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Best Life Insurance Companies in Odessa, TX

Our Recommended Top 9

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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.

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9Top Picks

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Providers

featured provider = Featured Provider

Best Life Insurance Companies Serving Odessa
1315 North County Road West, Odessa, TX 79763
Visit WebsiteLicense: 10139

Expertise.com Rating

Review Sources

Google
4.4 (51)

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

Best Life Insurance Companies Serving Odessa
1011 North Dixie Boulevard, Odessa, TX 79761
Visit WebsiteLicense: 1461099

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Google
3.7 (18)
Facebook
5.0 (12)

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

Best Life Insurance Companies Serving Odessa
501 North Lee Avenue, Odessa, TX 79761

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.

  • Life Insurance
  • Individual Plans
  • Health Insurance

Best Life Insurance Companies Serving Odessa
3527 Billy Hext Road, Odessa, TX 79765
Visit WebsiteLicense: 4716

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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.

  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving Odessa
1613 East 8th Street, Odessa, TX 79761
Visit WebsiteLicense: 1847497

Expertise.com Rating

Review Sources

Google
4.3 (24)

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

Best Life Insurance Companies Serving Odessa
825 John Ben Shepperd Parkway, Odessa, TX 79761
Visit 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

Best Life Insurance Companies Serving Odessa
1301 North Grant Avenue, Odessa, TX 79763
Visit WebsiteLicense: 1987846

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Review Sources

Facebook
5.0 (14)
Google
5.0 (10)

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

Best Life Insurance Companies Serving Odessa
1000 Maple Avenue, Odessa, TX 79761
Visit WebsiteLicense: 2190113

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
4.8 (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
  • Permanent Life Insurance Policy
  • Term Life Insurance

Best Life Insurance Companies Serving Odessa
600 East 42nd Street, Odessa, TX 79762
Visit WebsiteLicense: 1560656

Expertise.com Rating

Review Sources

Google
4.9 (35)

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.

  • Health Insurance
  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
McKenzie Agency, Inc
1315 North County Road West, Odessa, TX 79763
HSB Insurance
1011 North Dixie Boulevard, Odessa, TX 79761
Hayes Insurance
501 North Lee Avenue, 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
Aquinto Agency
825 John Ben Shepperd Parkway, Odessa, TX 79761
Dominguez Insurance Agency
1301 North Grant Avenue, Odessa, TX 79763
West Texas Insurance Exchange, Inc
1000 Maple Avenue, Odessa, TX 79761
Filiberto Gonzales
600 East 42nd Street, Odessa, TX 79762

Odessa, TX Life Insurance 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.