Funeral & Burial Insurance in Texas [A Complete Guideline]

If you haven’t purchased burial insurance yet, you might have heard of this term.

Well, burial insurance in Texas is the most commonly purchased insurance compared to other life insurance policies. As its name suggests, it helps your chosen beneficiary and supports them after you die.

The best part of this life insurance is that it comes with several features and monthly payment options. It is incredibly affordable for most seniors in the state.

Additionally, more people can buy burial insurance than other types of insurance plans.

Due to its popularity, it is also easily available in most US states, including Texas.

You can either purchase it directly from the insurance provider or get help from an insurance agent to get your application approved more quickly.

Qualification Requirements For Burial Insurance In Texas

burial insurance requirements

There are no stringent qualification requirements to purchase burial insurance in Texas. In most cases, you need to fall within the age limit and have an income source to pay monthly payments.

Besides that, once you choose an insurance provider, you need to fill out an application.

The application can be one to two pages long or five to ten pages, based on your chosen insurance company. This form includes dozen of questions, such as your blood type, height, weight, level of activity, and family history.

Although filling a form can take time, it’s pretty easy and more accessible than other types of insurance policies where you have to provide proof of your health.

It is also important to note that the coverage you will get depends on the answers you have given.

For instance, if you have a severe health condition, you might get a lower amount of coverage. On the other hand, active and healthy people can avail considerable death benefits.

If you are confused while filling out the form, you can hire an insurance agent who will help you throughout the process.

To apply for insurance, you can use our free comparison tool.

Pre-Qualifying Questions

Here are some questions that you might have to answer in your application.

Note that these are some of the most common questions, and that does not mean that this list is exhaustive.

  • Are you currently hospitalized, bedridden, receiving hospital care, or in a care facility?
  • Have you tested positive for AIDS or HIV?
  • Are you suffering from a heart condition (i.e. Angina) or have experienced a heart attack, or undergone heart surgery?
  • Do you have cancer?
  • Are you suffering from any disease related to the circulatory system, such as stroke?
  • Do you have congestive heart failure?
  • Do you have dementia or Alzheimer’s disease?
  • Have you suffered from drug or alcohol abuse?
  • Are you currently taking any medications?
  • Did you get any treatment for the condition mentioned above?

These questions only help insurance providers understand your health condition, such as whether you are completely fit or suffering from a mild or chronic health problem.

So, even if you have said yes to most of the questions mentioned above, you will still qualify for this insurance.

What Is Burial Insurance?

what is burial

I believe you know what is burial insurance and how it works.

Still, I will explain it in my way to make sure you don’t have any confusion and questions in your mind.

Burial insurance is also known as funeral insurance and is a form of life insurance that pays for various funeral costs, such as embalming and funeral services after death.

The policy provides your family with enough funding that they can easily pay for your final expenses.

Not to mention, this insurance is also designed for seniors who find it challenging to qualify for other types of insurance policies.

The best part is that you get peace of mind knowing that your family and friends don’t have to arrange hefty funding for your funeral.

You also need to know that the qualifying process is pretty easy. The applicant also has several options when it comes to burial insurance in Texas.

You can pick an affordable policy that works best based on your needs and requirements.

Most of the policies come with lifetime options. Therefore, no matter when you die, your family will get a good amount of death benefits.

The insured also has the freedom to choose the beneficiaries. You can pick your friend, family, or anyone who will get the death benefit when you die.

How Does Burial Insurance Work?

Funeral insurance policies cover all the funeral expenses, like prepaid plans.

But, unlike prepaid or preneed funeral packages, you can use the burial insurance money to pay for probate fees, outstanding debts, or other types of expenses.

Your family and friends have the freedom to use the death benefit for any necessary expenditure.

On the other hand, you can choose anyone as your beneficiary, while in a preneed plan, your money directly goes to the funeral home.

Most importantly, burial insurance offers you several options that you can’t get from other policies.

Here are some features of funeral insurance plans.

  • Your insurance plan can increase in value over time. In fact, it is similar to a savings account, as the balance increases with time while you are making the payments.
  • The insured has to pay for a specific amount of money throughout their life.
  • You can buy this insurance through an agent. Hence, your agent will help you get all the benefits promised by the insurance provider.
  • Your policy will stay in place even if you get seriously ill after purchasing the policy. There will be no changes in your premiums, and your beneficiaries will get the specified death benefit after your death.
  • Final expense insurance is also available for people with some health problems.
  • Some insurance providers offer additional benefits if the death happens due to an accident.
  • You don’t have to pay for the insurance all at once. Based on your preferences, you can choose weekly, monthly, or yearly payments.
  • You have several insurance providers to choose from. Plus, in some companies, there is no geographic limitations and policy term.
  • An insured can also borrow against the tax-deferred dividend value of their burial insurance policy. So, if you find yourself in an emergency, you will have a line of credit to use.

There are no limitations and concerns, like the prepaid or preneed plans that you have to worry about.

Benefits Of Burial Insurance

what are the benefits funeral insurance in Texas

Burial insurance is one of the most popular and preferred plans for seniors in Texas. There are several reasons for its popularity in different states, like- Florida, California, Texas, etc.

These include:

Easy Availability

Typically, the age limits for burial insurance coverage in Texas are 45 to 85. Therefore, seniors who are not eligible to apply for other types of insurance can opt for this one.

On top of that, people with a health condition can also apply for this coverage plan.

Some insurance providers also allow an individual with poor health to purchase insurance. The best part is that you don’t have to pay additional fees or higher monthly payments.

No Medical Exam

We all know that the insurer has to go through an extensive medical checkup and multiple tests to prove that they are healthy and active.

Moreover, if the medical exam identifies health conditions, there is little chance that you will qualify for the insurance.

On the contrary, when purchasing funeral insurance, you don’t have to take any test or visit your doctor. The insured is only required to fill out a questionnaire.

They also need to provide a prescription history that helps the insurance provider understand your health condition.

Excellent Death Benefit

You can get considerable funding in the form of death benefits to support your family when you die.

Generally, the death benefit you can get is between $5,000 and $25,000. This amount of money is enough, and it pays for the entire funeral ceremony.

Some companies also offer a $50,000 death benefit. Make sure to check the amount of money your beneficiaries can get after your death to make an informed decision.

Another appealing feature of the insurance is that you can choose the death benefits based on your needs.

For instance, if you don’t want a significant lump sum amount for your funeral because you have already saved some money for that time, you can purchase a plan with a lower death benefit.

Support For Your Loved Ones

We all want to keep our family away from worries and challenges. If you want to support your loved ones even when you are not around them, this option is best for you.

Your friends and family don’t have to borrow money to pay for your funeral.

If you have opted for a higher death benefit plan, your loved one can also use half of the money to pay for other expenses, such as mortgage payments, utility bills, or any debts you have left behind.

Furthermore, you get peace of mind and live a happy and stress-free life.

Steady Premiums

Whether you choose to pay weekly, monthly, or yearly, the payment amount stays the same throughout the policy.

This way, you never have to break your budget to pay for premiums.

Drawbacks Of Burial Insurance

Burial insurance has several advantages, but it also has some drawbacks. Here are some disadvantages that you may need to consider while deciding.

Lower Maximum Death Benefit

Although the face value is great to cover the expenditures related to a funeral in Texas, your beneficiaries might find it challenging to pay your other debts, such as utility bills.

Plus, this amount is not sufficient to support your family for a long time.

Therefore, if you think that your family might need a significant amount of money after your death, then this is not the right option for you.

Policy For Seniors

In most cases, the insurance policy comes with a minimum age limit of 45. This makes burial insurance entirely for seniors in Texas.

So, if younger people want the best insurance policy in Texas, they might have to look for other options.

Facts About Burial Insurance In Texas

There are several things that you need to look at before choosing a burial insurance plan.

Here are some things that you need to keep in mind.

Look For The Amount Of Coverage

The average funeral expense in Texas is more than $7,000 which can increase based on the funeral services you want.

Therefore, you need to choose a policy that can cover the expected expenses of your funeral.

Plus, if you want to leave money for your children and spouse for other expenditures, you need great money for the death benefit.

So, consider the amount of the death benefits before making any decision.

Ensure The Credibility Of The Insurance Provider

Unfortunately, some insurance providers that claim to help you and make several promises are not trustworthy and credible.

They might have some hidden fees or hidden requirements that you discover when you finally purchase the insurance.

This is why always look for the best insurance companies in Texas. If you don’t have any background in this field, you can get the help of insurance agents like us.

We can help you understand the pros and cons of each company and which one is best for you.

Check Requirements

While many excellent insurance companies are working in Texas, you may not be eligible to apply for all of them.

This is why you need to check each requirement and ensure that you can easily qualify for it. Check the age, health, income, and other conditions before making any decision.

Hire An Insurance Agent

When you are planning to purchase an insurance policy, it’s best to hire experienced and skilled individuals in the field.

We professionals know all the insurance providers. On top of that, We also know which providers are credible enough to work with.

You can also discuss your needs and requirements with us to find the best option for you.

Who Is The Best Candidate For Burial Insurance?

Burial instance is one of the best types of life insurance.

You might be a good candidate for this insurance if you fall in any of the following categories:

  • You haven’t purchased any life insurance plan.
  • You don’t have significant savings.
  • You haven’t planned to pay for your funeral expenditures in advance.

However, if any of the following conditions applies to you, then you are not a good candidate for burial insurance.

  • You have already made a plan for your funeral.
  • You have paid all the funeral-related expenses.
  • You have a life insurance plan that can cover your funeral expenditures.
  • You have saved a great amount of money to help your family cover your funeral services.

It is important to note that even if you have an excellent life insurance policy or your family is in good financial condition, it’s best to opt for burial insurance.

It’s a good way to ensure that your family does not have to pay for your funeral with their funds.

You will also live a happy and peaceful life knowing that your family doesn’t have to deal with the added pressure during the difficult time when you have left them.

Also, if you have sizeable assets, you can opt for insurance. Your assets and money can help your spouse and children live a stress-free life when you die.

Your children can even use that money for educational purposes.


Burial insurance is a life insurance policy that offers financial assistance to your family so that they can pay for your final expenses.

Your beneficiaries can cover various costs, such as marker, cemetery, monument, flowers, casket, embalming, transport, burial, service fee, and other funeral expenditures.

In most cases, the money your family gets is enough to pay off your debts and bills. If you have purchased insurance with a huge death benefit, your child can also use it to pay for their educational expenses.

There are some requirements that you need to meet before getting the insurance, such as age limits, health conditions, and income.

You also need to designate a beneficiary that can be your family member or friend. Your beneficiary will get the death benefit amount they can use for any purpose.

Linda Chavez

I'm a burial & senior life insurance expert, independent agent, Founder & CEO of Seniors Life Insurance Finder. I have been working in this sector since 2004 and established my own company in 2014. I have a team of seven members, and we are trying hard to share the knowledge we've gathered. We know how difficult often it is to find an affordable policy. Hence, we are doing our best to help you.