Get a Final Expense Policy in Texas.
Affordable whole life coverage designed to cover funeral, burial & final bills for Texans 45 and older. AEC Insure is contracted with several carriers like Aetna, GTL, Mutual of Omaha and more.
We find out your goals and search through our carriers to find the right plan for you to reach them.
AEC Insure is an independent insurance agency.
What is Final Expense Insurance?
Your wishes, your way
Families could have to make several important decisions soon after the death of a loved one. Along with those decisions, expenses from burial planning, debt balances, and out-of-pocket health care bills can quickly add up.
Final expense whole life insurance is designed to cover funeral, burial and end-of-life costs without burdening your family. It can help fund your final wishes by providing a cash payment made directly to your beneficiaries.
There is no medical exam and premiums will not increase as long as premiums are paid.
Who It's For?
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Texans age 40-89 looking to protect loved ones from burial & Final Medical bills
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People with limited savings, pre-existing conditions, or denied traditional life insurance.
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Adult children thinking ahead for aging parents.
Common Myths & Real Facts
01.
Myth: It's only for funerals.
Funds can be used for any final expenses. It can help fund your final wishes by providing a cash payment made directly to your beneficiaries.
02.
Myth: I don't need it if I have Medicare.
Medicare doesn't pay for funeral costs.
03.
Myth: I can wait until I'm older.
Premiums rise with age — early enrollment often saves money. Renewable for life regardless of changes in health and premium rates never increase.
Medicare (Parts A/B)
Covers hospital & medical care—not funeral costs
Final Expense Insurance
Not a medical policy—complementary protection.
ACA Marketplace Plans
Provide health coverage—not end-of-life costs.
Hypothetical Examples
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Example 1: Jane (65, Dallas) — purchased $15,000 coverage; family used benefits to pay burial costs and settle small hospital bill.
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Example 2: Bill (72,Austin) — no medical exam required; policy paid out straight to beneficiaries within days.
Coverage Details & How to Apply
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Coverage ranges typically $2,000-$50,000 depending on age/health
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Simplified underwriting, no medical exam for most.
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Lifetime fixed premiums — never increase.
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Cash value growth over time — borrow options.
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No obligation quote
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Licensed in MS, TN, TX, FL, ME, MI