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Best Life Insurance Companies in Lubbock, TX

Our Recommended Top 15

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Lubbock Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

9779Reviewed

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15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5717 66th Street, Lubbock, TX 79424
WebsiteLicense: 7653

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Bednarz Insurance Agency, Inc., is an insurance firm located in Lubbock. It offers products like homeowners insurance, life insurance, auto insurance, and farm insurance. Some of the partner carriers of Bednarz Insurance Agency include Germania Insurance, Progressive, Foremost Insurance Group, National Lloyds, RHP, and Trusted Choice. The company is comprised of five independent agents who aim to provide clients products that match their needs. Russell Bednarz leads the team. Russell was a Senior State adjuster before becoming a company agent in 2000.

  • Life Insurance

4432 South Loop 289, Lubbock, TX 79414

Expertise.com Rating

Review Sources

Google
4.3 (29)

Why choose this provider?

Hettler Insurance Agency is a local provider that has been serving individuals and businesses in the Lubbock area since 1992. Some of its products are personal lines like vehicle, property, and health insurance. An independent insurance firm, Hettler Insurance Agency works with clients to choose from multiple carriers. The agency is owned and managed by Ron Hettler, an experienced broker who has served as the president of the Independent Insurance Agents of Lubbock.

12505 Quaker Avenue, Lubbock, TX 79424
WebsiteLicense: 2190401

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

Bednarz & Associates Insurance Agency offers life insurance policies and estate planning services to clients in Lubbock and the surrounding communities. It also crafts insurance programs that cover houses, barns and silos, feedlots, livestock, and ranches, which can be used by the policyholder to rebuild after unavoidable circumstances. In addition, it customizes commercial insurance coverages for other types of businesses, including wineries and trucking companies. Its owner, Darrell Bednarz, has been in the insurance industry since 1988.

  • Life Insurance

3407 19th Street, Lubbock, TX 79410

Expertise.com Rating

Review Sources

Google
4.0 (4)

Why choose this provider?

Alan Henry Insurance has served the Lubbock metro area for over 70 years and provides clients with comprehensive insurance services for their homes, cars, and businesses. Clients have a multitude of coverage options to protect these possessions and can decide from various plans based on how much coverage they require. Alan Henry Insurance also offers coverage for cyber security incidents, such as identity theft, which can place significant costs upon individuals.

2026 82nd St Unit 103, Lubbock, TX 79423

Why choose this provider?

Rodriguez Insurance Agency is a health insurance company in Lubbock. The company specializes in a variety of personal insurance products, including health and life insurance. It helps clients tailor policies to meet their individual needs and can include options such as critical illness, dental, and vision coverage, as well as living benefits on life insurance policies. In addition to life and health insurance, Rodriguez Insurance Agency also sells home and auto insurance policies, as well as commercial products such as workers' compensation and employee benefits packages. It works with a variety of well-known, reliable insurance carriers, including Progressive and Travelers.

2738 82nd Street, Lubbock, TX 79423

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Scot Freeman Insurance Agency is a family-owned and operated local independent insurance agency that serves the insurance needs of families and businesses in Lubbock and the surrounding communities. It carries life insurance plans across term life, universal life, and whole life options. Additionally, it provides commercial and personal coverage packages. These include commercial property insurance, commercial vehicle, liability insurance, workers’ compensation, auto insurance, and home insurance. Scot Freeman Insurance Agency has served Lubbock for 40 years.

  • Life Insurance

3300 82nd Street, Lubbock, TX 79423

Expertise.com Rating

Review Sources

Google
5.0 (42)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Christie Brown-Hernandez is a State Farm insurance agent serving clients in Lubbock. She offers various insurance products including car, home and property, small business, life and health, disability and liability, and pet medical insurance. She assists clients in managing daily risks and recovering losses from unexpected events. She provides a mobile application that facilitates clients' banking transactions and the management of insurance accounts, including filed insurance claims. Brown-Hernandez also offers coverage for emergency roadside assistance.

7412 82nd Street, Lubbock, TX 79424
WebsiteLicense: 1573073

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

DahlMar has been providing insurance services for clients in Lubbock since 2009. It offers a range of insurance options, including term, universal, and whole life insurance as well as disability and accident insurance. It also provides health and business insurance. Additionally, DahlMar is an investment firm, which aims to help clients reach their long-term financial goals. The company is led by Dahlia Hood, who has been in the insurance industry since 2005, and Mark Hood, who has 15 years of experience in real estate.

  • Life Insurance
  • Health Insurance

4920 S Loop 289 Suite 103, Lubbock, TX 79414
WebsiteLicense: 1996432

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

ValuCare Insurance Services is a company that provides social security consultations and retirement planning to clients in Lubbock and its nearby areas. The firm has been operating for more than 20 years and writes personal, commercial, and Medicare insurance policies. It has different products, such as variable, term, and permanent life insurance plans. These protect policyholders and their families from accidents, final expenses, mortgage payments, and short-term debt. ValuCare Insurance Services also offers personal financial planning.

  • Life Insurance

2509 86th Street, Lubbock, TX 79423
WebsiteLicense: 1512732

Expertise.com Rating

Review Sources

Facebook
5.0 (46)
Google
5.0 (32)

Why choose this provider?

Pirkle Weir Insurance Agency is an insurance service company with offices located in Lubbock and Big Spring. This full-service insurance business offers a wide range of insurance products, including life insurance. Its agents provide term-life insurance and permanent life insurance policies. They also assist clients in determining the right level of coverage that will suit their needs and financial circumstances. Pirkle Weir has been serving clients since 1954, backed by a team with over 100 years of collective industry experience.

  • Life Insurance

8008 Slide Road Suite 22, Lubbock, TX 79424
WebsiteLicense: 803736

Expertise.com Rating

Review Sources

Google
5.0 (36)

Why choose this provider?

Beadle Insurance Agency operates in Lubbock and caters to residents in and around the city. Its agents examine both term and whole life plans from carriers like Foremost, Progressive, and National Lloyds to offer to clients. They educate first-time customers about life coverages for individuals and business owners. The agency provides custom life insurance policies that include inheritance and daily income for beneficiaries. Beadle Insurance Agency was established in 1975. Its other services include homeowners' and automobile insurance. Its staff members provide walk-in and phone call consultations for all queries regarding policies.

  • Life Insurance

1407 19th St, Lubbock, TX 79401
WebsiteLicense: 1295805

Expertise.com Rating

Review Sources

Facebook
5.0 (13)
Google
5.0 (2)

Why choose this provider?

Zuniga Insurance Agency is a locally owned independent firm that serves Lubbock and the surrounding communities. It provides life insurance plans available in term and permanent categories. It also offers insurance coverage for automobiles, health, renters, and bonds. Clients can opt to have their houses, rental properties, and manufactured homes covered with insurance to protect them from disasters. Zuniga Insurance Agency offers policies for builders' risk, BOP, general liability, commercial automobiles, and workers' compensation.

  • Life Insurance
  • Term Life Insurance

3302 64th Street, Lubbock, TX 79413

Expertise.com Rating

Review Sources

Google
4.9 (50)

Why choose this provider?

Chris Prather, State Farm Insurance Agent, sells health insurance policies to clients in the Lubbock metro area. This agency can help clients to purchase plans through State Farm and procure coverage that allows them to receive treatment at various medical facilities and address new and pre-existing conditions. It also sells life insurance policies that cover final expenses and related needs of the deceased. Home insurance, auto insurance, and business insurance policies are available as well.

1651 Broadway Street, Lubbock, TX 79401
WebsiteLicense: 1113

Expertise.com Rating

Review Sources

Google
4.0 (227)
Facebook
5.0 (58)

Why choose this provider?

Grimes Insurance Agency provides health insurance packages to clients in the Lubbock metro. The company offers three kinds of life insurance policies including term life, permanent life, and return of premium life insurance, which is a combination of the first two products. It has partnered with several insurance carrier companies like MetLife, Lincoln Financial Group, and Ohio National Financial Services to offer a variety of personal and commercial insurance products.

  • Life Insurance

2201 University Avenue, Lubbock, TX 79410

Expertise.com Rating

Review Sources

Google
5.0 (32)

Why choose this provider?

West Texas Insurance Agency is a multi-line insurance agency with a location in Lubbock. Established in 1995, it works with several insurance carriers to provide more policy options for its clients. The agency helps clients find the right homeowners' insurance type to cover their individual needs. Homeowners' insurance policies can protect against all risks or only against named perils. West Texas Insurance Agency represents insurance carriers like Stillwater Insurance Group, Travelers, Foremost Insurance Group, Liberty Mutual Insurance, Kemper, and Progressive.

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Bednarz Insurance Agency, Inc.
5717 66th Street, Lubbock, TX 79424
Hettler Insurance Agency
4432 South Loop 289, Lubbock, TX 79414
Bednarz & Associates Insurance Agency
12505 Quaker Avenue, Lubbock, TX 79424
Alan Henry Insurance
3407 19th Street, Lubbock, TX 79410
Rodriguez Insurance Agency
2026 82nd St Unit 103, Lubbock, TX 79423
Scot Freeman Insurance Agency
2738 82nd Street, Lubbock, TX 79423
Christie Brown-Hernandez - State Farm Insurance Agent
3300 82nd Street, Lubbock, TX 79423
Dahlmar
7412 82nd Street, Lubbock, TX 79424
ValuCare Insurance Services
4920 S Loop 289 Suite 103, Lubbock, TX 79414
Pirkle Weir Insurance Agency
2509 86th Street, Lubbock, TX 79423
Beadle Insurance Agency
8008 Slide Road Suite 22, Lubbock, TX 79424
Zuniga Insurance Agency
1407 19th St, Lubbock, TX 79401
Chris Prather - State Farm Insurance Agent
3302 64th Street, Lubbock, TX 79413
Grimes Insurance Agency
1651 Broadway Street, Lubbock, TX 79401
West Texas Insurance Agency
2201 University Avenue, Lubbock, TX 79410

FAQs

  • Is it mandatory for Lubbock residents to have life insurance in Texas and what are its benefits?

    While Texas doesn't mandate life insurance, it's wise for Lubbock individuals to consider it. Acquiring a policy provides financial relief to beneficiaries upon your passing. Absence of this coverage can burden your family with unforeseen costs, starting with funeral and burial charges. It also ensures your kin's welfare after you depart, assisting in funeral expenses, compensating for lost earnings, and preserving your estate.

  • How long is a life insurance contestable period in Lubbock, and how does the initial two-year timeframe impact claims?

    For Lubbock policyholders, the first two years after securing life insurance is termed the contestable period. During this span, insurers can probe application details. If discrepancies emerge, even unintended or irrelevant to the death, the insurer may decline the benefit. Yet, they're obligated to refund paid premiums. Beyond this period, death benefits are unequivocally granted. Lapsed policies that are revived will reenter another two-year contestable period.

  • For Lubbock residents, what occurs if they delay a premium payment or their insurance policy lapses?

    Most policies have a built-in 31-day grace period after the due date, meaning you can pay it during this period without interest and still be covered. If you pass away during this grace period, your beneficiary receives the death benefit after subtracting the unpaid premium. If an insurance policy lapses due to non-payment, it can generally be revived within five years by settling dues, potentially with added interest, and possibly undergoing a health assessment.

  • In Lubbock, can existing life insurance be repurposed to cover a mortgage or significant loan expenses?

    Whether it's a term or cash-value life insurance policy, you can use it to cover your mortgage if you pass away. Do note that term life insurance doesn't have a cash-value account, so you can't borrow money from it to pay loan expenses. Credit life insurance is often suggested when you take out a loan for expensive things like appliances or a car.

  • For Lubbock residents, what is the role of net payment and surrender cost indexes in evaluating insurance policies?

    In Lubbock, insurance evaluators often use two indices: the net payment index, which estimates a policy's cost over a 10 to 20-year span, and the surrender cost index, which weighs the investment's cash value. A lower net payment figure indicates a more budget-friendly policy focused on death benefits. For those valuing investment's cash aspects, a diminished surrender cost index is preferable. When comparing universal life policies, higher cash surrender values signify superior investments.

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

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