Life Insurance Agents in Texas 

Locate Top Agents in Texas and Secure Your Life Today

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Ashley Maruzzo

 ✔ verified 

Associated Carriers – AIG, Aetna, United Healthcare, Voya, American Funds, National General, Lincoln Financial Group, CUNA Mutual, Primerica, and more.

“Our industry leading agents save you money and time providing you the best coverage at the lowest cost”

Insurance Products – Life Insurance, Health Insurance

📍Universal City, Texas, 78148
JoeSpeer Life Insurance - Life insurance agent in georgia

Brandon Hebert

 ✔ verified 

Associated Carriers – Humana, Cigna, Aetna, Americo, National Life Group, Wellcare, Ameritas, and more.

“My Goal is to help clients understand their options and feel comfortable with the choices they make when it comes to insurance.”

Insurance Products – Life insurance, Health insurance
📍Dallas, Texas, 75243
Kevin Harlow- Life Insurance

Kevin Harlow

 ✔ verified 

“Passionate! About helping others find affordable benefits to protect them, their families & their paychecks!”

Insurance Products- Life Insurance, Health Insurance

 

📍Lubbock, Texas, 75150United States
life insurance Texas

Life insurance is an important prerequisite for all the residents of Texas. The state is the most disaster-prone state in the U.S. and if something unfortunate were to happen to you, the lives of people whose survival depends on you would also be jeopardized.  

Life insurance comes in different forms with various term limits, coverage types, and conditions. You can contact our life insurance agents in Texas, and get the best coverage that fulfills all your insurance needs. 

Why Agency Height?

Local Coverage Expertise- Explore top agents who best understand your location, local laws, and needs.   

The Power to Choose- Talk to an agent or five, the choice is yours! Get multiple quotes and pick the one you like best. 

Hassle-free process– No unwanted calls. Book free consultations with only the ones you choose. 

Popular Type of Life Insurance in Texas

Term Life Insurance

  • Convertibility
  • Renewability

Permanent Life Insurance

  • Whole Life Insurance
  • Universal Life Insurance

Other Type of Life Insurance

  • Credit Life
  • Additional Funeral Insurance

Average Life Insurance Rates in Texas 

Life insurance premiums in Texas vary depending on a number of factors, such as the age and health of the policyholder, the type of policy chosen, and the coverage amount.  

On average, term life insurance policies tend to be the most affordable option for Texans. This is because these policies provide coverage for a set period of time, after which the policy expires. As such, the insurer bears less risk in issuing a term life policy, and can pass on these savings to the policyholder in the form of lower premiums.  

Whole life insurance policies, on the other hand, provide coverage for the policyholder’s entire life. Because of this, whole life policies tend to be more expensive than term life policies.  

Average Cost of Term Life Insurance by Age (20-year term life, $500,000) 

Age Annual Premium (Men) Annual Premium (Women)
30 $225  $190 
40 $338  $284 
50 $827  $646 
60 $2362  $1673 
70 $9297  $8235

Average Cost of Whole Life Insurance by Age ($500,000 policy) 

Age Annual Premium (Men) Annual Premium (Women)
30 $4690  $4143 
40 $6997  $6122 
50 $10,800  $9508 
60 $17,735  $15,517 
70 $30,642  $27,398 

Average Cost of Life Insurance by Term Length (40-year-old person, $500,000 term life policy)  

Age Annual Premium (Men) Annual Premium (Women)
10 $210  $180 
20 $338  $284 
30 $587  $466 

Frequently Asked Questions

Do I need life insurance in Texas?

No, you are not required to have life insurance in Texas mandatorily. However, we recommend that you have some form of life insurance in place to help your loved ones financially if something happens to you. 

How much life insurance coverage do I need in Texas?

The amount of life insurance you need in Texas depends on your individual circumstances. You will need to consider your financial obligations, such as a mortgage or other debts, and your family’s needs in the event of your death. 

What are the different types of life insurance policies available in Texas?

There are several different types of life insurance available in Texas, including term life insurance, whole life insurance, and universal life insurance. 

What is the best type of life insurance for me?

The best type of life insurance for you depends on your individual needs and circumstances. You should speak with a life insurance agent to determine which type of policy is right for you. 

How much does life insurance cost in Texas?

The cost of life insurance varies depending on the type of policy you choose, your age, health, and other factors.  

How do I get life insurance in Texas?

You can get life insurance in Texas by contacting a life insurance agent or company. You can also get quotes and compare rates online beforehand to get estimated premiums from different carriers. 

What is the process of buying life insurance in Texas?

The process of buying life insurance in Texas generally includes completing an application, undergoing a medical exam, and being approved for coverage. 

Can I get life insurance if I have a pre-existing condition?

Yes, you can still get life insurance in Texas even if you have a pre-existing medical condition. However, your rates may be higher compared to someone who is healthy. 

Do I need to be a resident of Texas to get life insurance?

No, you do not need to be a resident of Texas to get life insurance. However, if you are not a resident, your rates may be higher. 

How long does life insurance coverage last in Texas?

Most life insurance policies in Texas have a term of 20 years or longer. However, there are some policies that have shorter terms. Hence, it is better to consult with a life insurance expert to get a policy that meets all your requirements. 

Find a Local Insurance Agent Near You

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