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Best Life Insurance Companies in Brownsville

2024

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Providers

Last updated:

Website
222 North Expressway 77, Brownsville, TX 78521
  • Health Insurance

Why choose this provider?

Antonio Espino Insurance presents multiple life insurance options to clients in Brownsville and the surrounding areas. The service provider has access to various insurance carriers to provide term life and final life plans tailored to every financial situation. Antonio Espino, the agency's independent broker, has been in the insurance industry since 2017. He reviews policies and educates his customers regarding the available programs available on the market. Other insurance products include Medicare, U-65 health, supplemental, and annuities.

License Verified:

License: 2218822

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 (52)

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
4002 Paredes Line Road, Brownsville, TX 78526
  • Life Insurance
  • Health Insurance

Why choose this provider?

Secure Plus Financial is a financial services and tax advisory firm that has been serving clients at Brownsville for more than 13 years. It helps individuals and their families navigate various life insurance options and choose the solution suited for their needs. The firm provides consultation for other types of insurance, including health insurance. It also offers financial and accounting services, such as tax planning and preparation services, payroll, bookkeeping, and cash flow assessment services.

License Verified:

License: 1856792

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 (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
624 North Expressway 77, Brownsville, TX 78521
  • Life Insurance

Why choose this provider?

Brenda Hernandez is an Aflac insurance agent who serves business owners, families, and individuals in the Brownsville metro and the nearby areas. She helps clients acquire life insurance policies to protect their families' future in the event of an untimely demise. In addition, she offers other plans such as hospital, short-term disability, critical illness, cancer, and vision insurance. Aflac has been in the business since 1955, providing financial protection to over 50 million individuals worldwide.

License Verified:

License: 2621051

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.
4.2
Google
4.2 / 5 (5)

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
3505 Boca Chica Blvd, Ste 411, Brownsville, TX 78521
  • Life Insurance

Why choose this provider?

Benavides Insurance has been operating in Brownsville since 1978. It offers term, whole, and universal life insurance policies that help individuals and their families and cover the debts of business owners. Its team of independent agents also carries auto, flood, umbrella, and homeowners' insurance. The agency's managing partner, Derek Benavides, has an extensive background in the insurance and sales industry. With his parents working as State Farm insurance agents, he was introduced to the industry at an early age.

License Verified:

License: 2514643

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 (83)

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
8122 West Expressway 83, Harlingen, TX 78552
  • Life Insurance
  • Health Insurance

Why choose this provider?

Since 2013, Phoenix Insurance Group has been committed to finding the right life insurance coverages for its clients. It also offers other customized insurance plans, including automobile, commercial, health, and homeowners' insurance. Located in Harlingen, Phoenix Insurance Group extends its services to other nearby areas, like Brownsville. The firm was founded by Santiago Saldivar IV, who is currently its COO. Phoenix Insurance Groups also deals with people's insurance needs from its branches in New York, Philadelphia, and Los Angeles.

License Verified:

License: 1871532

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.
4.2
Google
4.0 / 5 (36)
Facebook
4.7 / 5 (14)

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1213 East Alton Gloor Boulevard, Brownsville, TX 78526
  • Life Insurance
  • Health Insurance

Why choose this provider?

Roy Garcia Insurance Agency has been providing insurance and investment services in the Brownsville area since 1995. It offers term and permanent life insurance options, as well as policies for personal properties. The company also has a wide range of health plans that cover medical, hospital, and surgical expenses. Additionally, business and commercial insurance programs are available. It is an independent agency working with dozens of insurance carriers to provide coverage that fits its clients' needs.

License Verified:

License: 842406

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 (2)

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
6710 W Expressway, Harlingen, TX 78552
  • Life Insurance

Why choose this provider?

Rick Viader provides life insurance services to clients in Brownsville. He is the founder and the retirement consultant of Andrik Financial with over 11 years of experience in the insurance industry. He specializes in financial security services to help the loved of clients receive benefits after their deaths. He also offers long-term care, income planning, asset protection, and social security optimization services. Additionally, it has tax minimization services to assist clients in lowering their taxes.

License Verified:

License: 1508529

Texas Department of Insurance

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

Frequently Asked Questions

  • What are the different types of term insurance in Brownsville?

    Brownsville offers several types of term insurance. Annual renewable term insurance, group term life insurance, accelerated underwriting (AU) term life insurance, return of premium term life insurance, and final expense insurance are among the options available to meet a variety of needs. It is important to note that term life insurance does not automatically renew; instead, a renewal process with potential age-related premium increases is required.

  • What are the possible disadvantages of universal life insurance in Brownsville?

    While universal life insurance in Brownsville provides flexibility, there are some drawbacks to consider before purchasing a policy. These disadvantages include a variety of policy fees that can impact affordability, the risk of market-related losses affecting cash value, the possibility of a reduced death benefit over time, and the risk of policy lapsing if premium payments are not consistently maintained. Only enough cash value is available to cover paid premiums.

  • Do you need a life insurance policy in Brownsville?

    In Brownsville, having a life insurance policy is critical for providing financial security and peace of mind to your loved ones. It ensures that your family will receive a lump sum payment in the event of your death, alleviating potential financial burdens. Life insurance pays for a variety of critical expenses, such as funeral costs and outstanding debts like mortgages and credit cards. It replaces your spouse's income, allowing them to continue meeting their financial obligations.

  • What are your different options when buying life insurance in Brownsville?

    In Brownsville, there are diverse life insurance choices to suit your needs. Term life insurance is cost-effective, covering specific periods, perfect for short-term needs like mortgages or final expenses. Whole life insurance offers permanent coverage with level premiums but comes at a higher cost. Universal life insurance offers flexibility in monthly payments, while variable universal life insurance allows premium investment but may involve increased expenses.

  • Are death benefits subjected to a tax deduction in Brownsville?

    Death benefits from life insurance policies are typically not taxed in Brownsville. If the payout is structured to be distributed in installments, the beneficiary may be required to pay taxes on the interest earned on the outstanding balance. If the beneficiary of the policy is the policyholder's estate and the total estate value exceeds the IRS threshold limits, federal and possibly state estate and inheritance taxes may apply.

  • 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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