Expertise.com

2024

Last updated:

Best Life Insurance Companies in Cypress

Our Recommended Top 12

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 Cypress 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.

5450Reviewed

3274Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

12620 Farm to Market 1960 West, Houston, TX 77065
WebsiteLicense: 1457874

Expertise.com Rating

Review Sources

Google
4.0 (28)
Facebook
5.0 (24)

Why choose this provider?

Bowser Insurance Services is an agency that has been serving the Cypress community since 2015. It offers individual life insurance coverage to help individuals protect their families. Health, Medishare, telehealth, and dental and vision insurance plans are also available. The company's process when helping its clients involves discovery, decision-making, implementation, and recap and service. The agency's owner, Wendy Bowser, is an insurance industry veteran who gives back to the community by volunteering at the St. Aidan's Episcopal Church.

  • Life Insurance
  • Health Insurance

17302 House Hahl Road, Cypress, TX 77433
WebsiteLicense: 2306597

Expertise.com Rating

Review Sources

Google
5.0 (25)
Facebook
5.0 (13)

Why choose this provider?

Texas Dawn Insurance Agency is an independently owned and locally operated company serving individuals and businesses in Cypress for over 25 years. It provides a variety of insurance products such as auto, home, business, and life insurance policies. The agency represents multiple insurance providers, including Mercury Insurance, Progressive, Safeco Insurance, and Bankers Insurance Group. It is licensed to sell insurance in Texas and Louisiana. Additionally, it is a member of the Insurance Agency Owners Alliance.

  • Life Insurance

15915 Katy Freeway, Houston, TX 77094
WebsiteLicense: 2485237

Expertise.com Rating

Review Sources

Google
4.6 (17)
Facebook
4.3 (12)

Why choose this provider?

Kathye Carpenter Agency, LLC is an independent insurance provider that serves Cypress and its nearby areas. It provides life, home, auto, and umbrella insurances. Its life insurance options are categorized into three types, namely term, whole, universal. The agency decides what type is most appropriate for clients depending on their age, capacity, and situation. Its team has over 70 years of combined experience in handling insurance matters. Kathye Carpenter Agency has over 25 years of experience in the industry.

  • Life Insurance

14007 Telge Road, Cypress, TX 77429
WebsiteLicense: 1322324

Expertise.com Rating

Review Sources

Google
5.0 (74)
Facebook
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

Cypress-based Oncken Insurance Agency is an independent insurance brokerage that serves families, individuals, and businesses. It offers a range of risk management solutions, including umbrella and life insurance as well as policies for homeowners and vehicles. Additionally, it provides extensive coverage for commercial and business owners. Oncken works with different insurance carriers to give its clients a variety of options that meet their needs. Clients can set up an appointment with the brokerage's insurance professionals for quotations and policy consultations.

  • Life Insurance

8118 Fry Road, Cypress, TX 77433
WebsiteLicense: 1727616

Expertise.com Rating

Review Sources

Google
4.0 (28)
Facebook
4.0 (7)

Why choose this provider?

Marco Cervantes is a State Farm insurance agent serving clients in Cypress and nearby areas. He offers life insurance plans with coverage options for universal, term, and whole life. He also provides health policies and insurance products for businesses, properties, homes, and pets. Policies for automobiles and boats are also available. Marco can assist clients who speak Spanish. He has been with State Farm for nearly a decade. He is also a member of the National Association of Insurance & Financial Advisors.

  • Life Insurance
  • Health Insurance

13100 Wortham Center Drive, Houston, TX 77065
WebsiteLicense: 1808108

Expertise.com Rating

Review Sources

Facebook
4.0 (7)
Google
5.0 (5)

Why choose this provider?

Steve Campbell Insurance Agency, Inc., is an insurance company that serves clients in the Cypress area. It provides a wide array of life insurance policies to help protect individuals from unexpected occurrences in the future. Its agents also strive to give the necessary information needed in purchasing its available plans. The company's life protection packages include whole and permanent and term life. It also offers coverages for automobiles and properties. Steve Campbell Insurance Agency has been in the industry since 1992.

  • Life Insurance

17121 West Road, Houston, TX 77095
WebsiteLicense: 1582562

Expertise.com Rating

Review Sources

Facebook
4.0 (44)
Google
4.0 (35)

Why choose this provider?

Jerrad D. Ragsdell is a State Farm insurance agent since 2009 who provides life insurance plans to individuals in Cypress and its surrounding areas. He offers different life insurance options such as term, whole, and universal life insurance. He also handles other products, such as property, home, health, auto, and pet insurance plans. In addition, he manages mutual funds, banking, and annuities. Ragsdell earned a Master of Business Administration and his office assists clients who speak English and Spanish.

  • Life Insurance
  • Health Insurance

5120 Woodway Drive, Houston, TX 77056
WebsiteLicense: 1920110

Expertise.com Rating

Review Sources

Google
5.0 (9)
Facebook
5.0 (3)

Why choose this provider?

The Gibraltar Group is an insurance agency that has been providing insurance protection for families in Cypress and surrounding areas for about two decades. It comprises insurance agents who have a cumulative experience of over 100 years. They offer a life insurance product that gives financial security if the policyholder passes away or can be used as business collateral or preparation for retirement. Additional products are indexed universal life, annuity, whole life, and mortgage protection.

  • Life Insurance

16724 Telge Road, Cypress, TX 77429

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
5.0 (3)

Why choose this provider?

Burg Insurance Group of Texas is an independent insurance brokerage that assists individuals, families, and businesses in Cypress. It offers a range of insurance solutions, such as life insurance and coverage policies for rental homes, automobiles, floods, and windstorms. Additionally, it provides business policies, such as builders' risk, property coverage, and workers' compensation. The brokerage works with different insurance providers, and its team of insurance professionals aims to help clients find the insurance programs that meet their needs.

  • Life Insurance

9405 Huffmeister Road, Houston, TX 77095
WebsiteLicense: 753517

Expertise.com Rating

Review Sources

Google
4.0 (15)
Facebook
5.0 (1)

Why choose this provider?

Ken W. Taylor Insurance Agency has been serving Cypress and surrounding areas for over a quarter-century. It assists clients with the process of buying life insurance. In addition, the agency addresses other individual and business needs with personal and commercial insurance services. Its products include homeowners, commercial auto, commercial property, workers' compensation, and general liability insurance options. Lastly, Ken W. Taylor Insurance Agency is a three-time recipient of the Toppers Club Award and Leadership Award.

  • Life Insurance

11607 Spring Cypress Road, Tomball, TX 77377
WebsiteLicense: 985036

Expertise.com Rating

Review Sources

Google
3.0 (28)
Facebook
5.0 (4)

Why choose this provider?

Charles Osburn Insurance Agency has been offering life coverage options to the residents of Cypress and the rest of Texas for more than 20 years. The company offers term life insurance and permanent life insurance that can be availed as individuals or groups. Its team educates its clients and aids them in choosing the policy that is suitable for them and their families. Charles Osburn Insurance Agency also provides auto, home, flood, health, disability, and commercial insurance.

  • Life Insurance

13823 Schmidt Street, Cypress, TX 77429
WebsiteLicense: 4492

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Southern American Insurance Agency provides services to small and large commercial clients in the Cypress metro and nearby communities. It is an independent agency that accommodates clients who need assistance in purchasing personalized life insurance policies. Additionally, the company offers other plans such as umbrella, professional liability, equipment floater, inland marine, and workers' compensation insurance. It also deals with commercial and contract bond services, including financial planning and annual account review. Southern American Insurance Agency has been in business since 1983.

  • Life Insurance
  • Health Insurance

FAQs

  • Can you name more than one beneficiary on your life insurance policy in Cypress?

    Yes, you are allowed to name multiple beneficiaries on your life insurance policy in Cypress. You may do so either through the per capita approach or the per stirpes approach. The first one divides the benefit only among all living and designated beneficiaries. The second approach, on the other hand, still issues a share in honor of a deceased beneficiary, which would then be divided equally among their descendants.

  • What factors can affect the cost of life insurance in Cypress?

    Your age, health, and risk factors all affect how much life insurance in Cypress will cost you. Younger folks often pay less for life insurance. Also, if you smoke, have health issues, or engage in dangerous activities like skydiving or rock climbing, an insurance company may charge you more. Additionally, the level of coverage and policy features you select will affect your premium.

  • How long do insurance firms in Cypress have to pay out death benefits to the designated beneficiaries?

    Following receipt of the death certificate and confirmation of your beneficiary, Cypress businesses are required to pay the death benefit within two months. In the case of an individual life insurance policy, the insurer is also required to pay interest on the death benefit from the moment it has received notification of the death until the moment it has decided to pay it.

  • What would happen if your Cypress life insurance premiums were not paid?

    In Cypress, if you stop making your life insurance payments, your coverage will usually expire or it may continue but with fewer inclusions. The specific privileges offered under your insurance in cases of non-payment are described in your policy's provisions. A grace period before the coverage expires may also be included in some life insurance plans.

  • Do Cypress life insurance policies allow plan owners to borrow money from them?

    Yes, you might be able to borrow money from the cash value, or savings portion, of your Cypress permanent life insurance policy. This is referred to as a policy loan. The amount of the death benefit available to beneficiaries on a policy with outstanding loans will frequently be reduced due to interest charges.

  • 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.

Related Articles

FeaturedKeyboard with Node Graphic

Young Americans Rushed to Buy Life Insurance During the Pandemic & Now Over 20% Regret It

An Expertise.com survey revealed how many young Americans rushed to buy life insurance during the pandemic & are now regretti...

Featured6 Best Life Insurance Companies of 2023 Hero Image

6 Best Life Insurance Companies of 2023

Our top pick for the best life insurance company of 2023 is MassMutual, which features a wide variety of policies and riders ...