Do you offer bilingual Spanish service?

Yes. Texas is home to millions of Spanish-speaking families, and Premier Final Expense licensed agents can walk applicants through their options in Spanish.

Licensed in Texas

Burial & Funeral Insurance for Texas Families.

What people typically pay $20–$90 a month for many of the plans we quote, at common ages and coverage amounts.9 Your exact rate depends on your age, health, and the coverage you choose — a licensed agent confirms it before you commit to anything.

With more than 4 million seniors across Houston, Dallas, San Antonio, and Austin, Texas is one of the largest final expense markets in the country. Protect your family from funeral costs of $9,000–$12,000 — with coverage that requires no medical exam and locks in your rate for life.

Ages 45–85 Accepted

No Medical Exam

Level Premiums for Life

Get Your Free Texas Burial Insurance Quote

Takes less than 60 seconds. No obligation.

Step 1 of 2

ZIP Code

Date of Birth

Coverage Amount

✅ Thank you! A licensed Texas agent will contact you within 24 hours.

Your information is 100% private and secure.

Prefer to talk? Call us: (469) 722-3766

A licensed agent answers in under 60 seconds.

Built for Texas

Why Texas Families Choose Us

From the Rio Grande Valley to the Panhandle, we serve every corner of the Lone Star State.

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Bilingual Support Available

Texas is home to millions of Spanish-speaking families. Our licensed agents are ready to serve you en español — no language barrier, no confusion.

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Covers Texas Funeral Costs

With average funeral expenses in Texas running $9,000–$12,000, a final expense plan ensures your family isn't left scrambling to cover the bills.

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No-Medical-Exam Coverage

Most Texans ages 45–85 can qualify, regardless of health history. No medical exam and no blood tests; guaranteed-issue plans ask no health questions, and some plans carry a graded benefit period.

Simple Process

3 Steps to Peace of Mind

No paperwork marathon, no pushy sales — just a quick, friendly path to coverage.

Request Your Quote

Fill out the short form above — under 60 seconds, no medical exam, no obligation.

Talk to a Licensed Texas Agent

A licensed agent calls to compare your best plan options and answer every question — at no cost. Se habla español.

Lock In Your Coverage

Pick the plan that fits your budget and your family is protected — often the very same day.

Texas Coverage You Can Count On

Serving Every Texas Community

From Houston to El Paso, San Antonio to Dallas — we're licensed to protect Texas families statewide.

Texas is the second-largest state in the nation, home to over 30 million people with rich, diverse heritage. Hispanic and Latino families make up nearly 40% of the Texas population — and we proudly serve every community.

Whether you're in a major metro like Houston, Dallas, San Antonio, or Austin, or in a smaller community in West Texas or the Gulf Coast, your family deserves the same quality protection.

Final expense insurance fills a critical gap. Social Security burial benefits cover only $255 — a fraction of what a Texas funeral actually costs. A policy as low as $10,000–$20,000 can cover funeral, burial, and outstanding medical bills completely.

30M+

Texas residents — 2nd largest state

$255

Social Security burial benefit (not enough)

40%

Hispanic/Latino Texans — bilingual service available

Common Questions

Quick Answers for Texas Families

The questions we hear most, in plain English — before you ever talk to an agent.

Do I really not need a medical exam?

Correct — none of the products we quote require a medical exam, blood test, or doctor visit. Some plans ask a few yes/no health questions; others ask none at all. A licensed agent matches you to a plan that fits your health profile.6

Will my premium ever go up?

No. The whole-life final expense policies we write are level-premium — once your monthly rate is locked in, it stays the same for life, regardless of age or changes in health.2

Is there a waiting period before coverage starts?

It depends on the plan. Simplified-issue policies (a few yes/no health questions) typically pay the full benefit from day one. Guaranteed-issue policies (no health questions) usually carry a 2-year graded-benefit period during which natural-cause death returns premiums plus interest; accidental death is covered immediately.8

What if I have pre-existing health conditions?

Pre-existing conditions don't disqualify you. If a simplified-issue plan isn't a fit, a guaranteed-issue plan accepts every applicant in the eligible age range with no health questions. After the 2-year graded period, you have full coverage for life.

¿Hablan español? / Do you offer bilingual service?

Yes. Texas is home to millions of Spanish-speaking families, and our licensed agents can walk you through your options en español — no language barrier, no confusion.

Have more questions? Read the full FAQ or request a callback from a licensed Texas agent.

Product Disclosures

Issue-age eligibility varies by carrier and product. Most carriers offer final expense products to applicants ages 45–85; some offer products outside that range.
"Level premium" means premiums do not increase due to age on most whole life final expense products. Graded and modified benefit plans may apply during the first 2–3 policy years. Premiums are guaranteed level only as stated in your policy contract.
Coverage continues for the life of the insured as long as premiums are paid on time. Policies may lapse if premiums are unpaid past the grace period. See your specific policy contract for all terms.
Response time reflects typical outreach after a quote request during normal business hours and is not a guarantee of policy approval time.
Carrier financial-strength ratings are assigned to insurers, not to PremierFinalExpense. Ratings are current as of each carrier's most recent publication and are subject to change.
Guaranteed-issue plans require no medical exam and no health questions. Simplified-issue plans typically ask a few yes/no health questions but still require no medical exam. Product availability varies by state and applicant age.
Claim payout timelines vary by carrier and depend on receipt of a certified death certificate and complete claim documentation. Most carriers release funds within several business days once claim requirements are met.
Guaranteed-issue policies typically include a 2-year graded-benefit waiting period during which, if the insured dies of natural causes, the benefit paid is a return of premiums plus interest rather than the full face amount. Accidental death is typically covered from day one. Exact terms vary by carrier and state.
The $20–$90 monthly range reflects premiums for many of the final expense plans we quote at commonly requested ages and coverage amounts. It is an illustration, not a quote or an offer of coverage. Actual premiums are set by the carrier and vary by age, sex, tobacco use, health history, state, product type, and face amount. Some applicants will pay less and some will pay more. No rate is binding until a policy is issued.