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Best Life Insurance Companies in Edinburg

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2023
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Carina Ramos Insurance & Associate logo
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License Verified:

License: 2188038

Texas Department of Insurance

Carina Ramos Insurance & Associate

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3109 S Alamo Rd # 2, Edinburg, TX 78542
  • Life Insurance

Business Description

Carina Ramos Insurance & Associate is an insurance agency that serves individuals and families from Edinburg and the rest of South Texas. It offers various types of life insurance, including term life insurance, whole life insurance, and universal life insurance. In addition, it provides other types of insurance such as home insurance, vehicle insurance, and commercial insurance. Carina Ramos Insurance & Associate works with more than 26 insurance companies and has arranged insurance plans for over 400 families.

License Verified:

License: 2188038

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 (17)
Facebook
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
Cesar Tamez logo
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License Verified:

License: 1287834

Texas Department of Insurance

Cesar Tamez

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2117 E University Dr, Edinburg, TX 78542
  • Life Insurance
  • Health Insurance

Business Description

Cesar Tamez is an insurance agent from StateFarm that serves Edinburg and the surrounding areas. He offers life insurance solutions such as term life, whole life, and universal life insurance. Cesar also offers health insurance products, including supplemental health, individual Medical, and Medicare Supplement policies. Additionally, he also offers home and property, auto, and business insurance. Commercial clients can also get surety and fidelity bonds, as well as liability umbrella policies that give additional coverage beyond what traditional insurance policies provide.

License Verified:

License: 1287834

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 (10)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Juan Cazares logo
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License Verified:

License: 734810

Texas Department of Insurance

Juan Cazares

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1408 South Closner Boulevard, Edinburg, TX 78539
  • Life Insurance

Business Description

Juan Cazares is a State Farm agent who has been serving Edinburg and the surrounding areas since 1982. He offers life insurance policies and other insurance products to individuals and businesses. He assists clients in choosing from among whole life, term life, and universal life the appropriate life insurance that fits their needs. In addition, he handles coverage for auto, property, business, and health. Juan is a member of the Edinburg Chamber Of Commerce and a recipient of the Legion of Honor Bronze Tablet Qualifier.

License Verified:

License: 734810

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.
4.8
Google
4.0 / 5 (94)
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
Reyna and Associates Insurance Agency LLC logo
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License Verified:

License: 2221487

Texas Department of Insurance

Reyna and Associates Insurance Agency LLC

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5401 North 10th Street, McAllen, TX 78504
  • Life Insurance
  • Health Insurance

Business Description

Reyna and Associates Insurance Agency LLC is an independent business that caters to clients in Edinburg and the surrounding communities. It offers term life, whole life, and universal life insurance policies. Under its personal insurance line, it provides health, pet, home, boat, watercraft, and motorcycle insurance coverage. Commercial property, general liability, builders' risk, E&O, professional liability, and workers' compensation insurance options are also available. The agency's owner, Ralph Reyna, has been in the insurance industry for seven years.

License Verified:

License: 2221487

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
Facebook
4.0 / 5 (16)
Google
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
Shepard Insurance Agency logo
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License Verified:

License: 834465

Texas Department of Insurance

Shepard Insurance Agency

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5801 North 10th Street, McAllen, TX 78502
  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Group Plans
  • Term Life Insurance

Business Description

Shepard Insurance Agency serves clients in McAllen and its surrounding cities, including Edinburg. Its wide selection of insurance policies includes universal and term life insurance, long-term care insurance, and individual and group health insurance. It also helps businesses create coverage plans for commercial property and automobile, general liability, and workers' compensation. In addition, the agency can also assist clients through the insurance claim process. Shepard Insurance Agency is a member of the McAllen Chamber of Commerce.

License Verified:

License: 834465

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
3.0 / 5 (5)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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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.