Texas Burial Insurance Quotes & Rates
Burial insurance is a whole life insurance contract specifically chosen to cover traditional ground burial expenses. Traditional burial involves substantial expenses including the casket, cemetery plot, opening and closing fees, burial vault, grave marker, and funeral home viewing ceremonies.
Ballpark Your Monthly Premium
A simplified formula for budgeting — not live insurer pricing or a quote
Example 20-year level term, healthy non-tobacco applicant.
Not a quote or an offer. Actual premiums depend on the insurer, your state, health, and underwriting and may be higher or lower.
Your Rights When Buying Life Insurance in Texas
Free-look period
After you receive a new policy, you get a set number of days to cancel for a refund of premiums paid. Ten days is common; longer periods often apply to replacement policies or older buyers. The exact period is printed on your policy's cover page.
Grace period
Life policies give you a grace period, commonly about 30 or 31 days, to pay a late premium before coverage lapses. Check your policy for the exact terms.
Guaranty association
Like every state, Texas has a life and health insurance guaranty association that protects policyholders, up to limits set by state law, if a member insurer fails. Limits differ by state and by benefit type.
Complaints & licenses
The Texas Department of Insurance (TDI) licenses insurers and agents in Texas and handles consumer complaints. You can verify an agent's license with the department before you buy.
For Texas-specific rules, go to the Texas Department of Insurance (TDI). To find Texas's guaranty association and its coverage limits, use the NOLHGA directory.
Illustrative Final Expense Monthly Premiums
Example figures for a healthy non-tobacco applicant, to show how age and coverage affect cost. Not quotes, not survey averages, and not any specific insurer's rates.
| Issue Age | Coverage Amount | Term / Plan Type | Male Monthly | Female Monthly | Action |
|---|---|---|---|---|---|
| Age 55 | $10,000 | Lifetime Whole Life | $32.50/mo | $25.10/mo | Call for a quote at age 55 |
| Age 55 | $20,000 | Lifetime Whole Life | $61.20/mo | $48.00/mo | Call for a quote at age 55 |
| Age 60 | $10,000 | Lifetime Whole Life | $39.80/mo | $30.40/mo | Call for a quote at age 60 |
| Age 60 | $20,000 | Lifetime Whole Life | $76.50/mo | $58.90/mo | Call for a quote at age 60 |
| Age 65 | $10,000 | Lifetime Whole Life | $51.30/mo | $38.20/mo | Call for a quote at age 65 |
| Age 65 | $20,000 | Lifetime Whole Life | $98.40/mo | $74.50/mo | Call for a quote at age 65 |
| Age 70 | $10,000 | Lifetime Whole Life | $71.10/mo | $53.80/mo | Call for a quote at age 70 |
| Age 70 | $20,000 | Lifetime Whole Life | $138.20/mo | $104.90/mo | Call for a quote at age 70 |
| Age 75 | $10,000 | Lifetime Whole Life | $104.60/mo | $79.40/mo | Call for a quote at age 75 |
| Age 75 | $20,000 | Lifetime Whole Life | $202.80/mo | $154.20/mo | Call for a quote at age 75 |
How Burial Insurance Works in Texas
Burial Insurance in Texas is regulated under state statutes enforced by the Texas Department of Insurance (TDI). State insurance commissioners oversee insurer solvency, license insurance producers, review policy contract language, and ensure fair claims handling practices.
Funeral & Burial Costs in Texas
Individuals planning traditional earth burial who want to prepay or fund cemetery, plot, headstone, and vault costs. We have not found a reliable published funeral cost median for Texas alone, so the figures below are national. Compare itemized price lists from local funeral homes before choosing a coverage amount.
What Funerals Cost Nationally
We have not found a reliable published median for Texas specifically, so these are U.S. national figures. Prices vary by funeral home, so ask local providers for their itemized price lists.
- Funeral with viewing & burial
- $8,300
- NFDA national median, 2023. Excludes cemetery costs.
- Funeral with viewing & cremation
- $6,280
- NFDA national median, 2023.
- Social Security death payment
- $255
- One-time payment, only to an eligible surviving spouse or child.
- Cemetery costs, such as a plot, opening and closing the grave, and a marker or headstone, are not included in the NFDA medians and can add substantially to the total.
- Under the FTC Funeral Rule, funeral homes must give you an itemized general price list, and you can choose only the goods and services you want.
- NFDA projects the U.S. cremation rate at 63.4% in 2025.
Sources: National Funeral Directors Association (NFDA) statistics; Federal Trade Commission: The FTC Funeral Rule; Social Security Administration: Survivors Benefits.
How to Check an Insurer Before You Sign
Whichever company an agent recommends, these quick checks help you avoid surprises.
- Step 1Confirm the license
Make sure both the insurer and the agent are licensed in your state. Your state insurance department can confirm this.
- Step 2Look up complaint history
The NAIC Consumer Insurance Search shows complaint data and basic company information reported by state regulators.
- Step 3Check current financial strength
Ask the agent for the insurer's current rating from an independent agency such as AM Best, and when it was issued.
- Step 4Read the benefit terms
Ask whether the benefit is level, graded, or modified, how long any waiting period lasts, and what is paid if death occurs during it.
Sources: NAIC consumer resources, including Consumer Insurance Search; NAIC directory of state insurance departments.
Compare Burial Insurance Quotes in Texas
Call (888) 681-6320 to be connected with an independent agent licensed in Texas who can compare options from multiple insurers.
LifePlanQuotes Editorial & Research Team
Independent Consumer ResourceOur editorial team writes plain-language guides on life insurance and final expense coverage, linking to public sources such as the NFDA, FTC, NAIC, and state insurance departments where we cite figures or rules. LifePlanQuotes.com is a free consumer referral service, not an insurance company or agency. When you call (888) 681-6320, you are connected with an independent, third-party agent who must be licensed in your state to discuss your needs and review policy options.
Frequently Asked Questions About Burial Insurance in Texas
Clear answers to common questions about coverage, underwriting, and rates.