Best Burial Insurance Carriers for Texas (2026)
Published on May 28, 2026 last updated on May 28, 2026What’s on this page
Top burial insurance companies in Texas for 2026
There are 25 companies licensed to sell burial insurance in Texas. Most are fine. A handful stand out based on price, how they handle health conditions, and whether claims actually get paid without a fight. Here are the five worth your time.
| Company | Coverage | Ages | Waiting period | AM Best | Best for |
|---|---|---|---|---|---|
| ★ AFLAC Our pick | $5,000–$35,000 | 45–80 | None (level plan) | A+ Superior | Overall best value, name you know |
| Aetna | $5,000–$40,000 | 50–89 | None (level plan) | A Excellent | Older applicants, serious health conditions |
| American Amicable | $5,000–$30,000 | 50–85 | None (level plan) | A Excellent | Texas-based, flexible underwriting |
| Transamerica | $1,000–$50,000 | 0–85 | None (level plan) | A Excellent | Larger coverage, paying off debt |
| Americo | $5,000–$40,000 | 40–85 | None (level plan) | A Excellent | Moderate health conditions, good prices |
“None (level plan)” means full death benefit from day one if you qualify for the level coverage tier. Graded or modified plans have a 2-year waiting period.
✓ No medical exam
✓ Coverage from day one
✓ Premiums never increase
✓ Ages 45–80
✓ Accepts COPD & diabetes
✓ No medical exam
✓ A Excellent AM Best rating
✓ Up to $40,000 coverage
✓ Flexible underwriting
✓ No medical exam
✓ A Excellent AM Best rating
✓ Ages 50–85
Side-by-side comparison
The chart below shows what a typical 70-year-old woman in Texas pays for $10,000 in coverage. Men pay more, smokers pay more, and rates go up with age.
Monthly rate — 70-year-old woman, $10,000 coverage (non-smoker)
* Rates are approximate. Call (866) 255-5775 for your exact quote.
What burial insurance costs in Texas by age
The single biggest factor in your rate is your age when you apply. The younger you lock in a policy, the lower your premium for life.
| Age | Woman (non-smoker) | Man (non-smoker) | Woman (smoker) | Man (smoker) |
|---|---|---|---|---|
| 60 | ~$37/mo | ~$46/mo | ~$52/mo | ~$64/mo |
| 65 | ~$48/mo | ~$58/mo | ~$67/mo | ~$80/mo |
| 70 | ~$62/mo | ~$77/mo | ~$86/mo | ~$108/mo |
| 75 | ~$80/mo | ~$101/mo | ~$112/mo | ~$140/mo |
| 80 | ~$101/mo | ~$133/mo | ~$142/mo | ~$185/mo |
| 85 | ~$140/mo | ~$180/mo | ~$195/mo | ~$248/mo |
Texas funeral costs in 2026: what you are actually covering
Average funeral costs in Texas vs. typical policy size
Most Texans buy more than just funeral coverage. The extra covers burial plots, headstones, leftover medical bills, and gives the family breathing room.
Our honest recommendation
For most Texans between 50 and 80 in average health, AFLAC is the first company we would check. Their name has been around for decades, their A+ AM Best rating reflects genuine financial strength, and their final expense whole life plan comes with no medical exam and rates that hold up well against the competition.
That said, AFLAC is not always the right fit.
If you are over 80, or you have conditions like COPD, congestive heart failure, or diabetes, Aetna covers applicants up to age 89 and accepts a longer list of health conditions than most carriers.
American Amicable is worth a close look for Texas seniors specifically. The company is based in Waco, Texas, has been writing policies in this state since 1910, and tends to have flexible underwriting for applicants with moderate health issues.
If you need more than $40,000 in coverage, Transamerica goes up to $50,000 and often offers the lowest rate in that range for applicants in their 60s.
How burial insurance actually works
Burial insurance is a whole life policy with a small face amount, usually between $5,000 and $25,000. There is no medical exam. You answer health questions, and the company either approves you at full coverage, approves you with a 2-year waiting period, or declines you (which is rare). The premium never goes up. The policy never expires as long as you keep paying.
When you pass away, your family calls the insurance company, files a claim with a death certificate, and typically receives a check within a few days. They can use it for anything: a funeral home, medical bills, rent, credit card debt. No restrictions.
Common questions from Texas seniors
Can I get burial insurance if I have diabetes or heart disease?
Yes, in most cases. Diabetes diagnosed after age 40 and controlled with medication is accepted by several carriers, including Aetna and AFLAC, at standard rates. Heart disease is handled differently depending on severity. Do not assume you are uninsurable until you have actually compared quotes.
Is there an age limit for burial insurance in Texas?
Most companies stop at 85. Aetna goes to 89, which makes them the top option for applicants in their late 80s. A few carriers start as young as 40 or 45.
How much coverage do I need?
A basic funeral in Texas runs $7,900 to $9,000 once you add a burial plot and headstone. Most families choose $10,000 to $15,000 just to cover final arrangements with a little room to spare. If you have medical debt or want to leave something for your spouse or children, $20,000 to $25,000 is a more comfortable number.
What is a waiting period?
If your health history does not qualify you for immediate coverage, some companies offer a graded or modified plan. If you pass away in the first two years, your family gets back your premiums plus interest, not the full death benefit. After two years, the full amount is paid.
Will burial insurance affect my Medicaid or Social Security?
Burial insurance proceeds go to your named beneficiary, not to your estate, so they generally do not affect Medicaid. Texas also has a specific burial fund exemption. Rules change, so if Medicaid is part of your situation, confirm with a benefits counselor before buying.
Can my family be turned down for a claim?
The main reason claims get denied is misrepresentation on the application. Answer honestly and there is essentially no scenario where a legitimate claim from a top-rated carrier gets rejected.
How long does it take to get approved?
Most burial insurance applications take 10 to 15 minutes to complete over the phone or online. Approval is usually same-day. Coverage starts the day your first payment is processed.
Get your free Texas burial insurance quote
Our licensed agents compare rates from all the top carriers so you are not stuck with just one company’s offer. No pressure, no junk mail, no obligation.
Call or visit us:
(866) 255-5775www.theburialinsurance.com
Licensed in Texas • Whole life specialists • No medical exam required for most applicants