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Best Life Insurance Companies in Bryan

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2023
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Callin O’Brien Insurance logo
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License Verified:

License: 2219757

Texas Department of Insurance

Callin O’Brien Insurance

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1308 Norfolk Court, College Station, TX 77845
  • Life Insurance
  • Health Insurance

Business Description

Callin O’Brien Insurance helps individuals, families, and businesses in terms of insurance policies in Bryan. The company offers life insurance products that cover death benefits, mortgage payments, and future educational fees. The agency represents several insurance carriers such as The Cincinnati Insurance Company, Gerber Life Insurance, and Legal & General America. Callin O’Brien Insurance can also assist with health insurance, including accident, critical illness, dental, travel, short-term medical, and vision. It also provides Medicare Advantage plans, Medicare Supplemental plans, and Prescription Drug plans.

License Verified:

License: 2219757

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 (8)

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
––
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Dexter & Co logo
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License Verified:

License: 6576

Texas Department of Insurance

Dexter & Co

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4030 Highway 6 S. Ste. 101, College Station, TX 77845
  • Life Insurance
  • Health Insurance

Business Description

Serving clients in Dallas and Bryan, Dexter & Co is an insurance and risk management company founded by George J. Dexter in 1876. Its life insurance program comes in three different policies; term life, universal life, and whole life. In addition, the company provides business insurance and federal student loan subsidy. Dexter & Co aims to provide personalized customer service and custom insurance plans that fit the needs and estimated expenses of individuals, families, businesses, and organizations.

License Verified:

License: 6576

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.
4.9
Google
4.0 / 5 (27)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Julie Sulak logo

License Verified:

License: 297274

Texas Department of Insurance

Julie Sulak

308 North Karnes, Cameron, TX 76520
  • Life Insurance
  • Health Insurance

Business Description

Julie Sulak is an insurance agent at State Farm that has been providing professional assistance to clients in Bryan and its surrounding communities since 1999. She offers various insurance products, including health, property, home, auto, and life. Sulak also helps clients with annuities and banking. Her agency also works with more than 300 professions such as electricians, hair salons, florists, landlords, and photographers. Sulak earned a Bachelor of Business Administration from Texas Christian University.

License Verified:

License: 297274

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
Neil W Endler Insurance Agency logo

License Verified:

License: 692291

Texas Department of Insurance

Neil W Endler Insurance Agency

4103 South Texas Avenue, Bryan, TX 77802
  • Life Insurance

Business Description

Founded in 1984, Neil W Endler Insurance Agency offers term life, universal life, variable universal life, and whole life insurance policies to clients in Bryan and the nearby communities. It also customizes home, boat, classic car, recreational vehicle, and renters' insurance solutions. Umbrella liability insurance options, which cover accidents, lawsuits, and bodily injuries, are also available. In addition, the agency provides financial products such as annuities and individual retirement accounts, as well as workplace retirement, employee benefit, and college savings plans.

License Verified:

License: 692291

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 (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
Program Insurance Group logo

License Verified:

License: 95558

Texas Department of Insurance

Program Insurance Group

1716 Briarcrest Drive, Bryan, TX 77802
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Founded in 2013, Program Insurance Group is an independent insurance agency serving in Bryan and the surrounding areas. It provides personal insurance policies, such as auto insurance, life insurance, renters' insurance, and homeowners' insurance. Additionally, it provides insurance policies for businesses, franchises, workers, and homebuilders. Program Insurance Group helps clients by assessing their needs, offering them a variety of insurance products, and presenting them appropriate coverages at fair rates to protect their life, family, and business.

License Verified:

License: 95558

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 (12)
Google
5.0 / 5 (9)
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

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.