Texas · Independent · Consumer-first
Texas life insurance, without the sales pitch.
Compare term, whole, and IUL from 30+ 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).
30+ A-rated carriers compared — including
- Symetra
- Pacific Life
- Protective
- Banner
- Lincoln
- Mutual of Omaha
- Foresters
- Prudential
- SBLI
- Legal & General
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 30+ 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.
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.
30+ 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.
Irrevocable Life Insurance Trusts (ILITs) in Texas: When Estate Planning Meets Insurance
How an ILIT removes life insurance from your Texas estate for federal estate tax purposes — three-year lookback, Crummey letters, and when it's actually worth the complexity.
Term vs Whole Life Insurance in Texas: The Real Cost Comparison
Term vs whole life in Texas with real March 2026 rates, break-even math, and who each product actually fits. Compare your options and get a Texas quote.
IUL vs 401(k) in Texas: An Honest Side-by-Side Comparison
IUL vs 401(k) compared honestly: caps, fees, the employer match, and when an IUL actually belongs in a Texas plan. Run the numbers and get a Texas quote.
Guaranteed Issue Life Insurance in Texas: When It's the Right Choice
How guaranteed-issue whole life works in Texas — the two-year graded death benefit, typical premiums by age, and how to know whether you actually need to skip underwriting.
Life Insurance for Seniors Over 60 in Texas: Options, Costs, and Traps
Term, whole life, guaranteed issue, and final expense for Texans over 60 — realistic premiums, health thresholds, and how to avoid the common senior-market sales traps.
Life Insurance Riders in Texas: Which Ones Are Worth Paying For
A plain-English guide to the life insurance riders offered in Texas — accelerated death benefit, waiver of premium, child, term conversion, LTC — and which ones actually earn their cost.
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?
Over 30 A-rated carriers for term, whole, IUL, and final expense — including Symetra, Pacific Life, Protective, Banner, Mutual of Omaha, and Lincoln.