Expertise.com

2024

Last updated:

Best Life Insurance Companies in Houston

Our Recommended Top 18

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 Houston 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.

99313Reviewed

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18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

10998 South Wilcrest Drive, Houston, TX 77099
WebsiteLicense: 1332424

Expertise.com Rating

Review Sources

Facebook
4.0 (121)
Google
4.0 (97)

Why choose this provider?

Trusted Senior Specialists is a life insurance company serving clients in the Houston area. Its team of insurance professionals helps clients apply for various life insurance options, including Medicare, social security, in addition to dental, hearing, and vision plans. Before the application, they conduct consultation with clients to identify the insurance that fits their situation. Founders Melinda and Michael Wilhelm, along with their team, assist clients in various languages, including English, Hindi, Español, Tagalog, and Vietnamese.

  • Health Insurance

800 Wilcrest Drive, Houston, TX 77042
WebsiteLicense: 7542204

Expertise.com Rating

Review Sources

Google
4.0 (39)
Facebook
5.0 (7)

Why choose this provider?

Hartgrove Insurance is a multi-line insurance company that serves the diverse insurance needs of the Houston community. The firm assists individuals and families in securing adequate financial protection for their loved ones in the form of a life insurance policy. Its independent insurance agents provide basic life insurance options, namely term life and permanent life insurance. The group represents multiple carriers and guides clients in choosing the right policy to meet their needs. Owner Shannon Hartgrove has been working in the insurance industry since 2003.

  • Life Insurance
  • Term Life Insurance
  • Permanent Life Insurance Policy

12111 Spring Cypress Road, Tomball, TX 77377
WebsiteLicense: 2302395

Expertise.com Rating

Review Sources

Facebook
5.0 (26)
Google
4.0 (9)
Yelp
5.0 (2)

Why choose this provider?

Great Southern Agency is a local and family-owned insurance agency serving clients in Houston, Cypress, Tomball, Richmond, and the surrounding areas. It offers life, auto, condo, homeowners, umbrella, and commercial insurance products. It has access to 23 life insurance providers in the country, including Prudential, Genworth, AIG, and MetLife. The company helps its customers replace their current policies with better coverages that fit their needs. Great Southern Agency has been in business for more than 32 years.

  • Life Insurance

2600 S Loop West Suite 475H, Houston, TX 77054
WebsiteLicense: 2360526

Expertise.com Rating

Review Sources

Google
5.0 (27)
Facebook
5.0 (9)

Why choose this provider?

Started in 2012, Lifeway Insurance Brokers is an independent insurance agency that offers life insurance to clients in Houston and the surrounding areas. The company covers term, whole, universal, and variable universal life insurance policies. In addition to life insurance, it provides various health insurance services that include final expense, dental, vision, disability, critical illness, and long-term care insurance. The firm also specializes in home, renters', auto, and boat insurance, as well as workers' compensation and financial planning.

  • Life Insurance

16225 Park Ten Place, Houston, TX 77084
WebsiteLicense: 794914

Expertise.com Rating

Review Sources

Google
4.4 (5)

Why choose this provider?

Dan Madeley Insurance & Financial Services is an independently owned and operated insurance agency that caters to clients in Houston. The agency offers different types of insurance plans, including universal and group life policies. It also provides term life insurance, which is available in varying time periods, usually 10, 20, or 30-year intervals. Additionally, the business provides health insurance, annuities, and coverage for properties. The agency has been in the industry for more than 27 years.

  • Life Insurance
  • Group Plans
  • Term Life Insurance

12946 Dairy Ashford Rd Ste 430, Sugar Land, TX 77478

Expertise.com Rating

Why choose this provider?

Texas Family Benefits provides assistance with healthcare and life insurance policies to individuals and families. It has extensive experience with the Medicare system and can assist clients in procuring coverage through this avenue, but it also maintains relationships with a multitude of private carriers. Texas Family Benefits serves employers too and provides hands-on consultation services as they procure health insurance coverage for their employees. This company also assists clients shopping for life insurance policies through one of several partnered carriers.

5555 West Loop S Ste 500, Bellaire, TX 77401

Expertise.com Rating

Why choose this provider?

M.D. Financial Services performs life insurance advisory services for clients with dependents. This company uses its financial planning and investment experience to steer clients toward life insurance plans that protect their assets and secure the financial futures of their dependents in case they die. In addition to its expertise in death benefits, M.D. Financial Services also offers disability insurance services, helping clients protect themselves should they lose independence in personal or job-related scenarios.

5450 NW Central Dr Ste 120, Houston, TX 77092

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Abraham and Associates is a life insurance agency in Houston. Active since 1999, this company has a significant amount of experience with insurance consultation and regularly helps individuals find insurance plans that protect whatever their assets and interests are. Abraham and Associates offers both term and whole life insurance policies. In addition to its life insurance expertise, this company also provides assistance with group health plans for employees to businesses of various sizes.

2740 FM 359 Rd, Richmond, TX 77406

Expertise.com Rating

Review Sources

Google
4.7 (683)
Facebook
4.8 (60)
Yelp
3.5 (7)

Why choose this provider?

Rockland Insurance is an independent agency representing several prominent carriers in Texas, and it provides life and health insurance services to individuals and families. Clients receive guidance on policies as they search for coverage they can afford, that yields the benefits they need most. Rockland Insurance is experienced with several types of health insurance coverage and provides versatile services so that clients can procure whichever type they want, whether it be a consumer-directed, fee-for-service, or managed care agreement.

920 Memorial City Way, Houston, TX 77024
WebsiteLicense: 1777226

Expertise.com Rating

Review Sources

Google
4.0 (48)
Yelp
3.0 (4)

Why choose this provider?

Oak Harvest Financial Group is an independent insurance agency that provides insurance services to residents of Houston and the surrounding communities. It provides personal insurance services like life insurance, legacy planning, trusts, umbrella insurance, and asset protection planning. Additionally, it provides long-term care planning, charitable planning, advanced tax strategies, and income tax reduction. Troy Sharpe founded Oak Harvest Financial Group and serves as its CEO. Jessica Cannella is its co-founder and serves as the president.

  • Life Insurance

3311 Richmond Ave, Houston, TX 77098
WebsiteLicense: 1479763

Expertise.com Rating

Review Sources

Google
4.8 (80)
Facebook
4.8 (80)
Yelp
4.8 (10)

Why choose this provider?

Rafail Insurance Agency is a family-owned business that has been serving individuals, families, and companies from Houston and the surrounding areas for more than a decade. It provides a wide range of life insurance plans, including term life, whole life, universal life, group life, and keyman life insurance. The company also offers health, disability, and umbrella insurance. Its president Mark Rafail has been featured in Total Prestige Magazine for his knowledge of the industry. Rafail Insurance Agency has served more than 1,400 clients.

  • Life Insurance
  • Group Plans
  • Term Life Insurance

6776 South West Freeway, Suite #178, Houston, TX 77074
WebsiteLicense: 2376736

Expertise.com Rating

Review Sources

Google
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

Health Life 360 LLC offers risk management solutions to residents in and around Houston. It crafts various types of life insurance plans, including the variable life option, which enables policyholders to invest in bonds, stocks, and money market funds. Permanent, term, and whole life insurance policies are also provided. In addition, its team writes Medicare Part A insurance, which helps pay for home health, hospice, inpatient, and skilled nursing facility care. Health Life 360 has over 25 years of industry experience.

  • Health Insurance
  • Life Insurance

8323 Southwest Fwy Ste 385, Houston, TX 77074

Expertise.com Rating

Review Sources

Facebook
4.8 (33)
Yelp
5.0 (22)
Google
2.0 (1)

Why choose this provider?

Jason Jimenez Insurance Agency Inc. is active in the Houston metro area and acts as an independent agency, connecting personal and business clients with life and health insurance packages. It helps clients to find and select individual health and PPO plans provided by a range of carriers that can also support coverage for dental, vision, and prescription needs. Jason Jimenez Insurance Agency Inc. guides clients closely throughout the entire process so ensure that they select the policies that most benefits their circumstances.

6671 Southwest Fwy Ste A50, Houston, TX 77074

Expertise.com Rating

Review Sources

Google
4.5 (17)
Facebook
5.0 (12)

Why choose this provider?

AAIGOT Insurance Agency Inc. is a life insurance company in Houston doing business with companies seeking employee protections. This independent agency structures policies that pay for medical attention in both mild and egregious injury scenarios, helping clients to ensure that their businesses are financially protected from significant loss and that employees can get the medical care they need without unpredictable costs. AAIGOT Insurance Agency Inc. also provides workers' compensation policies and offers coverage for automobile-related accidents.

14615 S Main St., Houston, TX 77085
WebsiteLicense: 884637

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (3)

Why choose this provider?

Founded in 1993, All Kinds of Insurance is an independent agency serving families and individuals in the Houston metro and the surrounding communities. It helps clients acquire various personal lines of insurance, including life policies. The company offers term life and permanent coverage that covers policyholders' monthly bills and burial expenses. Its agents also provide other personal and business plans, including homeowners', umbrella, cyber liability, and builders' risk insurance. Lucien Gomez, the company's principal agent, brings over 35 years of industry experience.

  • Life Insurance

6666 Harwin Drive, Suite 555, Houston, TX 77036
WebsiteLicense: 2132042

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Best Life Insurance Houston is a business that serves individuals, families, and businesses in the metro. Its agents help clients secure life insurance coverages while providing options such as index universal, term, and whole life insurance plans. They also assist people with critical illnesses to get coverage through products under special considerations. These policies cover children with special needs, HIV patients, and smokers. Best Life Insurance Houston also guides clients in navigating various annuity and retirement programs, educating them to fully understand each plan.

  • Life Insurance

14905 Southwest Freeway, Sugar Land, TX 77478
WebsiteLicense: 1647276

Expertise.com Rating

Review Sources

Google
5.0 (37)
Facebook
5.0 (18)
Yelp
5.0 (9)

Why choose this provider?

Hoffman Insurance Group is a team of independent agents who serves the Houston area. Included in its product range is life insurance, which provides continuous income and covers expenses in the event of the policyholder's death. The risk management professionals have access to policies from providers such as Progressive and MetLife. They offer other products, including travel, auto, home, and business auto insurance. Hoffman Insurance Group, which has been in operation since 1972, is part of the Independent Insurance Agents of Texas.

  • Life Insurance
  • Health Insurance

8403 Westglen Drive, Suite A1321, Houston, TX 77063
WebsiteLicense: 1241718

Expertise.com Rating

Why choose this provider?

Allied Insurance & Financial Services is a local agency that has been operating in Houston since 1992. It assists individuals and families in securing their futures through life insurance policies. Its team helps find the coverage that fits clients' needs and preferences by comparing and evaluating the solutions offered by different insurance carriers, such as AmFed, CNA Surety, and Frank Winston Crum Insurance. The business also provides commercial lines of insurance for small businesses.

  • Life Insurance

FAQs

  • What are the key living benefits offered by permanent life insurance policies in Houston?

    Houston policyholders who opt for permanent life insurance policies can enjoy benefits during their lifetime, including cash value growth. This accumulated cash value can be utilized by the policyholder for various purposes, such as settling debts, augmenting their retirement income, or covering unexpected emergency expenses. These benefits not only enhance financial security but also provide policyholders with increased financial flexibility throughout their lifetime.

  • How can Houston residents determine the appropriate level of life insurance coverage they need?

    Residents of Houston can gauge their life insurance requirements by evaluating their financial status and defining their financial objectives. The death benefit should ideally range from seven to ten times their annual pre-tax income. It is important to note that families with stay-at-home parents and young children require more than ten times their income to adequately address future expenses.

  • What types of cash-value life insurance policies are available to people in Houston?

    Residents of Houston have access to cash-value life insurance options, including whole-life policies. These policies combine term life coverage with an investment component. Also, a universal life policy offers flexibility in terms and pairs term insurance with an interest-earning money market account. Moreover, variable life policies link the life insurance policy's death benefits to the performance of the associated investment account.

  • How long is the contestable period for new life insurance policies in Houston?

    According to Texas state regulations, newly issued life insurance policies in Houston come with a two-year contestability period. During this timeframe, insurance firms have the opportunity to assess the accuracy of the information supplied by the policyholder since the activation of the policy. If the insured dies during this period, the carrier retains the option to reject the payout. If the policy lapses and is subsequently reinstated, the two-year contestability period resets.

  • What are the child life or spouse life and accidental death and dismemberment coverage options for Houston Independent School District employees?

    Employees of the Houston Independent School District can choose from three coverage options, which include coverage equivalent to one, two, or three times their annual base salary. Additionally, if they opt for supplementary coverage for themselves, they have the opportunity to acquire life insurance and accidental death and dismemberment coverage for their spouses and children.

  • 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.

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