Best Life Insurance In Texas
Texas’s life insurance laws are governed by Title 28 of the Texas Administrative Code.
- 10-day free look period (28 TX Admin Code 3.804)
- 31-day grace period for all payments after the first (28 TX 3.5106)
- Insurers must pay claims within two months after receiving proof of death (28 TX 3.5106); Claims are subject to interest from the date proof of loss is received (TX 542.058)
- Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash surrender value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, Utah’s life insurance laws and Vermont’s life insurance laws are nearly identical to those of Texas).
How Much Is A $10,000 Whole Life Policy In Texas?
The table below shows the rates by age of $10,000 of whole life insurance in Texas.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $15.33 | $16.55 | $14.53 | $16.03 |
| 25 | $15.59 | $17.86 | $15.25 | $17.52 |
| 30 | $16.84 | $19.88 | $16.72 | $18.47 |
| 35 | $18.61 | $21.76 | $17.90 | $20.57 |
| 40 | $20.83 | $25.12 | $19.63 | $24.03 |
| 45 | $23.79 | $28.91 | $22.30 | $27.10 |
| 50 | $28.00 | $33.96 | $24.45 | $31.46 |
| 55 | $32.23 | $40.38 | $28.58 | $37.13 |
| 60 | $38.83 | $47.23 | $33.40 | $42.79 |
| 65 | $47.94 | $57.80 | $40.96 | $50.43 |
| 70 | $60.09 | $71.03 | $52.61 | $60.56 |
| 75 | $97.84 | $132.76 | $71.47 | $94.99 |
| 80 | $134.32 | $182.56 | $97.95 | $136.12 |
| 85 | $188.02 | $258.56 | $131.97 | $192.44 |
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Best Life Assurance In Austin
Nestled in the heart of Texas, Austin stands out as a vibrant city renowned for its eclectic music scene, burgeoning tech industry, and the University of Texas flagship campus. It’s a city where the arts and innovation collide, creating a dynamic cultural landscape. Famous for its South by Southwest (SXSW) festival, Austin attracts visitors worldwide, making it a melting pot of creativity and entrepreneurship. Known as the “Live Music Capital of the World,” its streets are alive with the sounds of country, rock, and blues. Beyond music, Austin’s outdoors offer picturesque parks and lakes, ideal for hiking, biking, and boating, ensuring that its residents and visitors never run out of activities to explore. With its unique blend of Texan traditions and a progressive spirit, Austin promises an unforgettable experience of warmth and excitement.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Premiere Insurance Coverage Group | 403 E Ben White Blvd ste b | +15123738000 |
| American Income Life: Bradley P. Blumenshine | 2336 Douglas St #419 | +13095318386 |
| CoverMile – Texas Insurance Agency | 1700 S Lamar Blvd #338 | +15126198776 |
| PHP Agency, Austin, TX | 7300 Ranch Rd 2222 Bldg 3 Ste 200 | +16617136296 |
| Risk Coverage Insurance | 701 Tillery St | +15124363785 |
| Austin Area Insurance Agency | 8711 Burnet Rd STE E50 | +15122595633 |
| Amica Mutual Insurance Company | II, 7500 Rialto Blvd Suite 200 | +18337356409 |
| F&G Life Coverage | 504 Willow St #2 | +17372347242 |
| Austin Adi, Bankers Life Agent | 14205 N Mopac Expy Ste 600 | +15123462574 |
| Texas Life Insurance Broker | 4801 Spicewood Springs Rd | +15129635000 |
| Zachari Derbala, Bankers Life Agent | 2211 S I-35 Frontage Rd #410 | +15122562025 |
| Farmers Insurance – Kayla Williams DiNardo | 4600 Mueller Blvd Suite 1001 | +15128251498 |
Best Coverage In Dallas
Dallas, a dynamic metropolis in the heart of Texas, serves as a cultural and economic hub in the Lone Star State. Renowned for its iconic skyline, rich history, and vibrant arts scene, Dallas is a city that seamlessly blends modern sophistication with southern charm. Home to professional sports teams, world-class dining, and shopping, alongside the historic Dealey Plaza and the bustling Deep Ellum entertainment district, Dallas offers a diverse array of experiences for both residents and visitors alike. Whether you’re exploring the vast collection of museums, enjoying the lush green spaces, or participating in one of the many festivals, Dallas exudes an energetic and welcoming vibe that’s hard to resist.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Redline Life Insurance | 2700 Canton St Suite 112 | +16822401412 |
| New World Health and Life LLC | 701 Commerce St | +12146052742 |
| Jefferson Life Insurance | 5501 Lyndon B Johnson Fwy | +19724040295 |
| Policy Pickers | 2528 Elm St | +19725609363 |
| New York Life Insurance Company: Barry Jordan | 12201 Merit Dr #1000 | +19727742353 |
| CW Insurance Agency | 5306 Junius St | +12148656909 |
| Altruistic Insurance Agency, LLC | 1412 Main St Suite 1390 | +12142814382 |
| MyLifeWerks Insurance | 5720 Lyndon B Johnson Fwy #525 | +18884435250 |
| Primerica Financial Services – Isabel Belmonte | 8035 E R L Thornton Fwy suite#124 | +14696288680 |
| Paula Gonzalez, Financial Professional – New York Life | 12201 Merit Dr #1000 | +19727742307 |
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Best Policies In Fort Worth
Fort Worth, Texas, fondly known as the “City of Cowboys and Culture,” presents a unique blend of rich Western heritage and vibrant arts scene. As the 13th-largest city in the United States, it offers a welcoming mix of modern city living while retaining its cowboy roots with rodeos, stockyard stations, and western-themed stores. Fort Worth takes pride in its bustling cultural district, home to internationally acclaimed museums like the Kimbell Art Museum. Additionally, the city’s vibrant downtown area boasts an array of dining, shopping, and entertainment options. With its expansive network of parks and trails, Fort Worth also appeals to outdoor enthusiasts, making it a diverse and dynamic destination.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Life Insurance Agent. Primerca insurance and services | 6500 Denton Hwy STE B5 | +18173470658 |
| Luna Insurance Agency | 4475 Hemphill St | +18177448150 |
| BRUNSON INSURANCE AGENCY | 2120 Ridgmar Blvd | +18177382313 |
| Equity Source Insurance/Medicare in Partnership with Preferred Advisors | 8101 Boat Club Rd Ste 240, Number 169 | +18179252419 |
| HealthGuys | 2630 West Fwy ste 102 | +18664384325 |
| Monolith | 306 W 7th St Suite 220 | +12149013638 |
| M&N Life Coverage | 612 Calhoun St #3 | +18179048587 |
| The Turner Insurance Group | 2400 South Fwy Suite 220 | +18176838017 |
| Globe Life American Income Division: Washington Organization | 101 Summit Ave Ste 806 | +16822503048 |
| Life Insurance Agent | 8813 N Tarrant Pkwy suite 204 | +17606771334 |
Best Life Cover In Houston
Houston, the fourth-largest city in the United States, is a vibrant metropolis located in the heart of Texas. Known for its dynamic blend of world-class culture, history, and business, Houston is a magnet for diversity and innovation. Home to the renowned NASA Johnson Space Center, where the mission control center is based, this city is also a powerhouse in the energy sector, particularly oil and gas. Houston’s skyline is dotted with impressive skyscrapers, reflecting its status as an economic juggernaut. Beyond its economic prowess, the city boasts an array of cultural institutions, including the Houston Theater District and the Museum District, offering residents and visitors alike a rich tapestry of experience. From its bustling downtown to the tranquil green spaces like Discovery Green and Memorial Park, Houston is a city full of life, opportunity, and Southern hospitality.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Best Life Insurance | 12436 Farm to Market 1960 Rd W #347 | +18326501010 |
| Thomas Life Agency | 16516 El Camino Real Suite 115 | +12812221295 |
| Insure with Asher – Houston Texas Life Insurance Broker | 5161 San Felipe St STE 320 | +17133712161 |
| Barnett-Forde Life Insurance | 3139 W Holcombe Blvd Suite 2074 | +18666380064 |
| Precious Life Insurance Agent | 10300 Westoffice Dr Ste 108 | +17139859944 |
| Primerica Life Insurance Agent | 738 S Texas 6 | +18324376248 |
| Have it your way insurance | 1600 Eldridge Pkwy #3002 | +18323196524 |
Best Life Insurance In San Antonio
Nestled in the heart of Texas, San Antonio stands as a vibrant blend of rich history and modern allure. This captivating city, famous for the iconic Alamo and the serpentine River Walk lined with picturesque cafes and shops, pulses with a culturally diverse atmosphere. San Antonio’s warmth extends beyond its sunny climate, inviting visitors to explore its numerous historical missions, enjoy its lively Mexican markets, and partake in its many festivals that celebrate a tradition of community. From thrilling theme parks to serene gardens, San Antonio offers an array of experiences for every taste, making it an unforgettable destination in the Lone Star State.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| John Raba, Independent agent with Castro Community Insurance Agency | 2288 Bandera Rd | +12103790084 |
| Insurance Xchange | 930 SW Military Dr #102 | +12106860888 |
| San Antonio Insurance Services LLC | 14400 Northbrook Dr #150 | +12105410148 |
| EZ Benefits for You | 8026 Vantage Dr Suite 130A | +12108503404 |
| Powerhouse Insurance | 700 N St Mary’s St | +12106109933 |
| Bach Insurance Agency LLC | 735 Kayton Ave | +12107073371 |
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Top Life Insurance Companies In Texas
For the residents of the great state of Texas, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 0 – 85 years |
| Coverage Range | $1,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Very low prices
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Underwriting has become stricter (e.g., no insulin)
- Coverage limited to $25,000 for older applicants
Mutual of Omaha
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 45 – 85 years |
| Coverage Range | $2,000 – $50,000 |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
| Policy Type | Whole Life |
| Available States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Age Range | 45 – 89 years |
| Coverage Range | $2,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
Rikin Shah
Rikin is the Founder & CEO of GetSure. He is a licensed life, accident & health insurance agent in all 50 states (plus D.C.) and has over 15 years of experience in the financial services industry. He has been featured in publications such as Forbes, USA Today, and U.S. News & World Report, among others. Rikin holds a B.S. in Applied Mathematics from Columbia University and an MBA from The Stanford Graduate School of Business. If you'd like to speak with Rikin to discuss your life insurance options or questions, don't hesitate to email him at hello [at] getsure.org.
