About Us


American Century Life Insurance Company of Texas has a long history of serving Texas families and helping them with their life insurance needs.

The company was founded in 1940 in Jacksonville, Texas and is now located in Plano, Texas.

For over 70 years we focused on life insurance plans for Texas residents that are called Final Expense plans. These are life insurance plans with face amount of up to $25,000 that are used, in most cases, to pay the insured final expense. These are costs related to a person’s funeral and average $8,000-12,000.

We offer a full set of final expense policies that will fit almost anyone regardless of health condition. There is no minimum for the amount of insurance you can buy or the premium you pay. So you can find a policy that will fit your needs and the amount of premium you are willing to pay.

Most of our plans are whole life plans. These plans will be in force for as long as the insured lives and premium is paid. The insured will be covered even if his or her health condition changes in the future.

Most important, you do not have to be in perfect health to get coverage and there is no need for a medical exam. Once a policy is issued the premium never increases and the benefits never decrease.

We also have term life plans. These can fit clients that want a policy for a shorter term – either 10 or 20 years. Like the whole life plan the premium will not increase and the benefits will not decrease.

We have other available plans such as a limited pay whole life plan and the annuity. Click here to see all our plans.

Easy to Buy
We believe having a final expense life insurance policy is important to most families. Having to come up with the cost of final expense without any prior notice is challenging and can cause major financial problems for a family.

To make it easier to purchase, we offer our plans for purchase directly on our website. You don’t need to call us or meet with an agent. Just pick the policy you want, select coverage and premium, answer few health questions, and complete the purchase.

There is no medical exam and, in most cases, you will be covered in 24 hours. If you have any questions you can always call us at (855) 966-1111.

Saving on Final Expense
Most life insurance companies will provide you the protection of a life insurance policy. We go farther and provide you with ways to save on your final expense.

For example, our Memorial Merchandise Catalog will let you pre-order, with no payment or commitment, all major memorial service items (caskets, urns, flowers, and monument) at wholesale prices.

This alone can reduce your final expense costs by as much as 50% and save you $5,000-7,500.

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