Expertise.com
2024

Last updated:

Best Life Insurance Companies in Baytown

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Baytown 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.

3389

Reviewed

2037

Curated

9

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
11200 Broadway Street, Pearland, TX 77584
  • Life Insurance

Why choose this provider?

Since its establishment in 2002, Bello Insurance Services Inc. has provided life insurance solutions for individuals and families around the Baytown area. As an independently-owned agency, it represents a vast network of insurance carriers and assists clients with securing life insurance services and products that fit their needs. The most common life insurance plans the agency provides include term life and whole life or permanent life insurance. Additionally, clients may use the tool on its website to get a quick quote for their preferred policies.

License Verified:

License: 19241797

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (78)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
700 Park Street, Baytown, TX 77520
  • Life Insurance
  • Health Insurance

Why choose this provider?

AEX Insurance is a financial service provider in Baytown that connects clients with life insurance policies that serve to protect their long-term financial interests. It educates individuals about their life insurance options. Moreover, through its network of insurance carriers, it finds policies that benefit their dependents in various ways, such as settling unpaid debts, replacing the policyholder's lost income, or paying for future educational expenses. Additionally, AEX Insurance offers assistance with auto, home, business, and motorcycle insurance policies.

License Verified:

License: 1560343

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.0 / 5 (22)
Facebook
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5906 North Highway 146, Baytown, TX 77521
  • Life Insurance
  • Health Insurance

Why choose this provider?

Renee Thibodeaux is a State Farm insurance agent who has been serving Baytown and the surrounding communities since 2009. She helps clients secure life insurance plans with term, universal, and whole life coverages. She also offers health policies and insurance products for businesses, properties, homes, automobiles, and pets. Annuities, banking services, and mutual funds are also available. Her office also assists clients who speak Spanish. Renee is a member of the West Chambers County Chamber of Commerce and the Baytown Chamber of Commerce.

License Verified:

License: 1511499

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (17)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8018 North Highway 146, Baytown, TX 77523
  • Life Insurance
  • Health Insurance

Why choose this provider?

Ray Grayson is a local State Farm insurance agent who serves clients in Baytown. He offers various types of life insurance products, including universal life and return of premium life insurance. He also offers other insurance products that include homeowners, auto, and flood insurance. Ray assists owners of small businesses and artisan contractors with getting the insurance coverage they need to protect themselves and their workers. As a resident of the metro, he has coached teenage football players for more than 20 years.

License Verified:

License: 2255981

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (121)
Facebook
5.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
100 West Clayton Street, Dayton, TX 77535
  • Life Insurance
  • Health Insurance

Why choose this provider?

Randel Arnold owns a State Farm-affiliated insurance agency that serves clients in Baytown and the surrounding areas. Randel has been working as an agent for over 39 years and currently manages a team of insurance professionals. His firm offers a variety of insurance products to individuals, families, and businesses, including life insurance plans. The company's life insurance policy can cover debts, replace income, and pay college expenses. Randel's team aims to ensure that the families in the community are protected.

License Verified:

License: 724099

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2866 Farm to Market 1960, Dayton, TX 77535
  • Life Insurance

Why choose this provider?

Skarpa Insurance Agency is an independent family-owned and operated insurance agency that serves clients in Baytown. It offers various types of life insurance policies, including term life insurance and permanent life insurance. The agency also offers other insurance products, such as car insurance, home insurance, and flood insurance. It has also partnered with several insurance carriers, including UPC Insurance, New Century Insurance Co., and Travelers, to offer clients a wide range of insurance coverage options. Felix Skarpa established the agency in 1992.

License Verified:

License: 952649

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
140 Cypress Station Drive, Houston, TX 77090
  • Life Insurance
  • Health Insurance

Why choose this provider?

American Income Life Insurance Company serves the insurance needs of individuals and families living in Baytown. It provides coverage for an entire life or a period, helps produce cash and loan value, offers accelerated benefits, assists with mortgage payments, plans children's and grandchildren's futures, and arranges funeral services. Established in 1951, the international business operates in Canada and New Zealand. It is also recognized as an S&P 500 Company and it deals with supplemental health products.

License Verified:

License: 2019372

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (5559)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4221 Telephone Road, Houston, TX 77087
  • Life Insurance

Why choose this provider?

Harris County Insurance Center is an independent agency for personal and business insurance. They assist clients from requesting a quote on a home, car, or business to a custom package that fits all client needs. HCIC is a one-stop shop for all things insurance-related. They work hard to establish client trust in all their locations: Houston Metro, Baytown, Pasadena, Houston, Houston-West, Deer Park, and Port Isabel. They offer homeowners, motorcycle, auto, boat, RV, condo, renters, umbrella, flood, manufacturer, and Mexican insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.5 / 5 (4)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4003 Center Street, Deer Park, TX 77536
  • Life Insurance

Why choose this provider?

David B. Turrentine Independent Insurance Agency is an insurance service provider located in Deer Park. Serving clients throughout Baytown, Houston, and Pasadena, the company offers a wide array of insurance plans for businesses and individuals. It provides term life insurance and permanent life insurance plans and guides clients in choosing the right level of coverage suited to their needs and financial situations. Founded in 2003, this independent insurance agency enables access to more than 30 insurance carriers to provide clients various policy options.

License Verified:

License: 1215085

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Facebook
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • In Baytown, what kind of life insurance product is fit for those who wish to support a child's schooling?

    If an individual in Baytown wishes to fund a child's tuition, the ideal product is term-life insurance. A child will finish school at some point, and the insurance policy only covers the period when the insured's untimely death might jeopardize their education. There is no need to cover the rest of one’s life.

  • What is the remedy in Baytown for one who wishes to extend the coverage of a term-life policy?

    One who wishes to extend a term-life policy in Baytown may extend the plan on an annual basis to get additional coverage, but the new premium will cost more than the previous one. In the case of renewal, it is unnecessary to take a new medical exam. Depending on the insurer, converting to whole life may also be an option.

  • What is the appropriate insurance product in Baytown for those who may need the benefits while still alive?

    For those in Baytown who need insurance benefits while they are still alive, it is possible to obtain a permanent life insurance plan since these policies have a cash value. This represents the savings component of an insurance contract and may be withdrawn before death. The downside is that the death benefits will be reduced.

  • What are riders in life insurance contracts drafted in Baytown?

    In insurance contracts drafted in Baytown, a rider is an added clause or document that modifies the agreement or adds terms and conditions outside the policy's terms. Some riders may impose new conditions for payouts, like releasing half the death benefit once the insured has less than a year to live.

  • How are whole life policies different from universal life policies in Baytown?

    A whole life insurance policy in Baytown has permanent coverage and cash value like a universal plan. However, the former has set values for premium payments, established when the contract is taken out and left unchanged until it ends. Universal life insurance products have variable premium payments, which can be altered based on factors like ability to pay or age.

  • 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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