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Texas + Florida residents
Final Expense coverage from about $32 a month.
Simplified-issue whole life for funeral, burial, and end-of-life bills. $5,000 to $50,000 in coverage. No medical exam for most applicants. Independent agent — we quote 6+ carriers, not just one.
Shopping plans from major carriers
- Humana
- UnitedHealthcare
- Aetna
- Cigna
- Mutual of Omaha
- Florida Blue
- WellCare
- Anthem
- Blue Cross Blue Shield TX
What funerals actually cost in TX and FL — 2026
Source: NFDA 2024 General Price List Study + state averages from NFDA's annual cost-of-dying report. Use these as the floor; metro areas run higher.
| Service | U.S. median | Texas avg | Florida avg |
|---|---|---|---|
| Funeral with viewing & burial | $8,300 | ~$7,900 | ~$8,500 |
| Cremation with viewing | $6,280 | ~$5,900 | ~$6,100 |
| Direct cremation (no service) | $2,650 | ~$2,400 | ~$2,800 |
| Cemetery plot + opening/closing | $2,000–$4,000 | $1,800–$3,500 | $2,500–$5,500 |
Per NFDA's 2024 & 2025 Cremation & Burial reports, the U.S. cremation rate is 61.9% (2024) / 63.4% (2025). Florida tracks slightly above national average — not the 70%+ often cited online. We won't inflate your estimate to sell you more coverage.
Final Expense carriers we shop for you
Independent agent — these are the carriers we routinely quote in TX and FL. The cheapest one for a 62-year-old is often not the cheapest for a 75-year-old.
| Carrier | Product | Issue age | Face amount | When it wins |
|---|---|---|---|---|
| Mutual of Omaha | Living Promise (Level + Graded) | 45–85 | $2K–$40K | Best rates 60+ healthy; well-known brand |
| AIG / Corebridge | Guaranteed Issue Whole Life | 50–85 | $5K–$25K | No health questions; 2-yr graded |
| Aetna / Accendo | Final Expense Whole Life | 40–89 | $2K–$50K | Issues with serious health history |
| Liberty Bankers | SimpliNow Choice | 50–85 | $3K–$30K | Aggressive on COPD, diabetes |
| Royal Neighbors | Whole Life | 50–85 | $5K–$25K | Fraternal benefits; member rewards |
| Gerber Life | Guaranteed Life | 50–80 | $5K–$25K | Strong brand; smaller faces only |
Why Texans and Floridians work with us
- ✓ Independent. We work for you — not Mutual of Omaha, not AIG, not Lincoln Heritage.
- ✓ Licensed in your state. TX resident + FL non-resident. We know your rules.
- ✓ Honest framing. If a $10K policy fits better than the $25K you asked about, we say so.
- ✓ No call-center handoffs. You talk to Matt or Robin every time.
- ✓ Free for life. Premiums never increase, death benefit never decreases.
Final Expense — Texas + Florida FAQ
What does Final Expense actually cover?
Final Expense is whole-life insurance sized for funeral, burial, and end-of-life bills — typically $5,000 to $50,000. Per NFDA's 2024 General Price List Study the U.S. median funeral with viewing and burial is $8,300; cremation with viewing is $6,280. A $15,000–$20,000 policy is the most common pick for Texans and Floridians without an existing life policy.
Do I need a medical exam?
No exam required for "simplified-issue" Final Expense — you answer health questions on a one-page app and most carriers issue or decline within minutes. "Guaranteed-issue" policies exist for people with serious recent health events, but they carry a 2-year graded death benefit (the carrier returns premium plus interest if you pass in the first 2 years, full face after). We tell you up front which type fits.
How much does it cost?
Premiums depend on age, gender, smoking status, and face amount. A 65-year-old non-smoking female buying $15,000 of simplified-issue whole life from a top carrier (Mutual of Omaha, AIG, Aetna/Accendo, Liberty Bankers, Royal Neighbors) in TX or FL pays roughly $52–$78/month in 2026. Premiums never change and the death benefit never decreases.
Are funeral costs really that high in Florida and Texas?
Florida runs slightly above the national NFDA average (~$8,500 for a full-service funeral with burial; ~$6,100 cremation with viewing). Texas runs near the median. South Florida and major-metro Texas funeral homes can run 20–30% above the state average. Cemetery plot and vault costs are extra in both states.
What does the IRS / Medicaid look at?
Final Expense policies up to ~$1,500 (varies by state) are exempt from Medicaid asset spend-down. Larger face amounts may need to be assigned to a funeral home via an Irrevocable Funeral Trust (IFT) to retain Medicaid eligibility. We can help structure that.
Do you sell Lincoln Heritage Funeral Advantage?
We don't lead with it. Lincoln Heritage's "Funeral Consumer Guardian Society" structure has been challenged by multiple state DOIs and is consistently more expensive than comparable Mutual of Omaha or AIG policies for the same buyer. We'll show you any policy you ask about — but if you call us cold, we'll quote the carriers that actually have the lowest rate for your age, health, and amount.