Texas Coverage Amounts Compared
How Much Texas Life Insurance: $250K, $500K, or $1M?
Actual monthly pricing for the three face amounts most Texas buyers choose, so you know what the coverage costs before you talk to anyone.
Price My Texas CoverageRates pulled from our quoting engine · 30+ carriers · No obligation
Monthly Cost by Coverage Amount
Priced on 20-year level term at Preferred Plus, non-smoker. These are the figures our own quote engine returns for real Texas clients, not published averages.
| Age / Sex | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|
| 30, Male | $12.48/month | $18.38/month | $28.88/month |
| 30, Female | $10.77/month | $15.76/month | $22.76/month |
| 40, Male | $16.63/month | $26.70/month | $46.38/month |
| 40, Female | $15.05/month | $24.07/month | $39.90/month |
| 50, Male | $38.73/month | $70.01/month | $129.51/month |
| 50, Female | $30.30/month | $55.13/month | $97.13/month |
Your number moves with age, health class, and term length. Pull your own Texas rate at no cost.
What Each Coverage Amount Protects
🏡
$250,000
Handles final expenses, clears most consumer debt, and replaces a couple of years of income. A reasonable floor for a young Texas household, though it rarely covers a mortgage.
🛡️
$500,000
The face amount most Texas families land on. It replaces roughly a decade of income and can clear the mortgage while leaving something for education.
🏆
$1,000,000
Built for a larger income to replace or a bigger mortgage to clear, with room left for college funding and an actual cushion rather than a tight budget.
How to Pick Your Number
- 1. Multiply your income by 10-12. That figure covers the years the household runs on your earnings, including college and the stretch right after a loss when nothing else is settled.
- 2. Add what you owe. The mortgage balance, car notes, credit cards. A death benefit is what clears these so the family is not servicing your debts.
- 3. Add closing costs. A Texas funeral with burial commonly runs $8,000 to $15,000 once the service, plot, and headstone are included.
- 4. Subtract what you already have. Coverage you already own, savings, and investments all cut into the gap.
Run your own coverage numbers
Five short questions produce a coverage amount built from your own obligations.
Open the Texas CalculatorIf you are sizing coverage for a household rather than an individual, here is how much life insurance a Texas family usually needs, worked through a mortgage, childcare, and two incomes. Worth knowing before you settle on a number: Texas law shields life insurance proceeds from most creditors when the beneficiary is a spouse, child, or dependent.
Coverage Amounts: FAQs
Is $250,000 enough coverage in Texas?
As a starting point for a young household, yes, and as a final number it usually falls short. It absorbs final costs and consumer debt, but a Texas mortgage plus a decade of income quickly pushes the real requirement well past $500,000.
What does $1 million of term cost per month in Texas?
At the best health class, a healthy 30-year-old pays roughly $23 to $29 a month for $1M of 20-year term, depending on sex. The same policy runs about $40 to $46 at 40 and $97 to $130 at 50.
Does a bigger face amount cost proportionally more?
Not exactly. The price scales at roughly 1.6 to 1.8 times when you double from $500K to $1M, because part of what the carrier charges is a fixed policy cost. Buying larger usually improves the value per dollar of coverage.
What is the standard coverage rule of thumb?
Multiply income by 10 to 12, add debts and closing costs, then subtract savings and coverage already in force. Someone earning $60,000 would look at $600,000 to $720,000 before those subtractions reduce the figure.
Get Your Exact Texas Rate
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