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Best Life Insurance Companies in El Paso

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Affordable Health Insurance Agency logo
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Affordable Health Insurance Agency

8814 Alameda Ave, El Paso, TX 79907
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Business Description

Founded in 1995, Affordable Health Insurance Agency in El Paso offers a range of budget-conscious policy options for its customers. Its health insurance offerings include policies for both group and individual customers, and it offers dental and vision coverage as well as senior supplements for Medicare recipients. Life insurance, annuities, final expense insurance, and cremation plans area available. In addition, Affordable Health Insurance Agency offers auto, home, and commercial insurance products.

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)

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
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ArmandoWInsurance logo
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ArmandoWInsurance

125 N Glenwood St Ste N, El Paso, TX 79905
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Business Description

ArmandoWInsurance works with El Paso customers to help them find solutions for life and health insurance. Its life insurance lines include term and whole life policies from top-rated insurance carriers. Health insurance options are available for individuals and families, and the agency helps customers find the right options for Medicare supplement and Medicare Advantage plans. Other options include vision and dental insurance, accident insurance, final expense insurance, and hospital indemnity policies.

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 (11)

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
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Detail
BYGA Healthcare Insurance logo
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BYGA Healthcare Insurance

1200 Golden Key Cir Ste 327, El Paso, TX 79925
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Business Description

BYGA Healthcare Insurance in El Paso is a locally accredited insurance agency that has served the insurance needs of individuals, seniors, and businesses along the borderland for many years. It assists customers in finding the right options for them from the health insurance marketplace, including policies under Obamacare. It specializes in senior health insurance, including products such as Medicare Part D plans, Medicare supplements, and Medicare Advantage plans. The agency also helps with private health insurance plans based on clients' needs.

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

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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Desert West Insurance Agency, Inc. logo
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License Verified:

License: 15867

Texas Department of Insurance

Desert West Insurance Agency, Inc.

7500 Viscount Boulevard, Suite 101, El Paso, TX 79925
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  • Individual Plans
  • Life Insurance

Business Description

Desert West Insurance Agency, Inc., has been serving the personal and business insurance needs of residents of El Paso and the surrounding areas since 1972. It offers term and permanent life insurance policies based on the personal circumstances and financial objectives of clients. The agency also covers other types of insurance products for cars, homes, and motorcycles from several insurance carriers that include Travelers and Progressive. Desert West Insurance is a member of the Trusted Choice Independent Insurance Agents of Texas.

License Verified:

License: 15867

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 (11)
Facebook
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
Desert West Insurance Agency, Inc. logo
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Desert West Insurance Agency, Inc.

7500 Viscount Boulevard, El Paso, TX 79925
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Business Description

Serving El Paso since 1972, Desert West Insurance Agency assists people with their insurance needs. It operates as a property and casualty insurance agency that crafts policies for life and health, homes, cars, and motorcycles. For active individuals, Desert West Insurance Agency has insurance plans for ATVs, jet skis, boats, and road vehicles. It also has a commercial line of insurance for workers, contractors, transportation, commercial liability, restaurants, and retail shops. Its team of agents is committed to handling different policies, whether small or large.

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.
4.5
Google
4.3 / 5 (10)

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
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Detail
Enroll El Paso logo
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Enroll El Paso

714 Montana Ave, El Paso, TX 79902
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Business Description

Enroll El Paso, a life insurance company in El Paso, helps its clients find the right insurance products for their needs. The company works with top-rated insurance companies to help customers zero in on appropriate life insurance policies, including whole life and term insurance. Additionally, Enroll El Paso helps individuals and families navigate the health insurance marketplace to find affordable coverage to meet their needs. Other products offered include dental plans, senior health options, and final expense policies.

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 (94)

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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Flor & Associates Insurance Agency logo
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Flor & Associates Insurance Agency

1005 Yandell Drive, El Paso, TX 79902
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Business Description

Flor & Associates Insurance Agency caters to individual and commercial clients in El Paso. It is an insurance agency that was built by Flor Caballero Lynch, who has been assisting clients in finding the right insurance that fits their needs. Having been in the industry for 27 years, Flor leads her team of agents who specialize in personal, business, transportation, life, and health insurance. Flor & Associates Insurance Agency strives to protect the client's assets by providing personalized care and prioritizing the client's peace of mind.

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
4.9 / 5 (51)
Facebook
5.0 / 5 (27)

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
goinsurancetexas.com logo
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goinsurancetexas.com

3921 Montana Ave, El Paso, TX 79903
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Business Description

GO Insurance is a locally owned and operated life insurance agency in El Paso serving the needs of local clients since 2012. The insurance agency specializes in auto insurance, home insurance, health insurance, business insurance, and employee benefits. Its life insurance policies include individual life insurance, long-term care insurance, and second-to-die policies. The insurance agents and specialists also offer comprehensive health insurance policies which include dental coverage, child health insurance, medical expenses protection. It has partnered with various carriers including Humana, Transamerica, and Connect 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Inicia Insurance Group logo
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Inicia Insurance Group

1017 Montana Ave, El Paso, TX 79902
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Business Description

Inicia Insurance Group is a life insurance agency in El Paso that uses a client-needs-based strategy to help customers find the right coverage from a range of companies. This insurance brokerage strives to tailor insurance policies to the financial needs of its customers. Its portfolio of products includes HMO, PFFS, MSA, and PPO plans and Medicare-related policies from several large insurance carriers. Its personal insurance line includes whole life, term life, universal life, and final expense coverage types.

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 (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
Texas Medical Care Plans logo
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Texas Medical Care Plans

462 N Yarbrough Dr Ste B, El Paso, TX 79915
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Business Description

Texas Medical Care Plans offers El Paso customers help with selecting the right life and health insurance plans for their particular situations. Whole life and term life policies are available, and the agency offers help with choosing final expenses insurance. Its health insurance lines include Obamacare policies on the national marketplace, and it works with seniors and other Medicare recipients to find supplement and Advantage plans to meet their needs.

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

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
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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.

Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

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