---
title: Final Expense Insurance in Texas: Rates by Age | Coverfolk
url: https://coverfolk.com/states/texas/final-expense
updated: 2026-10-08
---

# Final expense insurance in Texas

Burial insurance for Texas seniors. Sample rates by age, Texas rules that protect you, and what funerals cost.

Updated October 8, 2026[Fact checked](/editorial-standards)

The short answer

About 4,365,000 people in Texas are 65 or older. A $10,000 final expense policy is a common pick. In a published national sample, that costs $33 to $134 a month between ages 60 and 80.

## Sample $10,000 rates by age

| Age | Women | Men |
| --- | --- | --- |
| 50 | $24 | $31 |
| 55 | $28 | $36 |
| 60 | $33 | $43 |
| 65 | $41 | $54 |
| 70 | $53 | $70 |
| 75 | $71 | $97 |
| 80 | $98 | $134 |
| 85 | $136 | $193 |

National sample from Choice Mutual, Rates valid as of March 9, 2026. Not a Texas quote.

## Texas rules

Free look
:   Set by policy

Grace period
:   One month

Guaranty protection
:   $300,000

Help line
:   800-252-3439Texas Department of Insurance

## What a funeral costs

Nationally, the median funeral with viewing and burial was $8,300 in 2023. With cremation it was $6,280. Cemetery costs are extra. [Add up your own](/funeral-cost-calculator).

## Texas cities with the most seniors

[Georgetown 22% 65+](/states/texas/georgetown)[Sugar Land 22% 65+](/states/texas/sugar-land)[Beaumont 17% 65+](/states/texas/beaumont)[New Braunfels 17% 65+](/states/texas/new-braunfels)[Carrollton 17% 65+](/states/texas/carrollton)[Plano 17% 65+](/states/texas/plano)[Tyler 17% 65+](/states/texas/tyler)[Corpus Christi 17% 65+](/states/texas/corpus-christi)

## Common questions

How much is final expense insurance in Texas?

It depends on your age, health and tobacco use. A published national sample puts a $10,000 policy at $41 a month for a 65 year old woman and $54 for a 65 year old man. Prices in Texas may differ.

Is burial insurance the same as final expense in Texas?

Yes. Burial insurance, final expense and senior life are names for the same kind of small whole life policy.

Source: [FTC Funeral Rule](https://consumer.ftc.gov/articles/ftc-funeral-rule) · [NFDA price study](https://content.nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral)

Can I return a final expense policy in Texas?

No general free look period for individual life found in Texas law. If the policy replaces an existing one, you get 30 days (Tex. Ins. Code 1114.053). Texas OPIC says most companies give 10 to 20 days.

Source: [Texas free look law](https://content.naic.org/sites/default/files/model-law-chart-li-30-life-insurance-disclosure-provisions.pdf)

What if I am turned down for health reasons?

Guaranteed issue plans ask no health questions. They usually have a waiting period of about 2 years before the full benefit pays for a death from illness.

## Sources

1. [Choice Mutual, $10,000 Life Insurance Rates](https://choicemutual.com/life-insurance-cost/10000/)
2. [2023 NFDA General Price List Study Shows Inflation Increasing Faster than the Cost of a Funeral (NFDA)](https://content.nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral)
3. [Census ACS 2024 1 year estimates, table based summary file](https://www2.census.gov/programs-surveys/acs/summary_file/2024/table-based-SF/)
4. [Census QuickFacts Texas (ACS 2020-2024)](https://www.census.gov/quickfacts/fact/table/TX/PST045224)
5. [NOLHGA: How You're Protected (coverage as of June 1, 2025)](https://nolhga.com/policyholders/how-youre-protected/)
6. [NOLHGA: Contact My Guaranty Association](https://nolhga.com/policyholders/contact-my-guaranty-association/)
7. [NAIC Model Law Chart LI-30, Life Insurance Disclosure (Fall 2023)](https://content.naic.org/sites/default/files/model-law-chart-li-30-life-insurance-disclosure-provisions.pdf)