Business Details
41 Years
experience
Trusted Funeral Insurance Solutions in Texas
Texas Service Life Insurance has been serving Texas families since 1985, specializing in preneed funeral insurance solutions. Our mission focuses on alleviating financial burdens during difficult times by helping families plan and prepay for funeral services in advance. With over 200,000 policyholders served, we combine 40 years of industry experience with a strong financial foundation to ensure reliability in funeral arrangements. Our bilingual staff and community-focused approach enable personalized service across multiple Texas locations.We maintain regulatory compliance through Texas's Department of Insurance while offering customized marketing programs for funeral homes. Our patented processes guarantee locked-in pricing against inflation, with policies designed to accommodate various health conditions and financial situations. We emphasize transparency in all transactions, providing 24/7 customer support through dedicated service channels.
Services
Full Benefit Insurance
Graded Benefit Insurance
Monthly Increasing Benefit
Flexible Premium Annuity
Preneed Funeral Planning
Details
- Year established: 1985
Highlights and features
- We offer 40 years of specialized expertise in preneed funeral insurance
- Our policies protect against inflation by locking in funeral costs at today's prices
- Bilingual services available across Texas locations
- We provide comprehensive training and support for funeral service partners
- Woman-owned business with strong community ties in Texas
What people say
Financial security
Inflation protection
Bilingual support
Customizable plans
Community focus
Services
Full Benefit Insurance
This policy guarantees 100% coverage of prearranged funeral costs for applicants in excellent health. Available with single or multi-year payment plans up to 10 years, it ensures all specified funeral expenses are covered when payments are maintained. The policy provides immediate full benefits without waiting periods, offering families complete financial protection against inflation and unexpected cost increases.
Graded Benefit Insurance
Designed for applicants with health concerns, this policy builds coverage over time. Initial benefits start at 50% during the first six months, increasing to 100% after two years. Available with payment terms up to 10 years, it offers partial refunds of premiums paid during the early years. This option provides accessible coverage for individuals who might not qualify for standard policies while still protecting families from funeral cost burdens.
Monthly Increasing Benefit
This policy provides death benefits that increase monthly based on payments made. Available for applicants up to age 85, it guarantees full coverage once policies are paid in full. The benefit amount directly corresponds to premiums paid, offering dollar-for-dollar protection. This option works well for individuals seeking adjustable coverage that grows with their financial commitments while maintaining funeral planning flexibility.
Flexible Premium Annuity
Specifically designed for older applicants up to age 110, this annuity-based policy matches death benefits dollar-for-dollar with premiums paid. It provides straightforward coverage without health qualifications, making it accessible for individuals who might not qualify for traditional insurance. The policy guarantees that every dollar paid will be available for funeral expenses, offering simple, transparent protection for final arrangements.
Preneed Funeral Planning
Our comprehensive planning service helps families document specific funeral preferences in advance. We coordinate with contracted funeral homes to lock in service selections and pricing. The process includes personalized consultations, document preparation, and ongoing policy management. This service ensures final wishes are honored while providing financial security through associated insurance products that protect against future cost increases.
People
Ruben Ontiveros
Vice President, Sr. Sales Director
With over 20 years at Texas Service Life, Ruben has held multiple leadership roles including Sales Director of the Year twice. He maintains active memberships in major funeral service associations and has received industry-wide recognition for his contributions to Texas funeral services.
Armando Dominguez
Sales Director, Houston / Southeast Texas
Bringing 40 years of sales experience, Armando specializes in bilingual client services and community outreach programs. A certified preplanning consultant, he focuses on supporting funeral homes and agents across the Houston metropolitan area with customized solutions.
Miguel Ontiveros
Regional Sales Director, South / West Texas
As former District Sales Manager, Miguel developed successful market expansion strategies across key Texas regions. He now focuses on building relationships between funeral homes, clients, and agents to enhance service delivery and business growth opportunities.
Carolina Dominguez
Assistant Sales Director, Houston / Southeast Texas
Carolina specializes in changing perceptions about funeral planning through community engagement. With a background in life insurance, she helps families understand preneed benefits while promoting cultural sensitivity and open conversations about end-of-life arrangements.
Shellie Hollis
Sr. Sales Director, South Central Region
With two decades of experience, Shellie has contributed to all aspects of company growth. She specializes in creating customized preneed programs that address diverse client needs while providing comprehensive support to both new agents and established funeral service providers.
Questions
What is preneed funeral insurance?
Preneed funeral insurance funds your prearranged funeral plan through a life insurance policy or annuity, locking in today's prices for future services.
How does payment financing work?
Choose single-pay or multi-year options (3, 5, 7, or 10 years) with flexible terms that accommodate different financial situations and health conditions.
Can I change my funeral arrangements later?
Yes, but modifications may affect payment arrangements. Contact customer service to review policy adjustments and contract updates.
Are funds protected if I prepay?
Yes, Texas Service Life's financial strength and regulatory compliance ensure funds remain protected and available when needed.
What happens if I move out of state?
Funeral arrangements can't transfer to other states, but your policy remains active to cover funeral costs at any location.
How do families access benefits?
Families contact our claims department with policy details to initiate benefit disbursement for contracted funeral services.
Reviews (3)
Leticia Reyes
Dec 05, 2021
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Critical: Professionalism, Quality They didn't pay the expenses in stead they sent a denial letter wouldn't recommend
Gabriella White
Jun 24, 2021
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The Best Pre Arranged Funeral Service Company in Texas is such a Honor team up with them to help Families with the peace of mind during one of the hardest days in our lives.knowing that our family won't struggle thru such a hard time.
Pearl Delapena
Apr 05, 2021
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I was happy with the results of my phone call very nice and helpful took care of my questions with no problem
