PolicySolutionsFinal Expense Insurance in Texas.
Final expense is a smaller whole life policy built to cover funeral, burial, and other end-of-life costs — often with no medical exam — approval is based on your answers to the health questions on the application. Licensed agents compare multiple carriers for Texas residents, so the recommendation fits your situation — not a single company's lineup.
Final Expense Insurance in Texas: the facts
Final Expense Insurance in Texas is available through PolicySolutions, a licensed independent agency (NPN 20612303) that compares 5 carriers for Texas residents. Coverage generally runs $2,000–$50,000 for issue ages typically 45–85.
- Free-look period
- 30 days when the policy replaces coverage you already have. Source. For a brand-new policy, the window that controls is the one printed in your own policy; the Texas Department of Insurance can confirm it.
- State regulator
- Texas Department of Insurance — consumer help
- Licensing
- PolicySolutions is licensed in Texas; verify NPN 20612303 with the Texas Department of Insurance.
- Medical exam
- No medical exam for many applicants (simplified or guaranteed issue)
State facts verified 2026-07-20 against the cited authority. Rates and underwriting vary by carrier and applicant.
What final expense insurance looks like for Texas families
Real numbers depend on your age and health — here's the honest starting point.
What it's sized to cover
The national median funeral with viewing and burial runs about $8,300 (NFDA 2023 General Price List Study), or about $6,280 for a funeral with viewing and cremation. That figure excludes the cemetery plot, burial vault, monument/marker, and cash-advance items. Many Texas families size coverage to that, plus any final medical bills or small debts.
Burial insurance vs. final expense — what's actually different →
A common Texas scenario
For a 65-year-old in Texas considering $15,000 of coverage, a licensed agent compares carriers to find the lowest rate you actually qualify for. Because pricing depends on age and health, we confirm real numbers with you rather than post a teaser rate.
Final Expense Insurance in Texas: the local picture
Texas's life-insurance landscape
Texas anchors one of the country's largest life-insurance markets and is home to major carriers such as Globe Life in McKinney. The Texas Department of Insurance regulates carriers and runs a consumer help line, while the separate Office of Public Insurance Counsel advocates for policyholders' interests statewide, helping residents compare coverage and resolve disputes.
Your Texas consumer protections
If a new policy replaces existing coverage, Texas gives you at least 30 days from delivery to return it for a refund of the premium you paid — time meant for comparing the old policy against the new one before you commit. For a brand-new policy, the review window that controls is the one printed in your own policy. The Texas Department of Insurance regulates insurers operating in the state and publishes consumer guides and complaint resources. You can independently verify any licensed agent or agency through the national NIPR producer database.
How final expense insurance works
- Coverage amount
- $2,000–$50,000
- Issue ages
- typically 45–85
- Medical exam
- No medical exam for many applicants (simplified or guaranteed issue)
- Premiums
- Level premiums that never increase; coverage lasts for life as long as premiums are paid
Final Expense Insurance in Texas — common questions
How much does a funeral cost in Texas?
The national median for a funeral with viewing and burial is about $8,300 (NFDA 2023 General Price List Study), and about $6,280 for a funeral with viewing and cremation. That figure excludes the cemetery plot, burial vault, monument/marker, and cash-advance items. Actual costs in Texas vary by provider and the arrangements you choose.
Do I need a medical exam to buy final expense insurance in Texas?
No medical exam for many applicants (simplified or guaranteed issue). A licensed agent in Texas can confirm which carriers approve you without one.
How do I verify an insurance agency in Texas?
You can look up any licensed agent or agency through the national NIPR producer database, and find consumer resources through the Texas Department of Insurance. PolicySolutions is a licensed independent agency, NPN #20612303.
How much final expense insurance coverage can I get in Texas?
Coverage generally ranges from $2,000–$50,000, for issue ages typically 45–85. A licensed agent helps you size it to what you actually need.
How long is the free-look period if I replace an existing policy in Texas?
Texas gives you at least 30 days from delivery to return a replacement policy for a refund of the premium you paid. Return it to the insurer with a written cancellation request. On a brand-new policy the controlling window is the one printed in your own policy, and the Texas Department of Insurance can confirm what applies to yours. That extra time is meant to let you compare the old and new coverage before you commit — a licensed agent should walk you through both.
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