Expertise.com

Best Life Insurance Companies in Brownsville

Laurels
2023
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Life Insurance Companies FAQs

Learn more
FREE

Expertise.com Concierge

Let us do the work for you!

Share your needs with our Concierge team, and they'll book you with our best available top-ranked service providers!

Antonio Espino Insurance logo
Visit WebsiteWebsite

License Verified:

License: 2218822

Texas Department of Insurance

Antonio Espino Insurance

Visit WebsiteWebsite
222 North Expressway 77, Brownsville, TX 78521
  • Health Insurance

Business Description

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
Benavides Insurance logo
Visit WebsiteWebsite

License Verified:

License: 2514643

Texas Department of Insurance

Benavides Insurance

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

Business Description

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 (82)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Brenda Hernandez logo

License Verified:

License: 2621051

Texas Department of Insurance

Brenda Hernandez

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

Business Description

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.
4.0
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
Phoenix Insurance Group logo
Visit WebsiteWebsite

License Verified:

License: 1871532

Texas Department of Insurance

Phoenix Insurance Group

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Rick Viader logo
Visit WebsiteWebsite

License Verified:

License: 1508529

Texas Department of Insurance

Rick Viader

Visit WebsiteWebsite
6710 W Expressway, Harlingen, TX 78552
  • Life Insurance

Business Description

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
Roy Garcia Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 842406

Texas Department of Insurance

Roy Garcia Insurance Agency

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

Business Description

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
Secure Plus Financial logo
Visit WebsiteWebsite

License Verified:

License: 1856792

Texas Department of Insurance

Secure Plus Financial

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

Business Description

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

Frequently Asked Questions

  • 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.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.