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Best Life Insurance Companies in Odessa, TX

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Odessa 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.

5277Reviewed

3169Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

825 John Ben Shepperd Parkway, Odessa, TX 79761
WebsiteLicense: 2588586

Expertise.com Rating

Review Sources

Google
5.0 (35)

Why choose this provider?

Aquinto Agency is an independent insurance firm based in Odessa that was founded in 2020. The company specializes in providing families and individuals with life insurance options that are available in final expense, term, universal, and whole categories. Additionally, it carries insurance solutions for health, vehicles, homes, renters, valuable items, and flood damage. Aquinto Agency also works closely with local businesses to provide insurance coverage for liabilities, commercial properties, medical malpractice, surety bonds, and workers' compensation.

  • Life Insurance

1011 North Dixie Boulevard, Odessa, TX 79761
WebsiteLicense: 1461099

Expertise.com Rating

Review Sources

Google
4.0 (14)
Facebook
5.0 (4)

Why choose this provider?

Headquartered in Odessa, HSB Insurance Agency delivers a variety of insurance policies for personal and commercial clients. The company assists individuals in safeguarding the financial future of their beneficiaries at the time of their demise with a life insurance policy. Being an independent insurance firm, the agency delivers different coverage options from multiple providers. The team assesses the needs of their clients and helps them choose the most suitable policy akin to their requirements. The company also serves clients in all of Texas.

  • Life Insurance

3527 Billy Hext Road, Odessa, TX 79765
WebsiteLicense: 4716

Expertise.com Rating

Review Sources

Google
4.0 (5)

Why choose this provider?

Allbright & Duncan Insurance is an agency that provides its services to clients in Odessa and the surrounding areas. It offers a variety of life insurance options for the policyholders and their family's well-being. It also provides a specified sum of payment to the beneficiaries in case of the insured's death. The agency also offers other products, such as auto, health, business, home, and renters' insurance. Moreover, it aims to create long-lasting relationships with its clients while securing their private information.

  • Life Insurance
  • Health Insurance

1613 East 8th Street, Odessa, TX 79761
WebsiteLicense: 1847497

Expertise.com Rating

Review Sources

Google
4.0 (18)

Why choose this provider?

Patricia Torres Insurance Agency LLC is a firm that has been serving individuals, families, and businesses in Odessa for more than 20 years. The brokerage offers a wide range of risk management solutions, including life and health insurance policies as well as home and automobile insurance coverage options. Additionally, it provides business and commercial policies. Its insurance professionals aim to assist clients in navigating through multiple insurance programs and help clients choose the right policies.

  • Life Insurance

1000 Maple Avenue, Odessa, TX 79761
WebsiteLicense: 2190113

Expertise.com Rating

Review Sources

Google
4.0 (4)

Why choose this provider?

West Texas Insurance Exchange, Inc., is a Midland-based insurance company. It provides a comprehensive array of insurance products in Odessa and the surrounding areas. It offers various types of life insurance plans, including term life insurance and permanent life insurance policies. As an independent insurance agency, the company has access to multiple insurance carriers that provide an extensive selection of policy options. West Texas Insurance Exchange has been serving the West Texas area since 1962.

  • Life Insurance
  • Term Life Insurance
  • Permanent Life Insurance Policy

1301 North Grant Avenue, Odessa, TX 79763
WebsiteLicense: 1987846

Expertise.com Rating

Review Sources

Google
5.0 (9)
Facebook
5.0 (7)

Why choose this provider?

Dominguez Insurance Agency is an independent company that delivers insurance solutions to individuals, families, and business owners in the Odessa metro. It helps clients acquire life insurance that may include universal, whole, and term coverages. These life insurance plans provide financial security to policyholders and their beneficiaries. In addition, Dominguez Insurance Agency offers other personal and business policies, such as home, classic car, umbrella, workers' compensation, and cyber liability insurance. Owner Diana Dominguez has been in the insurance industry for over 24 years.

  • Life Insurance

501 North Lee Avenue, Odessa, TX 79761

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Hayes Insurance is an independent insurance agency in Odessa. It has been serving individuals, families, and businesses for more than 50 years with life insurance and health insurance plans. Its partner carriers include Blue Cross Blue Shield of Texas, United Health Care, Principal Financial, and Humana. Hayes Insurance is a member of the National Federation of Independent Business, National Association of Health Underwriters, Odessa Chamber of Commerce, and The Odessa Rotary Club.

  • Individual Plans
  • Life Insurance
  • Health Insurance

1315 North County Road West, Odessa, TX 79763
WebsiteLicense: 10139

Expertise.com Rating

Review Sources

Google
4.5 (39)
Yelp
5.0 (5)

Why choose this provider?

McKenzie Agency, Inc. has been serving Odessa as an independent insurance agency since 1993. Some of the company's insurance policies cover lives, homes, automobiles, and recreational vehicles. Individuals can choose from term and permanent life insurance plans depending on their needs. Additionally, the commercial insurance plans offered by the agency include bonds, general liability, and workers' compensation. Owner Londa McKenzie and her team help customers find suitable coverage regardless of their history.

  • Life Insurance

600 East 42nd Street, Odessa, TX 79762
WebsiteLicense: 1560656

Expertise.com Rating

Review Sources

Google
4.8 (26)

Why choose this provider?

Filberto Gonzales is an insurance agent associated with StateFarm that serves Odessa and the nearby areas. He offers life insurance products such as term life, whole life, and universal life insurance. He can also accommodate requests to change policies or beneficiaries. Apart from life insurance, Filberto also offers a number of different products such as auto, home, workers' compensation, and personal liability insurance. Clients who are looking for comprehensive coverage for their pets can also approach him for assistance.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Aquinto Agency
825 John Ben Shepperd Parkway, Odessa, TX 79761
HSB Insurance
1011 North Dixie Boulevard, Odessa, TX 79761
Allbright & Duncan Insurance
3527 Billy Hext Road, Odessa, TX 79765
Patricia Torres Insurance Agency LLC
1613 East 8th Street, Odessa, TX 79761
West Texas Insurance Exchange, Inc
1000 Maple Avenue, Odessa, TX 79761
Dominguez Insurance Agency
1301 North Grant Avenue, Odessa, TX 79763
Hayes Insurance
501 North Lee Avenue, Odessa, TX 79761
McKenzie Agency, Inc
1315 North County Road West, Odessa, TX 79763
Filiberto Gonzales
600 East 42nd Street, Odessa, TX 79762

FAQs

  • Can an insurance company deny benefits based on the policyholder’s cause of death in Odessa?

    Yes, a life insurance company in Odessa can refuse to pay benefits based on the cause of death of the policyholder. Deaths during the incontestability period, drug overdose, alcohol abuse, smoking-related complications, self-inflicted wounds, and deaths caused by unknown illnesses, diseases, or medical conditions are examples of these situations. If the insurer determines that the policyholder died in one of these categories, the claim may be denied.

  • Can your life insurance policy be contested after the contestability period in Odessa?

    Life insurance policies in Odessa have a two-year contestability period. If the policyholder dies during this period, the insurance company may investigate the cause of death and review the policy application. However, if the policyholder dies after two years, the insurance company is generally obligated to pay the death benefit. They can only refuse payment if the policyholder failed to pay premiums or provided false information.

  • Do life insurance companies need permission to obtain medical records in Odessa?

    Yes, life insurance companies in Odessa are required by law to obtain the policyholder's medical records with the consent of the policyholder's executor or other authorized representative. According to the Access to Medical Reports Act (1988) and the Data Protection Act (2018), insurance companies are not permitted to access these records without consent.

  • Do you need life insurance if you have no dependents in Odessa?

    Life insurance is commonly associated with supporting dependents in Odessa, but it can also serve other financial purposes. You can also use it to access the policy's cash value, use it as collateral, or use the accelerated death benefit if you are diagnosed with a terminal illness, specified disease, or long-term care illness.

  • What is the difference between term life insurance and permanent life insurance in Odessa?

    In Odessa, term life insurance is designed to provide coverage for a set period of time, usually when you have dependents such as children or are raising a family. In contrast, permanent life insurance can last your entire life and often includes a savings component that allows you to withdraw, invest, or borrow against the accrued savings. However, it is important to note that permanent life insurance typically has higher premiums than term life insurance.

  • 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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