Life Insurance in Texas
Protect the people who count on you — whether that means replacing years of income or simply making sure the funeral is paid for.
Which Type of Life Insurance Fits You?
Term Life
Coverage for a set period — 10, 20, or 30 years — at the lowest cost per dollar of protection. Ideal for income replacement while the kids are young, or while a mortgage is outstanding. If you outlive the term, coverage ends.
Whole Life
Permanent coverage that lasts your entire life, with premiums that never increase and a cash value that grows over time. Costs more than term, but it's there no matter when you need it.
Final Expense
A small whole-life policy ($5,000–$25,000) built for funeral and burial costs. Simple application, many with no medical exam, fixed premiums. Learn more →
How Much Coverage Do You Need?
A good starting point is the DIME method — add up your Debt (not counting the mortgage), about ten years of Income, your Mortgage balance, and children's Education costs. That total is a reasonable target. But the right number is personal: your age, your health, your budget, and what "taken care of" means to your family. We'll talk it through in plain English — no jargon, no pressure.
No-Exam Options
Many policies today are simplified issue — you answer health questions instead of taking a medical exam. Final expense policies are built this way. Fully underwritten policies with an exam usually offer the lowest rates for healthy applicants, so it's worth comparing both before you decide.
Life Insurance Questions, Answered
What types of life insurance are there?
Three main types: term life covers a set period at the lowest cost; whole life covers you for life with fixed premiums and cash value; final expense is a small whole-life policy for funeral and burial costs. Each fits a different need and budget.
How much life insurance do I need?
Try the DIME method: Debt (minus mortgage) + about 10 years of Income + Mortgage balance + children's Education costs. That's a reasonable target — but the right number is personal. Call me and we'll find a figure that protects your family without overpaying.
Term life or whole life — which is better?
They do different jobs. Term gives the most coverage per dollar — ideal for temporary needs like income replacement or a mortgage. Whole life costs more but lasts forever with fixed premiums and cash value. Many people use a combination of both.
Can I get life insurance without a medical exam?
Yes — many policies are simplified issue: health questions instead of an exam. Final expense policies are designed this way. Fully underwritten policies usually offer the lowest rates for healthy applicants, so compare both paths before deciding.
What is final expense insurance?
Final expense (burial insurance) is a small whole-life policy — typically $5,000 to $25,000 — meant to cover funeral, burial, and end-of-life costs. Premiums are fixed and many policies require no medical exam. See our final expense page for details.
Does it cost anything to get help choosing?
No. There's no fee for a life insurance review or quote — licensed agents are compensated by the insurance carriers, and your premium is the same with or without my help. Request a free quote today.
Get a Free Life Insurance Quote
One conversation. Plain English. The right amount of protection for the people who count on you.
(979) 325-9840