Spare Your Family the Funeral Bill

A final expense policy pays a lump sum your loved ones can use for funeral and burial costs so they are not left scrambling when they are already grieving. Coverage typically ranges from $5,000 to $25,000, premiums stay level for life, and no medical exam is required.


Reviewed by Raymond Scott, Independent Insurance Broker

Most People Qualify

Even With Health Conditions

The biggest reason people put this off is fear they won't be approved. That concern is understandable, but it stops a lot of people from getting covered when they still can.


Most final expense policies are simplified issue or guaranteed issue. That means no medical exam, no blood draw, and no lengthy underwriting process. Many carriers we work with accept applicants between ages 50 and 85, and approval often comes down to a few basic health questions — or no questions at all for guaranteed issue policies.


If you have diabetes, COPD, heart disease, or other conditions, there are still options available. We work with multiple A-rated carriers specifically because different carriers have different underwriting standards. We find the one that fits your situation.


What a Final Expense Policy Actually Covers

The benefit is paid as a lump sum to your named beneficiary. There are no restrictions on how it's used. Most families apply it toward:


  • Funeral home and burial or cremation costs

  • Casket, urn, or grave marker

  • Cemetery fees and plot costs

  • Outstanding medical bills or end-of-life expenses

  • Any remaining debts or household costs

Because it's a whole-life policy, coverage does not expire as long as premiums are paid. The benefit amount does not decrease over time.

How Much Does Final Expense Insurance Cost in Texas?


Premiums depend on your age, the benefit amount you choose, and the carrier. For most seniors in the Coastal Bend, a $10,000 policy can cost anywhere from $30 to $80 per month depending on those factors. Guaranteed issue policies carry slightly higher premiums than simplified issue, because the carrier accepts all applicants regardless of health.


The best way to know your actual cost is a short conversation with us. We compare rates across our carrier network and show you the options side by side — no pressure, no commitment required.

Common Questions About Burial Insurance

  • What is the difference between final expense insurance and burial insurance?

    They refer to the same type of policy. "Final expense insurance," "burial insurance," and "funeral insurance" are all common names for a small whole-life policy designed to cover end-of-life costs. The benefit pays out to your beneficiary as a lump sum they can use for any related expenses.


  • How much does final expense insurance cost in Texas?

    For most Texas seniors, premiums range from roughly $30 to $80 per month for a $10,000 policy, depending on age and the type of policy. Guaranteed issue policies are priced slightly higher than simplified issue. We compare options across multiple carriers to find the most competitive rate for your age and health profile.


  • Can I get burial insurance with no medical exam near me?

    Yes. Most final expense policies we offer are simplified issue or guaranteed issue, meaning no medical exam is required. Many are available to applicants between ages 50 and 85, and some carriers ask no health questions at all. We serve the Corpus Christi area and the full Coastal Bend, and we can often get you covered in a single phone call.


  • What if I have a serious health condition — will I still qualify?

    In most cases, yes. Guaranteed issue policies accept all applicants within the eligible age range regardless of health history. Simplified issue policies ask a few basic questions but do not require an exam. We work with multiple carriers so we can match you with the one whose underwriting standards fit your situation.


  • How quickly does the benefit pay out?

    Most final expense policies pay the benefit within a few days to a few weeks of a valid claim being filed. Guaranteed issue policies often include a graded benefit period — typically two years — during which the full death benefit applies to accidental death but a modified benefit applies to natural causes. We explain these terms clearly before you decide on a policy.


Get a Free Final Expense Quote From a Local Coastal Bend Agent

Raymond Scott has served seniors and families across the Coastal Bend since 2008 as an independent broker with no carrier exclusivity. He holds MDRT certification for 2026 and represents multiple A-rated carriers including AIG, Transamerica, and Prudential. When a claim needs to be filed, our team handles it personally — you will not be navigating a 1-800 number alone.

Ray Scott Insurance has served the Coastal Bend since 2008. Raymond Scott is an independent broker, a 2026 MDRT-certified producer, and holds no exclusive contracts with any single carrier — which means his recommendations are based on what works for you, not what pays him more. Read more on our About page.

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