Texas · Independent · Consumer-first
Texas life insurance, without the sales pitch.
Compare term, whole, and IUL from 17 A-rated carriers with an independent broker who works for you — not a captive carrier.
Licensed in Texas · NPN 20873424 · TX #3076729
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Estimate only. Final rate depends on full underwriting (health, build, Rx, driving, family history).
17 A-rated carriers compared — including
- Banner Life
- Mutual of Omaha
- Transamerica
- Foresters Financial
- F&G
- National Life Group
- John Hancock
- Corebridge Financial
- Americo
- American-Amicable
How it works
Three steps. No pressure. No cost to you.
- 1
Tell us the basics
Share your age, health snapshot, and coverage goal. Two minutes — no SSN, no hard credit pull.
- 2
We shop 17 carriers
We compare term, whole, IUL, and final expense across A-rated carriers to find your best fit.
- 3
You choose (or walk away)
Get a plain-English breakdown. Apply when you're ready — or don't. Either way, the consult is free.
What we quote
Coverage matched to real Texas obligations
Term life
10, 20, or 30-year level premiums. Best for mortgage and income replacement.
Whole life
Permanent coverage with guaranteed cash value. Estate and final-expense planning.
IUL
Indexed universal life with market-linked growth and downside floor. Tax-advantaged.
Final expense
Simplified-issue burial coverage $5k–$40k. Common ages 50–85, no exam options.
Planning for a parent or yourself over 50? Read the burial insurance guide for Texas seniors — coverage amounts, age limits, and the graded-benefit traps to avoid.
Health history you're worried about? See Texas underwriting & quoted rate data — real offers down to Table D, case studies, and carrier-by-carrier notes.
Start here
Our two most-read Texas guides
Underwriting decides the rate you actually get, and veterans have a separate set of deadlines and pricing rules. Both guides are free and written for Texas applicants.
How life insurance underwriting works in Texas
The full 8-step process — application, labs, MIB, prescription history, APS records, and the rate class the carrier finally offers — with real Texas timelines.
Life insurance for Texas veterans
VGLI vs. civilian term by age, the 240-day no-health-questions window, and how service-connected conditions — not your VA rating — affect what you pay.
Veteran comparing plans? VGLI vs. private life insurance, compared by age and cost shows where each one wins.
Free calculators
Run the numbers before you talk to an agent
These calculators are built in-house for Texas households. No email gate, no upsell — just context for your next decision.
Infinite Banking Concept calculator
Model paid-up additions, policy loans, dividends, and the 7-pay MEC limit with your own premium split.
Life insurance health class predictor
Estimate whether carriers will rate you Preferred Plus, Standard, or Table based on build and health history.
Term life ladder calculator
Stack 10/20/30-year term policies to cover income replacement and mortgage payoff without overpaying.
Texas life insurance product navigator
Match your goal, budget, and time horizon to the right product family: term, whole, IUL, or final expense.
See all calculators on the free Texas life insurance tools page.
We Stand With
Country, State, and Those Who Served
Proud to serve Texas families, veterans, and active-duty service members. Ask about VGLI conversions, SGLI gap coverage, and military-friendly carriers.
17 carriers
Symetra, Pacific Life, Protective, Banner, Lincoln, Mutual of Omaha, Foresters, and more.
Transparent commission
We're paid by the carrier when a policy issues. Same premium you'd pay direct. We'll show you the structure on request.
No captive script
No single-product pitch. We map coverage to your obligations — mortgage, kids, income — and ladder when it saves money.
Recent articles
Plain-English breakdowns of how Texas households actually structure coverage.
What Is Final Expense Insurance? A Plain-English Guide for 2026
What final expense insurance is, what it costs by age, how level, graded, and guaranteed-issue plans differ, and when it beats term. Get a written quote today.
Final Expense Claims in Texas: What the Family Actually Receives
How a Texas final expense claim is paid: timing, waiting periods, contestability, funeral-home assignment, and the state protections on the money. Get a quote.
1035 Exchanges in Texas: Trading an Old Life Policy for a Better One Without Taxes
How Section 1035 tax-free exchanges work for Texas life insurance and annuity policies — allowed swaps, the same-owner rule, MEC risks, and when the exchange is actually worth doing.
Term Conversion in Texas: How to Turn Term Life into Permanent Without Underwriting
The mechanics of converting a Texas term life policy to permanent coverage — conversion windows, available products, pricing, and when the option is worth exercising.
Life Insurance for Marijuana Users in Texas: 2026 Underwriting Reality
How Texas insurers treat cannabis in 2026 — frequency, method, THC labs, application wording, reclassifying. Compare non-smoker rates today.
Life Insurance with a DUI or DWI in Texas: How Long It Follows You
How long a Texas DWI affects your rate, what else underwriters check, and a three-year plan back to Preferred. Compare DUI-friendly quotes today.
Frequently asked questions
What does an independent life insurance broker cost?
Nothing out of pocket. Brokers are paid by the carrier when a policy is placed. Premiums are filed with the state — your rate is the same whether you buy direct, online, or through us.
How many carriers do you compare?
Seventeen A-rated carriers for term, whole, IUL, and final expense — including Symetra, Pacific Life, Protective, Banner, Mutual of Omaha, and Lincoln.