Your guide to
Life Insurance in Texas
Life insurance can help the people who depend on you move forward if you pass away. Our agency helps you compare term, permanent and final expense options so you can choose coverage that fits your family and your budget.
Start here
How much life insurance would your family need?
Four numbers, about twenty seconds. This is the DIME method: debts, income, mortgage and education.
Cards, loans, medical and funeral costs.
Counted for three years, so the family has time.
What it would take to pay the house off.
Counted at $50,000 each.
What it covers
Life insurance and annuity options
Each type is built for a different need, from coverage for a set number of years to lifelong protection or retirement income. Start with the one that matches your goal.
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Term life insurance
Covers you for a set number of years, often chosen to match the time your family depends on your income.
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Whole and permanent life insurance
Designed to last your lifetime as long as the policy stays in force, and many of these policies build cash value over time.
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Final expense insurance
Generally a smaller whole life policy, often used to help loved ones pay for a funeral and other final bills.
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Mortgage protection
Life insurance with coverage sized to your mortgage balance, so your family could use the benefit to help keep the home.
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Annuities
A contract with an insurance company that can help you save for retirement or turn savings into a stream of income.
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Why it matters
Choose coverage around the people who count on you
The right type and amount of life insurance depends on your situation: your income, your debts, your children's ages and what you want to leave behind. Term and permanent coverage meet different needs, and some families use both.
Insurers generally consider your age and health when they review an application and set the premium. Reviewing your coverage after a marriage, a new baby or a new home helps keep it in step with your life.
Coverage through work can help, but it often ends or changes if you leave the job and may not be enough on its own.
Answers
Life insurance questions
Straight answers to common questions. If yours is not here, call or text our agency.
Term life covers a set number of years and generally has no cash value. Whole life is designed to last your lifetime and builds cash value, which is one reason its premiums are usually higher for the same death benefit.
It depends on what you want the policy to do, such as replacing income, paying off debts or covering future costs like a child's education. We can help you think through those needs.
Not always. Some policies ask health questions only, while others may require an exam, depending on the insurer, the type of policy and the amount of coverage.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.