Preneed insurance
Preneed funeral insurance for Texas families
With a Horizon Life Partners policy, your pre-arranged funeral plan is secured. A licensed Texas specialist helps you find a product suited to your health, your wishes, and your budget.
How it works
Five straightforward steps, guided from start to finish by a licensed Texas preneed specialist.
- Step 1
Select your funeral options
- Step 2
Complete your insurance application
- Step 3
Answer a few quick health questions
- Step 4
Review optional coverages
- Step 5
Choose the payment terms that fit your budget
Why families choose preneed
Give your family comfort by putting your choices in writing and pre-funding the plan.
Help cover your eventual final expenses so no one is left guessing about the cost.
Control most of the cost of your funeral and spare your family from expensive decisions while grieving.
Guard against inflation by freezing most services and merchandise at today's prices.
Plan options available
Insurance policies are subject to a two-year contestability period. Talk with your Horizon specialist to determine the funeral selections, funding policy, and payment options best suited to you.
Full benefit insurance
Designed for applicants in excellent health. Pay in a single payment or over 3, 5, 7, or 10 years. Covers 100% of the locked-in cost of your pre-arranged plan as long as you qualify and payments are made on schedule.
View details →Graded benefit insurance
For applicants in poor to moderate health. It pays increasing percentages of your locked-in funeral cost over time. The funeral home may collect the difference, if any, between the contract price and the death benefit.
View details →Monthly increasing benefit (MIB)
Open to anyone. When payments are made as scheduled, the death benefit reflects the amount paid up to the time a claim is filed. Once the policy is paid in full, the full benefit is paid at death.
View details →Annuity funding (flexible premium)
A dollar-for-dollar product: the death benefit is based on the amount paid in up to the time a claim is filed. A practical option when age makes an insurance policy unavailable.
View details →Graded benefit payment schedule
| 0–6 months | 105% of premiums paid |
|---|---|
| 7–12 months | 50% of full death benefit |
| 12+ months | 100% of full death benefit |
| 0–6 months | 105% of premiums paid |
|---|---|
| 7–12 months | 35% of full death benefit |
| 13–24 months | 70% of full death benefit |
| 24+ months | 100% of full death benefit |
Product availability, benefit schedules, and policy forms are filed with the Texas Department of Insurance and may vary by carrier and by contract. Your specialist will provide the exact disclosures before you sign.
Interested in preneed insurance?
We work with the finest funeral homes across Texas to provide the service you and your family deserve. Let us help put together the right plan at the right price — in English or Spanish.