Brilliant Insurance — Licensed Texas Advisor
Final Expense Insurance Texas
No medical exam. Guaranteed acceptance options. Coverage from $5,000–$35,000 for ages 50–85. Protect your family from funeral costs and final bills — from $66/month.
Questions? Call (940) 245-6001
Why Final Expense
Protect Your Family From Final Bills
The average funeral in Texas costs $8,000–$12,000. Final expense insurance ensures your loved ones aren’t left with that burden — and leaves them a little extra.
Covers Funeral & Burial Costs
Pay for the funeral, casket, burial plot, flowers — everything — without your family dipping into savings.
No Medical Exam Required
Most plans require only a few health questions. Guaranteed-issue plans require no health questions at all.
From $66/Month
Affordable whole life insurance that builds cash value. Rates are locked in at the age you apply — they never increase.
Cash Paid Directly to Family
The death benefit goes directly to your named beneficiary — no restrictions on how they use it. Bills, debt, groceries, anything.
Coverage Never Expires
Unlike term life, final expense is whole life — it covers you for life as long as you pay the premium.
Peace of Mind — Today
Knowing your family won’t face financial stress when you pass is priceless. Most plans approve in 24–48 hours.
Two Great Options
Choose Your Final Expense Path
We offer two self-enroll paths — or David can compare both for you free.
ManhattanLife Secure Advantage
Direct Enrollment — Quick & Easy
ManhattanLife’s Secure Advantage final expense whole life plan. Simplified underwriting, competitive rates, enroll directly online in minutes.
Enroll with ManhattanLife →Back9 — 130+ Carriers
Compare All Carriers — Best Rate Guarantee
Compare final expense plans from 130+ carriers instantly. Back9 finds the lowest rate for your age and health profile. No exam, instant results.
Compare 130+ Plans →Common Questions
Final Expense Insurance Texas — FAQ
What’s the difference between final expense and term life insurance?
Term life covers you for a set period (10–30 years) and expires. Final expense is whole life — it covers you forever and builds cash value. Final expense has smaller coverage amounts ($5K–$35K) designed specifically for end-of-life costs, with easier health qualification.
What if I’ve been denied life insurance before?
Guaranteed-issue final expense insurance is available for ages 50–85 with NO health questions — approval is guaranteed. The trade-off is a slightly higher premium and a 2-year waiting period before the full death benefit pays out. David will help you find the right plan.
How quickly does coverage start?
Most plans approve within 24–48 hours. Some offer same-day approval. Coverage is effective as soon as your first premium is paid. Guaranteed-issue plans have a 2-year graded benefit period before the full payout.
Will my rates ever go up?
No — final expense rates are locked in at your age when you apply. They never increase, and the policy never expires as long as you pay premiums. Locking in a rate younger saves you money over time.
Let’s Find Your Best Rate — Free
I’m David Gustafson, licensed Texas insurance advisor. Final expense is one of the most important decisions a family can make. I’ll compare every carrier, find the best rate for your age and health, and make enrollment simple. Free consultation, no pressure.
David Gustafson — Licensed Texas Insurance Advisor
Free consultation. Final expense is the one policy every Texas family needs. I will find you the best rate from 130+ carriers so your family is protected from day one.