Guaranteed Acceptance Burial Insurance
Whole life burial coverage with no medical exam — built for seniors with health concerns or prior denials.
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Burial Insurance for Central Texas Seniors
No medical exam. Easy qualification. Approved claims paid in 24 hours.
Affordable Funeral Advantage coverage from $5,000 to $35,000, with a Personal Funeral Advisor included at no extra cost to help your family at time of need.
- No Medical Exam
- 24-Hour Claim Payout
- Premiums Never Increase
4.8 ★
Trusted by 1M+ policyholders
24 hrs
Approved claim payout
63+
Years serving families
No Exam
One-page application
What Happens When There's No Funeral Plan
The hardest moment for a family is also the most expensive. A small plan now spares them both.
Funeral costs over $10,000
Traditional burial in the Austin area averages about $7,912, and total costs often top $10,000 once add-ons are included.
Declined for life insurance
Many seniors are turned away because of age or health. Standard underwriting rules out coverage that families really need.
No plan in place
When a loved one dies suddenly, families face thousands in costs and impossible decisions in the middle of grief.
Overwhelmed by funeral homes
Comparing prices, reading contracts, and avoiding upsells at the worst possible time is a lot to ask of any family.
Final Expense Coverage Options for Central Texas Seniors
Funeral Advantage coverage plus a Personal Funeral Advisor — so your family isn't left with the bill or the decisions.
Funeral Planning Assistance (FCGS)
A live Personal Funeral Advisor compares prices at up to three local funeral homes and reviews contracts at no cost.
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Preneed vs. Final Expense Funding
Plain-English help deciding between locking in prices with a funeral home and keeping flexible cash with insurance.
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Irrevocable Funeral Trusts
Shelter burial funds from Texas Medicaid spend-down while keeping final expense coverage in place.
Learn moreWhy Central Texas Families Choose Nationwide
We treat a hard subject with dignity and make a confusing decision feel simple.
Approved claims paid in 24 hours
Your family has cash on hand right when they need it, not weeks or months later.
No medical exam to qualify
A one-page application with a few simple health questions. Most applicants qualify.
Pre-existing conditions accepted
Health issues that get you declined elsewhere don't disqualify you with us.
Premiums never increase
A fixed monthly rate from day one. Locked in for the life of the policy.
Personal Funeral Advisor included
A live advisor calls funeral homes for your family, compares prices, and reviews contracts - at no extra cost.
A.M. Best A- and BBB A+ rated
A 63-year-old company with more than 1,000,000 policies in force across the country.
How to Get Burial Insurance: 4 Simple Steps
From quote to policy to claim, every step is simple and no-pressure.
Get your free quote
Call or fill in the online form. No personal medical history needed to get a rate.
One-page application
A few simple health questions, no medical exam. Most applicants qualify the same day.
Policy issued
Pick your coverage from $5,000 to $35,000. Your premium is locked in for life.
24-hour claim payout
When the time comes, approved claims are paid within 24 hours so family has cash on hand.
Get a free quote in about 10 minutes
No medical exam, no pressure. A licensed advisor will tell you honestly whether the coverage fits.
What Central Texas Families Say
Real stories from policyholders who trusted us with the most important plan they ever made.
"After being turned down twice for my health, I was sure no one would cover me. They approved me with just a one-page form and no exam. Such a relief."
"When my husband passed, their advisor called the funeral homes for us and saved us thousands. I don't know how we'd have managed the paperwork on our own."
"The claim was paid the very next day. The money was there when we needed it, not weeks later. Exactly what they promised."
63+
Years serving families
1M+
Active policyholders
24 hrs
Average approved claim payout
$8.5M
Saved on funeral costs in a year
Burial Insurance Coverage Across Central Texas
Our licensed local agents work across Travis, Williamson, and Hays counties: Austin, Round Rock, Georgetown, San Marcos, and the surrounding communities.
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Burial Insurance Questions, Answered
Quick answers to what most callers ask first.
What is final expense insurance?
Final expense insurance is a small whole life policy (typically $5,000 to $35,000) designed to cover funeral, burial, and end-of-life costs. Premiums are fixed and never increase, and it builds modest cash value over time.
Do I need a medical exam to qualify?
No. Qualification is based on a one-page application with a few health questions. There is no medical exam. Most applicants qualify, including many with pre-existing conditions.
Can I get coverage with a pre-existing health condition?
Yes. Applicants with pre-existing conditions are regularly accepted. For certain severe conditions, a modified benefit plan is available with a 2-to-3-year waiting period that refunds premiums plus interest if death occurs during that period.
How much coverage can I get?
Funeral Advantage offers whole life coverage from $5,000 up to $35,000. Your monthly premium is based on your age, the coverage amount you choose, and your health profile.
How fast are claims paid?
Approved claims are paid within 24 hours. Compare that to the industry average of weeks or months. Your family has cash on hand for end-of-life expenses right when they need it.
What is the Funeral Consumer Guardian Society and does it cost extra?
The Funeral Consumer Guardian Society (FCGS) is a concierge planning service included free with every policy. At time of need, a Personal Funeral Advisor helps your family compare prices at up to three local funeral homes and review contracts to avoid overcharging.
Want to dig deeper?
We've written plain-English answers to the questions Central Texas families ask most — from what final expense insurance covers to how funeral costs really add up. Browse our complete library of burial insurance and funeral planning guides.
Read the GuidesReady to protect the ones you love?
Get a free quote in minutes — no medical exam, no pressure. Most applicants qualify.