Life insurance plans in Texas — compare 2026 rates
Texas is the #1 state in our book by volume. Compare whole-life, no-exam and guaranteed-acceptance plans from A-rated carriers licensed in Texas — in one form.
Texas is our top state by placed policies. Texas buyers pay the same nationally-set rates: roughly $93-95/month through the 60s and $134/month at 75-79 on average, with $25,000 the most common coverage. A Texas funeral averages about $8,000.
Texas rates by age (our book)
| Age band | Avg monthly premium |
|---|---|
| 50-59 | ~$50-83 /mo |
| 60-69 | ~$93-95 /mo |
| 70-74 | ~$110 /mo |
| 75-79 | ~$134 /mo |
Texas leads our book by volume; rates are national — no TX surcharge. Estimates based on our own placed-policy data (our internal systems), not carrier-published quotes.
Carriers writing in Texas
Mutual of Omaha
Simplified issue to 85 — day-one benefits for healthy Texans.
Colonial Penn
Guaranteed acceptance to 85 — no health questions.
Gerber & AARP/NY Life
Guaranteed-issue options to $25,000 for ages 50-80.
Frequently asked questions
How much is life insurance in Texas?
Are Texas rates higher?
Which carriers are licensed in Texas?
How much is a funeral in Texas?
Compare Texas plans
One form, every A-rated carrier licensed in Texas — free, no exam, no obligation.