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Best Life Insurance Companies in San Antonio, TX

Our Recommended Top 19

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored San Antonio 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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19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

16111 San Pedro Avenue Suite 101, San Antonio, TX 78232
WebsiteLicense: 19090375

Expertise.com Rating

Review Sources

Google
4.9 (85)
Facebook
5.0 (20)
Yelp
5.0 (4)

Why choose this provider?

The Insurance Solutions Experts (TISE) is a life and health insurance agency that caters to clients in San Antonio. It educates applicants and policyholders about term, whole, and universal life plans. The agency explains the death benefits of each plan, such as inheritance or income replacement. It also compares monthly and annual rates to fit a client's budget. Aside from life insurance, TISE handles dental and group health plans for businesses or commercial establishments.

  • Health Insurance

8000 West Interstate 10, San Antonio, TX 78230
WebsiteLicense: 1764313

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

The Insurance Guys is an independent insurance agency that helps individuals and businesses in Round Rock and the surrounding cities secure their future. This firm offers personal insurance coverage for different policies such as home, auto, and life insurance. Additionally, it also specializes in professional liability, workers’ compensation, commercial vehicle insurance, and umbrella policy. The Insurance Guys has experienced insurance agents who strive in creating customized insurance solutions that match the needs of each client.

  • Life Insurance

234 Bandera Rd, San Antonio, TX 78228
WebsiteLicense: 7871131

Expertise.com Rating

Review Sources

Google
4.5 (20)
Facebook
5.0 (5)

Why choose this provider?

Saucedo Insurance Agency is a full-service business operating in San Antonio. It offers term and permanent life insurance coverage options, which can be used for purposes like college education funding and paying off debt. Its team of professionals shops across a wide range of carriers to provide tailored solutions and help clients choose, including Allstate, Progressive, Nationwide, Foremost, and National General. The agency also provides insurance plans for homeowners, contractors, businesses, automobiles, and workers' compensation.

2060 Universal City Blvd Ste B, Universal City, TX 78148

Expertise.com Rating

Review Sources

Yelp
5.0 (22)
Facebook
5.0 (7)

Why choose this provider?

Liberatore Insurance Group is an independent insurance agency near San Antonio that specializes in auto, home, commercial, and individual life insurance. It provides no-obligation quotes from leading carriers, offers impartial advice on the pros and cons of competing policies, and ensures clients fully understand their level of coverage. Its agents arrange an array of policies that manage risk, such as mortgage protection should the holder lose their income, and universal life, protecting the policyholder throughout their years.

1923 Culebra Rd B2, San Antonio, TX 78201
WebsiteLicense: 2295082

Expertise.com Rating

Review Sources

Google
4.7 (3)
Facebook
5.0 (2)

Why choose this provider?

CompleteCare Insurance Group LLC is an independent agency that caters to individuals and families in San Antonio and the surrounding areas. The company has been in the industry since 2008, providing a wide selection of products, including life, health, and Medicare insurance. Its life insurance options cover whole and term life policies. Its additional options include vision and dental insurance. The company's agents can accommodate Spanish-speaking policyholders. Its other service areas include Austin and New Mexico.

  • Life Insurance

8018 Broadway St Ste 202, San Antonio, TX 78209

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Review Sources

Yelp
5.0 (22)
Facebook
5.0 (1)

Why choose this provider?

The Basis Insurance Group is a risk management and health insurance company in San Antonio, founded in 2014 to serve individuals and businesses throughout the metro area. Its health insurance services focus on group health, including dental and vision. Its agents work with companies to develop group health plans. They have access to the policies of leading carriers, such as United Healthcare and Humana, giving them the freedom to choose and the power to negotiate better rates for their clients.

18587 Sigma Road Ste 210, San Antonio, TX 78258
WebsiteLicense: 1647421

Expertise.com Rating

Review Sources

Google
5.0 (288)
Facebook
5.0 (59)

Why choose this provider?

My Insurance Group is an insurance brokerage that offers products and services to individuals, families, and businesses in San Antonio. The company has 10 insurance advisors who write policies for life, health, property, and auto coverage. Its insurance products include term and whole life solutions to cover final costs, mortgage payments, educational expenses, and short-term debt upon death. New and existing customers can also file claims and pay premiums through its online platform.

  • Life Insurance
  • Health Insurance

7410 Blanco Rd Ste 385, San Antonio, TX 78216

Expertise.com Rating

Review Sources

Google
4.8 (20)
Facebook
3.0 (1)

Why choose this provider?

Founded more than 35 years ago, the Toubin Insurance Agency is an award-winning provider of life and health insurance and employee benefits plans. An independent agency, it has developed links with leading carriers, such as Aetna and Transamerica, to bring its clients an array of policies that satisfy their coverage requirements. Its group health plans also cover vision and dental and can be tailored to include life insurance and disability.

4404 San Pedro, San Antonio, TX 78212
WebsiteLicense: 2740126

Expertise.com Rating

Review Sources

Google
4.4 (41)
Facebook
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Bexar Insurance Group is an independent agency that serves clients throughout San Antonio and its surrounding communities. It provides various insurance products, including term and cash value life insurance plans. It helps clients in selecting the right level of coverage for their needs. The agency represents multiple carriers in the industry to provide clients with more policy options. Additionally, it offers auto, business, and homeowners' insurance products. It has been providing insurance solutions since 2002.

  • Life Insurance

1534 W Contour Dr #301, San Antonio, TX 78212
WebsiteLicense: 698989

Expertise.com Rating

Review Sources

Google
5.0 (2)
Facebook
5.0 (2)

Why choose this provider?

M A R Financial Group is an insurance agency catering to the personal and commercial risk management needs of San Antonio. It customizes life insurance protection plans, with options for group benefits, voluntary insurance, and employee benefits. Its insurance agents assist clients in choosing from different coverage options, including mortgage protection, group life, individual life, and long-term care insurance. The agency has been insuring the local community for over 20 years. It supports organizations like Texas Public Radio and UNHCR.

  • Life Insurance

10728 Perrin Beitel Rd, San Antonio, TX 78217
WebsiteLicense: 2510940

Expertise.com Rating

Review Sources

Google
5.0 (17)
Facebook
4.7 (6)

Why choose this provider?

Health And Life Insurance Enrollment Center serves individuals and families in and around San Antonio. As an independent insurance agency, it works with various providers to help clients find and understand the coverage that best meets their specific needs. It offers term life and whole life insurance options, individual and family health plans, and vision and dental coverage. The company also provides supplemental insurance for accidents, disability, critical illness, fixed indemnity, hospital confinement, and long-term care.

  • Life Insurance
  • Health Insurance

5250 Prue Road, Suite 445, San Antonio, TX 78240
WebsiteLicense: 677899

Expertise.com Rating

Why choose this provider?

Ameritas is an insurance firm serving San Antonio and neighboring communities. It has been providing insurance, employee benefits, and financial services for more than a century. It offers a variety of products to help people prepare for life's uncertainties, such as life and disability income insurance. It also helps clients achieve their financial goals through wealth management products, such as investments and annuities. In addition to personal coverage, the agency has available employee benefits products, including dental and vision insurance.

  • Life Insurance

1630 Lockhill Selma Road, San Antonio, TX 78213
WebsiteLicense: 2200992

Expertise.com Rating

Review Sources

Google
5.0 (51)
Facebook
5.0 (4)

Why choose this provider?

Fidelis Insurance Brokers is a San Antonio-based independent insurance brokerage with more than 15 years of experience. Its goal is to protect individuals, families, and businesses from the financial impact of unexpected situations. This agency offers individual life insurance packages encompassing term life, whole life, and universal life packages. It also offers child life insurance with funeral, counseling, and leave from work coverage that doubles as savings for college fees. Additionally, Fidelis Insurance Brokers offers extensive personal and business insurance policies.

  • Life Insurance

1777 NE Interstate 410 Loop Suite 600, San Antonio, TX 78217
WebsiteLicense: 1623304

Expertise.com Rating

Review Sources

Google
5.0 (192)
Facebook
5.0 (82)
Yelp
3.7 (3)

Why choose this provider?

Sogo is a family-owned full-service insurance brokerage and financial services firm that has been serving individuals, families, and business owners from San Antonio for more than a decade. It provides different kinds of life insurance, including individual life, child life, and key person life insurance. The other types of insurance that the company offers include long-term care, long-term disability, and home insurance. Sogo is a member of the National Association of Insurance and Financial Advisers.

  • Life Insurance
  • Permanent Life Insurance Policy

16620 San Pedro Ave Suite 100, San Antonio, TX 78232
WebsiteLicense: 1669406

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
5.0 (5)

Why choose this provider?

Westex Insurance Services is an independent agency that has been serving clients in San Antonio and surrounding areas since 1970. It surveys the marketplace and conducts needs analyses for individuals and their families to provide term or whole life insurance suitable for their budgets. The company offers short- and long-term disability policies and insurance plans for homeowners, boats, and all-terrain vehicles. Westex Insurance Services also extends its products to commercial customers who need coverage for cyber and general liability.

  • Life Insurance
  • Health Insurance

1383 East Bitters #1, San Antonio, TX 78216
WebsiteLicense: 3150

Expertise.com Rating

Review Sources

Facebook
4.9 (54)
Google
5.0 (23)
Yelp
5.0 (4)

Why choose this provider?

David Ison & Sons Insurance, Inc., is an independent agency that caters to clients in San Antonio and the surrounding areas. It provides different types of life insurance, including term and whole life coverages. The firm offers three types of whole life insurance: universal, variable universal, and traditional whole life. It helps clients choose from a variety of carriers, including Nationwide, Berkshire Hathaway Homestate Companies, Liberty Mutual Insurance, and Progressive, the policy that suits their needs. The company has been in the insurance industry since 1978.

  • Life Insurance

430 Austin Street Suite 200, San Antonio, TX 78209
WebsiteLicense: 1132083

Expertise.com Rating

Review Sources

Facebook
4.7 (22)
Google
4.8 (20)

Why choose this provider?

Offenhauser & Co., serves clients in the San Antonio metro. It offers a variety of life insurance coverage, including term, whole, and universal life plans, to individuals seeking to provide financial benefits to family members upon premature death. Its term life insurance is available with fixed premiums and convertible to permanent coverage. Its whole life and universal life plans build cash value over time, which helps with college tuition and home expenses. Offenhauser & Co. has 140 years of industry experience.

  • Life Insurance
  • Health Insurance

930 SW Military Drive Suite 102, San Antonio, TX 78221
WebsiteLicense: 1306287

Expertise.com Rating

Review Sources

Google
5.0 (49)
Facebook
5.0 (12)

Why choose this provider?

Insurance Xchange is an independent insurance agency that serves individuals, families, and business owners from San Antonio and the surrounding areas. It provides life insurance and health insurance plans. Other personal lines of insurance that it offers include homeowners', automobile, and motorcycle insurance. It also provides business and commercial insurance plans, such as general liability and workers' compensation insurance. Insurance Xchange has been in operation since 2015. The company has served more than 1,300 clients.

  • Life Insurance

9310 Broadway #100, San Antonio, TX 78217
WebsiteLicense: 7442

Expertise.com Rating

Review Sources

Google
4.7 (30)
Yelp
5.0 (1)

Why choose this provider?

Dan Kay Insurance is an independent local agency operating in San Antonio. It helps individuals in accessing term or whole life insurance plans that contribute to charitable donations, paying final expenses, creating an inheritance for heirs, and paying federal death and estate taxes. Its team assists with considering different factors in customizing a policy, such as the number of children, future earnings potential, and the amount of debt a client has. The firm also provides insurance coverage options for health, umbrella, and high-net-worth individuals.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
The Insurance Solutions Experts
16111 San Pedro Avenue Suite 101, San Antonio, TX 78232
The Insurance Guys
8000 West Interstate 10, San Antonio, TX 78230
Saucedo Insurance Agency
234 Bandera Rd, San Antonio, TX 78228
Liberatore Insurance Group
2060 Universal City Blvd Ste B, Universal City, TX 78148
CompleteCare Insurance Group LLC
1923 Culebra Rd B2, San Antonio, TX 78201
Basis Insurance Group
8018 Broadway St Ste 202, San Antonio, TX 78209
My Insurance Group
18587 Sigma Road Ste 210, San Antonio, TX 78258
Toubin Insurance Agency
7410 Blanco Rd Ste 385, San Antonio, TX 78216
Bexar Insurance Group
4404 San Pedro, San Antonio, TX 78212
M A R Financial Group
1534 W Contour Dr #301, San Antonio, TX 78212
Health And Life Insurance Enrollment Center
10728 Perrin Beitel Rd, San Antonio, TX 78217
Laura Schrutka
5250 Prue Road, Suite 445, San Antonio, TX 78240
Fidelis Insurance Brokers
1630 Lockhill Selma Road, San Antonio, TX 78213
Sogo
1777 NE Interstate 410 Loop Suite 600, San Antonio, TX 78217
Westex Insurance Services
16620 San Pedro Ave Suite 100, San Antonio, TX 78232
David Ison & Sons Insurance, Inc
1383 East Bitters #1, San Antonio, TX 78216
Offenhauser & Co.
430 Austin Street Suite 200, San Antonio, TX 78209
Insurance Xchange
930 SW Military Drive Suite 102, San Antonio, TX 78221
Dan Kay Insurance
9310 Broadway #100, San Antonio, TX 78217

FAQs

  • What are the key tax advantages of owning a life insurance policy in San Antonio?

    Life insurance provides several tax-related advantages to San Antonio residents, including tax-free payout to beneficiaries upon the insured person's passing. This benefit remains untaxed at the municipal, state, and federal levels. Moreover, the cash value within a permanent life insurance policy grows on a tax-deferred basis. This means that policyholders will not incur taxes on these funds until they receive a payout.

  • How can San Antonio residents add multiple beneficiaries to their life insurance policies?

    In San Antonio, the two methods for including multiple beneficiaries in a life insurance policy are per capita and per stirpes. In the per capita method, the policyholder designates that the death benefit should be evenly distributed among all primary beneficiaries who are alive. If one of these primary beneficiaries passes away, their portion is divided equally among the remaining living primary beneficiaries. With the per stirpes approach, the share of a deceased primary beneficiary goes to their descendants.

  • Who benefits the most from term life insurance policies in San Antonio?

    Term life insurance policies in San Antonio can be particularly advantageous for various demographic segments, including young adults planning to send their children to college. These policies may also benefit surviving spouses seeking income replacement, individuals working to pay off mortgages or other debts, and budget-conscious individuals seeking affordable coverage options.

  • Are there specific Texas regulations that life insurance companies must adhere to to protect San Antonio policyholders?

    Texas law requires life insurance companies to reimburse San Antonio policyholders the entirety of their initial premium payments if they opt to cancel their policies within the first 10 days. The state also offers Guaranty Fund Protection. When policyholders pay their premiums, the Texas Life and Health Insurance Guaranty Association immediately protects their coverage. If the insurance company ever goes under, this association ensures up to $300,000 in life insurance death benefits, with $100,000 for life insurance cash value.

  • How can term-life insurance policyholders in San Antonio improve their coverage?

    San Antonio residents with term-life insurance policies can enhance their coverage by either renewing their existing term policies or converting them into another type of policy. If policyholders remain in good health after 10, 15, or 20 years, they may be eligible for reasonable renewal rates. However, individuals whose health has declined might face higher renewal costs or may not even qualify for renewal at all.

  • 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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