Losing a loved one is hard enough. The last thing you want to worry about is how to pay for their funeral. If you live in Texas, you might be wondering exactly how much a funeral costs today.
Many families are shocked to learn that a traditional funeral can cost more than a used car. Without a plan, these costs can fall on your children or spouse, adding financial stress to their grief. In this guide, we will break down the real costs of a funeral in Texas and show you how to protect your family from this burden.
The Real Cost of a Funeral in Texas
In Texas, the average cost of a traditional funeral with a viewing and burial is between $7,500 and $10,000. If you choose cremation, the cost is lower, usually between $3,000 and $5,000.
However, these are just averages. The final price depends on the city you live in, the funeral home you choose, and the specific services you want.
Here is a breakdown of common funeral expenses in Texas:
- Basic Services Fee: $2,300 (mandatory fee charged by the funeral home)
- Casket: $2,000 to $5,000+
- Embalming and Preparation: $750
- Use of Facilities for Viewing: $450
- Hearse (Transportation): $350
- Burial Plot (Cemetery Space): $1,500 to $3,000
- Headstone or Grave Marker: $1,000 to $2,500
When you add it all up, a simple burial can easily reach $10,000.
If you want to see what final expense coverage you qualify for to cover these costs, call now to speak with a licensed agent: 1-866-332-1427.
What This Means for You
If you do not have $10,000 saved up specifically for your funeral, your family will have to find a way to pay for it. They might have to use their own savings, put the cost on credit cards, or even start a GoFundMe page.
This is why many seniors in Texas choose to buy final expense insurance (also known as burial insurance). This is a small whole life insurance policy designed specifically to pay for your funeral.
- Your family gets a cash payout quickly (usually within 24 to 48 hours).
- The money can be used for the funeral, medical bills, or any other debts.
- Your monthly payment is locked in and will never go up.
Frequently Asked Questions (FAQ)
Does the State of Texas help pay for funerals?
No, the state of Texas does not have a general program to pay for funerals. If you qualify, Social Security only pays a one-time death benefit of $255 to a surviving spouse or eligible child.
Can I get burial insurance if I have health problems?
Yes. Most final expense policies do not require a medical exam. You only have to answer a few simple health questions. Even if you have serious health issues, there are guaranteed issue policies available where you cannot be turned down.
How much does burial insurance cost in Texas?
The cost depends on your age, gender, and health. For a healthy 65-year-old, a $10,000 policy might cost between $40 and $60 a month.
Protect Your Family Today
Do not leave your family with a $10,000 bill on the worst day of their lives. Getting covered is easier and more affordable than you might think.
If you want to see what you qualify for, call now to speak with a licensed agent in Texas: 1-866-332-1427.