Texas · Independent · Consumer-first
Texas life insurance, without the sales pitch.
Compare term, whole life, IUL, and final expense options with Richard Parslow, an independent broker serving Texas families.
Licensed in Texas · NPN 20873424 · TX #3076729
Carrier quote needed. These selections do not calculate a premium or determine eligibility. The button opens a contact draft in this tab with your selections for you to review. Nothing is submitted until you send the form.
For help with carrier and policy selection,
Contact RichardLife Policy Pilot at a glance
- Broker
- Richard Parslow · Independent life insurance broker
- Location and service area
- Buda, TX · Texas residents
- Licensing identifiers
- TX #3076729 · NPN 20873424
- Products
- Term, whole life, IUL, and final expense
- Consultation and compensation
- Free consultation; carrier-paid commission when a policy is placed
Verify a license with TDI · Search by name or Texas license number.
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 compare suitable carriers
We shortlist products for your needs and eligibility, then compare premiums, guarantees, features, and exclusions.
- 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
Index-linked interest, subject to caps and charges. An interest floor does not prevent cash value from falling after fees.
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
Two Texas guides to start with
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
Explore premiums, loans, hypothetical dividends, and an approximate seven-pay threshold. Carrier limits require confirmation.
Life insurance health class estimator
Choose a carrier product and underwriting route to screen health history, benefit design, and reasons for review.
Term life ladder calculator
Estimate remaining obligations and compare up to three policy layers using annual premiums you enter.
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.
Multiple carrier options
For help selecting a carrier, contact Richard for a personal review.
Contact RichardTransparent commission
We're paid by the carrier when a policy issues. Ask how compensation works and compare matched policy quotes.
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.
Life Insurance for U.S. Expats and Foreign Residents: The Complete Guide
Living abroad? Learn how life insurance for U.S. expats works: residency, country risk, U.S. ties, banking, tax forms and claims. Plan your coverage.
How Much Does Life Insurance Cost in Texas? 2026 Rates by Age
Real Texas monthly premiums by age, sex, health class, and coverage amount — plus the five factors that move your rate more than which carrier you pick.
How to Choose a Life Insurance Agent: 10 Red Flags
Learn how to choose a trustworthy life insurance agent, especially for seniors. Check 10 red flags, compare advice, and request a second opinion.
Is Life Insurance Taxable in Texas? Payouts, Cash Value, and Estates
Life insurance death benefits are generally income-tax-free in Texas. Here are the exceptions that actually create a tax bill — interest, transfers, estates, and policy loans.
VGLI vs. Private Life Insurance: A Texas Veteran's Guide
Cost-benefit analysis of converting VGLI vs. buying private term life insurance as a Texas veteran, including underwriting nuances by condition.
VGLI vs. Civilian Term Insurance for Texas Veterans
Head-to-head premium comparison for Texas veterans: VGLI's five-year age bands vs. level 20- and 30-year civilian term rates.
Frequently asked questions
What is the difference between a captive agent and an independent broker?
A captive agent primarily represents one insurer; an independent broker can generally compare multiple insurers. Independence does not guarantee suitability or access to every carrier. Ask about appointments, compensation, alternatives, and the written reason for a recommendation.
What happens after I request a life insurance quote?
Life Policy Pilot reviews your goal, budget, existing coverage, and applicant information to shortlist suitable products. Preliminary quotes use stated assumptions. If you choose to apply, the carrier reviews its required evidence and determines the final offer. Coverage begins only after its activation requirements are met and it confirms the policy is in force.
Can I cancel a new life insurance policy?
Check the free-look provision and deadline in the delivered policy immediately. Cancellation rights, refunds, and later surrender charges depend on the contract and timing. Ask the insurer for written instructions, and consult TDI’s consumer guide if you need help.
What is Life Policy Pilot?
Life Policy Pilot is the life insurance brokerage and education brand of Richard Parslow, an independent broker based in Buda, Texas, serving Texas residents. Texas license #3076729; National Producer Number 20873424.
What does an independent life insurance broker cost?
Consultations with Life Policy Pilot are free. If a policy is placed, the insurance carrier pays a commission. Ask for the compensation structure and compare the same carrier, product, coverage, riders, and underwriting class when comparing premiums.
Which types of life insurance can you compare?
We help compare term life, whole life, indexed universal life (IUL), and final expense coverage. The starting point is the obligation you want to protect, how long it lasts, and a premium you can maintain.
Do you quote every carrier for every applicant?
No. The comparison uses the carriers and products relevant to your age, health history, coverage amount, and goals. Availability and eligibility vary. Ask which carriers were considered and why a shortlist was selected.
How do you compare policies beyond the premium?
We compare the benefit amount and duration, underwriting requirements, guarantees, renewal and conversion terms, riders and exclusions, and any cash-value charges or surrender schedule. A cheaper premium can come with different terms.
Are the calculators an offer of coverage?
No. They provide educational scenarios and product shortlists. Only a carrier can approve an application and issue a policy; final premiums depend on the product and underwriting. The homepage planner does not generate a carrier rate.
How much life insurance do I need?
Add debts, final expenses, remaining income support, childcare, and education goals, then subtract usable savings and existing coverage. Review the duration of each need and whether employer coverage continues if you leave your job. The Term Ladder Calculator models this gap over time.
Can you help veterans compare civilian coverage?
We can discuss civilian life insurance alongside existing military or veteran coverage. Keep current coverage in place while reviewing alternatives, and verify eligibility, conversion deadlines, and benefits with the applicable program.
How do I verify a Texas insurance license?
Use the Texas Department of Insurance agent lookup and search Richard Parslow or Texas license #3076729. The National Producer Number identifies a producer; it is not itself a state license. The verification link appears below the broker facts and in the footer.
How do I request a quote or consultation?
Fill out the form on the contact page to request a quote or consultation; your submission is emailed directly to Richard, who replies within one business day. You can ask about coverage before deciding whether to apply. A consultation does not bind coverage.