counties is a large sample precisely because the state is. The basic services fee, $2,245 at the median, is the steadiest charge; the cemetery plot is where a Houston, Dallas or Austin funeral pulls away from a rural one. Ask the funeral home for its General Price List — Texas homes must provide it — and compare that fee first.
Who regulates final expense insurance in Texas?
The Texas Department of Insurance licenses the agents and carriers; its homepage has an agent and company lookup and a complaint form. If a dispute goes further, Texas’s Office of Public Insurance Counsel represents consumers in insurance matters.
Prefer we call you? Here is what happens next.
A real person calls you back.Licensed agents in our Greenwood Village, Colorado office.
A licensed agent calls you back
During business hours: Monday to Friday 9 to 7, Saturday 9 to 5, Mountain Time.
We focus on what you actually need
Tell us whether you need help with Final Expense insurance, Medicare or another health coverage question. Your agent reviews the options that apply to your situation.
You decide what fits
We explain the important differences and next steps. If an option makes sense, we can help you move forward. There is no fee for speaking with us.
Sources
- Analysis of more than 1,000 funeral home General Price Lists collected across 50 states, 2026 — state and national medians for direct cremation, immediate burial and the basic services fee (40 Texas price lists)
- Final expense rate figures: published market averages for simplified-issue final expense whole life, 2026 — the same table as final expense insurance rates by age
- Texas Department of Insurance — state insurance regulator
Last updated: September 2026