Final Expense Insurance in Texas
Help comparing final expense, burial and whole life insurance for Texas residents, by phone from QRS Life Group in Atlanta, Georgia.
Final expense coverage for Texas residents
Texas is large enough that funeral prices in Houston, Dallas and San Antonio can differ noticeably from prices in the Panhandle or the Valley, so we always suggest Texas families get a local price list before settling on a coverage amount. The policies themselves work the same way across the state.
We work with Texans by phone. You tell us your age, general health and the amount you have in mind, and we come back with real quotes from the insurance companies we represent, including any waiting period, before you decide anything.
Our office is in Atlanta, Georgia, and we work with Texas families by phone and email. There is no local branch to visit, and there is no need for one: every step, from the first conversation to the application, is handled remotely.
How life insurance is regulated in Texas
Life insurance sold in Texas is overseen by the Texas Department of Insurance. The department reviews the policies insurers may sell in the state, licenses the people who sell them and handles consumer complaints.
The Texas Department of Insurance explains that Texas life policies provide a free-look period of at least 10 to 20 days, during which you can cancel for any reason and receive a full refund (TDI consumer guide). The period for your policy is printed on it.
Cities we serve in Texas
We have written a page for each of these Texas cities with the local offices families need when a death happens: Houston, Dallas, San Antonio. Residents of other Texas towns are just as welcome to call.
What Texas families usually ask us
- How much do I need? Ask funeral homes near you for their General Price List and add the bills you expect to leave. Our guide to working out a coverage amount walks through the steps.
- Who receives the money? The beneficiary you name, in cash. They can use it for the funeral, medical bills or anything else. See naming a beneficiary and how a claim works.
- Can I qualify with my health history? Often yes. Depending on your answers to a few health questions you may be offered full coverage from the first day, a policy with a waiting period, or a guaranteed issue policy that asks no health questions.
Texas resources for planning ahead
- Texas Health and Human Services, Aging Services, 800-252-9240: programs and the local Area Agency on Aging for older residents and caregivers.
- Texas Department of State Health Services, Vital Statistics: how to order certified death certificates, which a beneficiary needs to make a claim.
- Texas Department of Insurance: consumer help and complaints about an insurance company or agent.
- Texas Funeral Service Commission: the state body that licenses funeral directors and handles complaints about funeral providers.
- 2-1-1 Texas, dial 2-1-1 or (877) 541-7905: a starting point for local help with food, transport, caregiving and benefits.
- U.S. Department of Veterans Affairs, burials and memorials: cemetery, marker and allowance benefits for eligible veterans in Texas.
Coverage options we compare
The policies we compare are explained on their own pages: final expense insurance, burial and funeral insurance, whole life insurance for seniors, no medical exam life insurance and guaranteed issue life insurance. How it works describes the three steps from a first call to a policy in hand.
Our final expense planning checklist lists the documents and decisions worth putting in order, and the questions and answers page covers the questions we hear most.
Talk with us
Call +1 (319) 254-9055 during business hours, or send the quote form and we will call you. There is no cost and no obligation. All the states and cities we serve are listed on the Service Areas page.