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Best Life Insurance Companies in Texas

2023

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Website
12770 Coit Road Suite 110, Texas, TX 75251
  • Whole Life Insurance

Why choose this provider?

Thumann Agency, Inc. is a life insurance company that has been serving individuals and businesses in Texas for 22 years. It offers permanent and universal life insurance options to help clients secure their finances. The company's financial advisors help tailor its packages to each of its client's needs and help them make informed choices regarding motorcycle, homeowners, condo, flood, renters, and pet insurance. It also works with businesses to help them with their property, liability, and casualty 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.
4.7
Google
4.6 / 5 (77)
Facebook
4.8 / 5 (50)
Yelp
5.0 / 5 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1511 W Walker St., Texas, TX 76424
  • Term Life Insurance
  • Whole Life Insurance

Why choose this provider?

Headquartered in Texas, Herring Insurance Agency provides a wide variety of coverage for individuals and families across the state. Among its primary products are life insurance plans that are customizable to fit various preferences. Two primary policies are available, which are term and whole life. Other services include home and auto, farm and ranch, and liability coverage. The company also offers home-based business and data breach protection. Herring Insurance Agency was founded in 1977 as a branch of Germania 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
4.7 / 5 (7)
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

Website
13215 Bee Cave Pkwy, Ste. A120, Texas, TX 78738
  • Life Insurance

Why choose this provider?

Texas Republic Life Solutions has been catering to clients throughout the metro since 2017. It offers life insurance plans that provide financial security to its clients' beneficiaries when the policyholder passes on. Its products include term, universal, and whole life insurance options. Other services are social security maximization, annuity review, estate planning, and certificate of deposit rollover. The local company addresses the needs of business owners through its buy-sell agreement and key man insurance packages.

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1907 25th Street, Texas, TX 79549
  • Life Insurance

Why choose this provider?

Tindol Insurance Agency addresses the needs of individuals and businesses in Texas. It works with several insurance carriers to provide a life insurance product that meets the client's needs. It offers individual life, final expense, fixed annuity, and mortgage protection insurance policies. The agency provides insurance coverage for automobiles, homes, motorcycles, boats, and rented houses. Its business insurance products include business interruption, general liability, commercial property, commercial earthquake, and cyber liability coverage.

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 (74)
Facebook
5.0 / 5 (16)

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

Website
2289 Northwest Loop, Texas, TX 76401
  • Life Insurance

Why choose this provider?

Texas Legacy Insurance Group of Stephenville is an independent insurance agency and broker that serves individuals, families, and companies all over the state. It offers life insurance policies with coverage for 10, 20, or 30 years. The agency also provides whole and universal life, as well as final expense products. It utilizes its access to more than 250 carriers, including AIG, MetLife, and Principal, to provide more options to clients. The agency is a member of IIABA and NAPA.

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
4.9 / 5 (85)
Google
5.0 / 5 (34)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1018 N. 5th Street, Texas, TX 79601
  • Health Insurance
  • Life Insurance

Why choose this provider?

Josh Ensor Agency is an insurance provider catering to individuals, families, and business owners in Texas. It helps clients obtain life insurance plans to secure their and their family's financial future. Additionally, the agency assists employers in procuring group health and life insurance programs. Its agents search major carriers for plans that meet each client's needs and goals. Owner Josh Ensor began serving clients in the industry in 1988 and has a degree in business.

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 (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

Website
Texas, TX
  • Health Insurance
  • Life Insurance

Why choose this provider?

Fort Worth Insurance Agency serves individuals, families, and businesses across the state of Texas. The independently owned and locally operated agency offers a wide selection of life insurance policies, representing reputable and known insurance carriers to help clients determine the best fit for their current situation. Its agents often assist clients with term life, universal life, and whole life insurance plans. The agency also offers a variety of coverage options for car, home, business, renters, and boat 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
4.4 / 5 (10)
Yelp
3.0 / 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.
3.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
100 West Dale Street P.O. Box 489, Texas, TX 79567

Why choose this provider?

GPS Insurance Agency is a Texas-based provider of life and health policies for individuals and groups. Life insurance plans can be a protection for specific years, an investment with flexible payment frequency and coverage, or a permanent solution from the issue date. Related insurance products are for Medicare, family health, disability, final expense, and travel health. The company's president and VP of sales and operations, Craig and Kelly Gehrels, have a combined industry experience of over 45 years.

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
4.9 / 5 (19)
Google
4.8 / 5 (4)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
240 NW Newton Drive, Texas, TX 76028
  • Term Life Insurance
  • Life Insurance

Why choose this provider?

Lone Star Insurance Agency is a locally owned and operated independent brokerage serving Texas. It offers life insurance policies, which provide death benefits that fund different expenses, including funeral costs, college education, and debt settlement. Clients have the option to pay for life insurance for a fixed or indefinite period of time. Some of the carriers the agency represents include Encompass, Kemper, Progressive, and Allstate. It has more than a decade of experience in providing risk management solutions.

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
4.9 / 5 (182)
Facebook
4.6 / 5 (40)
Yelp
4.0 / 5 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
PO Box 341899, Texas, TX 78734
  • Life Insurance

Why choose this provider?

Texas Service Life is an independent insurance agency serving customers throughout the state. The agency offers whole-life insurance policies with level premium payments that remain the same throughout the life of the policy, providing considerable financial assistance for the families upon the policyholder's untimely death. Additionally, pre-arranged funeral arrangements are available to suit the requirements of families and individuals by securing plans and making end-of-life decisions. The agency currently serves over 100,000 policyholders and also offers its services in Spanish.

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.
4.3
Google
4.3 / 5 (21)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
806 N Hwy 67, Texas, TX 75104
  • Life Insurance

Why choose this provider?

Texas P&C Insurance Agencies, Inc., has been serving the state since 1997. One of its products is life insurance, with options that include term, universal, and whole life plans. Other personal insurance coverages available are for homes, automobiles, boats, motorcycles, and renter or landlord protection. It also meets the insurance needs of business owners, offering policies that cover general liability, business property, and errors and omissions. The independently owned and locally operated agency is managed by a team of women and a veteran.

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.
4.3
Google
3.8 / 5 (13)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6001 Bridge Street, Texas, TX 76112
  • Term Life Insurance
  • Whole Life Insurance
  • Life Insurance

Why choose this provider?

National Farm Life serves individuals in and around Texas. It offers a variety of life insurance products, including final expense and whole and term life insurance plans. It also provides combined term and whole life insurance policies for clients looking to obtain extra coverage for themselves and their families. This agency is a member of multiple organizations, such as the American Council of Life Insurers, Life Insurers Council, National Association of Insurance and Financial Advisors, and Texas Association of Life and Health Insurers.

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
4.5 / 5 (30)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2911 College Ave Ste 103, Texas, TX 79549
  • Market Place

Why choose this provider?

Blake Toland is an insurance agent who caters to Texas residents' risk protection needs. He delivers a selection of insurance products and solutions, including life plans, to help protect the financial future of the policyholder's loved ones. In addition, the agent offers home, renters, condo, pet, umbrella, and business insurance. The product also covers vehicles, such as cars, motorcycles, boats, ATVs, RVs, and travel trailers. Toland has been with Farmers Insurance for over three years.

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.
4.1
Google
4.1 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
119 South Patrick Street, Texas, TX 76446
  • Health Insurance
  • Life Insurance

Why choose this provider?

Dublin Insurance Agency is an independent company founded in 1964 that caters to the residents of Texas. Its team of agents guides individuals through the process of securing life insurance plans for themselves and their families. They also craft homeowners' and personal property insurance for a range of residential properties and vehicle types. The agency strives to cultivate customer relationships through transparent communication. Since its establishment, Dublin Insurance Agency has served more than 15,000 clients in the area.

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 (41)

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

Website
3001 Bryant Irvin Rd N, Texas, TX 76107
  • Market Place

Why choose this provider?

Cordell & Company Insurance Agency serves Texas businesses. It offers group life insurance for company employees, and union and pension fund members. The independent agency custom designs each program and has access to insurance carriers across the country. Workers' compensation and umbrella insurance are also available. It has been operating since 1964. To provide agents who are able to keep up with changes in state laws and the client's operations, a considerable portion of its profits is dedicated to continuing education.

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.
4.7
Facebook
5.0 / 5 (11)
Google
1.0 / 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
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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.

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