Texas · Independent · Consumer-first
Life insurance, sold the way you'd want a friend to sell it.
Richard Parslow is an independent Texas broker. No captive carrier, no quotas, no script.
Licensed in Texas · NPN 20873424 · TX #3076729
Indicative only. Final rate depends on full underwriting.
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.
Term Life Laddering in Texas: Match Coverage to Real Obligations
Laddering term policies trims premium without leaving gaps. Here's how a Texas household structures three terms around mortgage, kids, and income.
No-Exam Life Insurance in Texas: When It Saves You, When It Costs You
No-exam (accelerated underwriting) can close in 48 hours. Here's who qualifies, what carriers actually approve, and when a paramed still wins.
Beyond VGLI: Life Insurance Options for Texas Veterans
VGLI premiums spike every five years. Here's how Texas veterans replace it with civilian term that locks rates for 20–30 years.
How VA Disability Ratings Affect Life Insurance Options in Texas
A VA rating doesn't lock you out of civilian life insurance. Here's how Texas veterans get rated on current health, not service connection.
Fixed-Rate Deferred Annuities in Texas: Safety, Returns, and the Fine Print
MYGAs (multi-year guaranteed annuities) lock a fixed rate for 3–10 years. Here's how a Texas saver compares them to CDs, treasuries, and bond funds.
Annuities Demystified: A Texas Consumer's Guide to Lifetime Income
Fixed, indexed, variable, immediate — annuities sound interchangeable but behave very differently. A plain-English Texas walkthrough.
Life Insurance: What Texas Families Actually Need to Know
Term, whole, IUL, group — a Texas household's plain-English map to which type fits which season of life.
What Actually Shapes Your Life Insurance Rate in Texas
Age, health, build, family history, prescriptions, driving record — and which ones a Texas applicant can actually move before applying.
Why Laddering Life Insurance Protects a Texas Family Better Than One Big Policy
Stacking two or three term policies of different lengths matches coverage to actual obligations and cuts 20–35% of lifetime premium.
The MIB Report: The Quiet File That Sets Your Texas Life Insurance Rate
The Medical Information Bureau keeps a coded 7-year file every life insurer reads. Here's how to pull yours and fix surprises before applying.
Why Your Texas Life Insurance Quote Came Back Higher Than the Online Price
Online quotes assume Preferred Plus health. Real Texas applicants land at Standard 60% of the time. Here's what shifts the number.
How Life Insurance Underwriting Works for Texas Applicants
From application to approval: the eight-step process every Texas applicant goes through, and the typical timeline for each.
Employer Life Insurance vs. Personal Coverage: A Texas Worker's Comparison
Free group life looks great until you change jobs. Here's why most Texans need personal coverage layered on top.
Accelerated Underwriting in Texas: Real Benefits, Real Limits
Skip the blood draw, get a policy in 48 hours. Here's who actually qualifies in Texas and where the algorithm draws the line.
Your Texas Life Insurance Next-Steps Checklist
Eight concrete actions, in order, for a Texas household ready to buy or replace coverage this quarter.
2026 Texas Life Insurance: Policy Provisions & Regulations Guide
Free-look windows, contestability, conversion, and the Texas-specific consumer protections every policyholder should know.
Life Insurance for the Living: Hybrid Products Worth Considering in 2026
Long-term care riders, chronic illness riders, and hybrid life/LTC contracts — when they fit a Texas planning picture.
Instant, No-Exam, or Full Underwriting: Which Texas Path Is Right?
Three underwriting paths, three trade-offs. A Texas decision tree for choosing the fastest path that still gets your best rate.
Life Insurance for Texas Business Owners: 6 Protection Strategies
Buy-sell funding, key-person coverage, executive bonus, and split-dollar — the six structures every Texas LLC or S-corp owner should weigh.
Why Every Texas Business Owner Needs Life Insurance
Personal guarantees, SBA loans, payroll, partner obligations — three reasons your business doesn't survive 90 days without you uncovered.
Infinite Banking, Whole Life vs. IUL: What Texas Buyers Should Watch
The 'be your own bank' pitch sounds great. Here's what actually happens to a Texas buyer over 20 years, with numbers.
2025 Life Insurance Stats: What They Mean for Your Texas Family
LIMRA's 2025 numbers translated for Texas households: coverage gaps, ownership rates, and where Texans are over- and under-insured.
How Much Life Insurance Does a Texas Household Actually Need?
Three honest methods to size coverage — DIME, income-multiple, and obligation-stack — applied to a real Texas household.