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Best Life Insurance Companies in Lubbock

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Alan Henry Insurance logo
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Alan Henry Insurance

3407 19th Street, Lubbock, TX 79410
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Business Description

Alan Henry Insurance has served the Lubbock metro area for over 70 years and provides clients with comprehensive insurance services for their homes, cars, and businesses. Clients have a multitude of coverage options to protect these possessions and can decide from various plans based on how much coverage they require. Alan Henry Insurance also offers coverage for cyber security incidents, such as identity theft, which can place significant costs upon individuals.

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 (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.
4.0
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Beadle Insurance Agency logo
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License Verified:

License: 803736

Texas Department of Insurance

Beadle Insurance Agency

8008 Slide Road Suite 22, Lubbock, TX 79424
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  • Life Insurance

Business Description

Beadle Insurance Agency operates in Lubbock and caters to residents in and around the city. Its agents examine both term and whole life plans from carriers like Foremost, Progressive, and National Lloyds to offer to clients. They educate first-time customers about life coverages for individuals and business owners. The agency provides custom life insurance policies that include inheritance and daily income for beneficiaries. Beadle Insurance Agency was established in 1975. Its other services include homeowners' and automobile insurance. Its staff members provide walk-in and phone call consultations for all queries regarding policies.

License Verified:

License: 803736

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 (36)

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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Detail
Bednarz & Associates Insurance Agency logo
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License Verified:

License: 2190401

Texas Department of Insurance

Bednarz & Associates Insurance Agency

12505 Quaker Avenue, Lubbock, TX 79424
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  • Life Insurance

Business Description

Bednarz & Associates Insurance Agency offers life insurance policies and estate planning services to clients in Lubbock and the surrounding communities. It also crafts insurance programs that cover houses, barns and silos, feedlots, livestock, and ranches, which can be used by the policyholder to rebuild after unavoidable circumstances. In addition, it customizes commercial insurance coverages for other types of businesses, including wineries and trucking companies. Its owner, Darrell Bednarz, has been in the insurance industry since 1988.

License Verified:

License: 2190401

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 (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
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Bednarz Insurance Agency, Inc. logo
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License Verified:

License: 7653

Texas Department of Insurance

Bednarz Insurance Agency, Inc.

5717 66th Street, Lubbock, TX 79424
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  • Life Insurance

Business Description

Bednarz Insurance Agency, Inc., is an insurance firm located in Lubbock. It offers products like homeowners insurance, life insurance, auto insurance, and farm insurance. Some of the partner carriers of Bednarz Insurance Agency include Germania Insurance, Progressive, Foremost Insurance Group, National Lloyds, RHP, and Trusted Choice. The company is comprised of five independent agents who aim to provide clients products that match their needs. Russell Bednarz leads the team. Russell was a Senior State adjuster before becoming a company agent in 2000.

License Verified:

License: 7653

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 (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
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Detail
Chris Prather - State Farm Insurance Agent logo
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Chris Prather - State Farm Insurance Agent

3302 64th Street, Lubbock, TX 79413
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Business Description

Chris Prather, State Farm Insurance Agent, sells health insurance policies to clients in the Lubbock metro area. This agency can help clients to purchase plans through State Farm and procure coverage that allows them to receive treatment at various medical facilities and address new and pre-existing conditions. It also sells life insurance policies that cover final expenses and related needs of the deceased. Home insurance, auto insurance, and business insurance policies are available as well.

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
4.9 / 5 (50)

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
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Detail
Christie Brown-Hernandez - State Farm Insurance Agent logo
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Christie Brown-Hernandez - State Farm Insurance Agent

3300 82nd Street, Lubbock, TX 79423
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Business Description

Christie Brown-Hernandez is a State Farm insurance agent serving clients in Lubbock. She offers various insurance products including car, home and property, small business, life and health, disability and liability, and pet medical insurance. She assists clients in managing daily risks and recovering losses from unexpected events. She provides a mobile application that facilitates clients' banking transactions and the management of insurance accounts, including filed insurance claims. Brown-Hernandez also offers coverage for emergency roadside assistance.

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 (42)

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
Dahlmar logo
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License Verified:

License: 1573073

Texas Department of Insurance

Dahlmar

7412 82nd Street, Lubbock, TX 79424
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  • Life Insurance
  • Health Insurance

Business Description

DahlMar has been providing insurance services for clients in Lubbock since 2009. It offers a range of insurance options, including term, universal, and whole life insurance as well as disability and accident insurance. It also provides health and business insurance. Additionally, DahlMar is an investment firm, which aims to help clients reach their long-term financial goals. The company is led by Dahlia Hood, who has been in the insurance industry since 2005, and Mark Hood, who has 15 years of experience in real estate.

License Verified:

License: 1573073

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
Facebook
5.0 / 5 (3)

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
––
Dick Phillips - State Farm Insurance Agent logo
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Dick Phillips - State Farm Insurance Agent

5740 82nd Street, Lubbock, TX 79424
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Business Description

Dick Phillips is a State Farm Insurance Agent who operates out of Lubbock. Phillips deal with insurance products such as auto, home, property, business, life, and health insurance programs, as well as mutual funds and annuities. Phillips has been a State Farm agent since 1977. He is a member of the National Association of Insurance & Financial Advisors. He is also a qualifier for the President's Club and the Chairman's Circle.

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.
4.6
Google
4.5 / 5 (13)

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
––
Grimes Insurance Agency logo
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License Verified:

License: 1113

Texas Department of Insurance

Grimes Insurance Agency

1651 Broadway Street, Lubbock, TX 79401
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  • Life Insurance

Business Description

Grimes Insurance Agency provides health insurance packages to clients in the Lubbock metro. The company offers three kinds of life insurance policies including term life, permanent life, and return of premium life insurance, which is a combination of the first two products. It has partnered with several insurance carrier companies like MetLife, Lincoln Financial Group, and Ohio National Financial Services to offer a variety of personal and commercial insurance products.

License Verified:

License: 1113

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 (227)

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
Grimes Insurance Agency logo
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Grimes Insurance Agency

1651 Broadway Street, Lubbock, TX 79401
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Business Description

Based in Lubbock, Grimes Insurance Agency was established by Lester Grimes in 1948. It offers a variety of life insurance products for clients, such as term life, permanent life, and return of premium life. The firm's specialists can help clients determine the coverage that suits their needs and annual income. In addition, they create personalized personal insurance programs for individuals, families, and companies with unique needs. These include workers' compensation, rental properties, antique, automotive, and farms.

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 (228)

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
Hettler Insurance Agency logo
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Hettler Insurance Agency

4432 South Loop 289, Lubbock, TX 79414
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Business Description

Hettler Insurance Agency is a local provider that has been serving individuals and businesses in the Lubbock area since 1992. Some of its products are personal lines like vehicle, property, and health insurance. An independent insurance firm, Hettler Insurance Agency works with clients to choose from multiple carriers. The agency is owned and managed by Ron Hettler, an experienced broker who has served as the president of the Independent Insurance Agents of Lubbock.

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 (29)

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
J B Mann Insurance Agency logo
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License Verified:

License: 1730903

Texas Department of Insurance

J B Mann Insurance Agency

3317 81st Street, Lubbock, TX 79423
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  • Life Insurance

Business Description

J B Mann Insurance Agency is a business that serves the locals of Lubbock and the rest of Western Texas and the South Plain region. It offers life insurance and other policies to cover homes and cars. The agency works with carriers such as Germania and Progressive. The family-owned and family-operated business is under the leadership of Tina Mann Stone. Its roots go back to 1976 when it was founded by J.B. Mann.

License Verified:

License: 1730903

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
Facebook
5.0 / 5 (9)
Google
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
Mardis Insurance logo
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License Verified:

License: 1804473

Texas Department of Insurance

Mardis Insurance

7212 Joliet Ave Suite 8, Lubbock, TX 79423
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  • Life Insurance

Business Description

Mardis Insurance is a full-service company that serves clients in Lubbock and the surrounding areas. The agency provides individuals, professionals, homeowners, and businesses with insurance products. It also offers life, health, auto, home, and property insurance. The team of agents handles life insurance policies that cover personal injuries, liabilities, dental, vision, and voluntary benefits. They have two personal life plan options such as term life and whole life. Additionally, Mardis Insurance carries security policies for pets.

License Verified:

License: 1804473

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
4.2 / 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
Helpfulness
Detail
Pirkle Weir Insurance Agency logo
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License Verified:

License: 1512732

Texas Department of Insurance

Pirkle Weir Insurance Agency

2509 86th Street, Lubbock, TX 79423
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  • Life Insurance

Business Description

Pirkle Weir Insurance Agency is an insurance service company with offices located in Lubbock and Big Spring. This full-service insurance business offers a wide range of insurance products, including life insurance. Its agents provide term-life insurance and permanent life insurance policies. They also assist clients in determining the right level of coverage that will suit their needs and financial circumstances. Pirkle Weir has been serving clients since 1954, backed by a team with over 100 years of collective industry experience.

License Verified:

License: 1512732

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
Facebook
5.0 / 5 (46)
Google
5.0 / 5 (32)

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
––
Rodriguez Insurance Agency logo
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Rodriguez Insurance Agency

2026 82nd St Unit 103, Lubbock, TX 79423
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Business Description

Rodriguez Insurance Agency is a health insurance company in Lubbock. The company specializes in a variety of personal insurance products, including health and life insurance. It helps clients tailor policies to meet their individual needs and can include options such as critical illness, dental, and vision coverage, as well as living benefits on life insurance policies. In addition to life and health insurance, Rodriguez Insurance Agency also sells home and auto insurance policies, as well as commercial products such as workers' compensation and employee benefits packages. It works with a variety of well-known, reliable insurance carriers, including Progressive and Travelers.

Scot Freeman Insurance Agency logo
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Scot Freeman Insurance Agency

2738 82nd Street, Lubbock, TX 79423
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  • Life Insurance

Business Description

Scot Freeman Insurance Agency is a family-owned and operated local independent insurance agency that serves the insurance needs of families and businesses in Lubbock and the surrounding communities. It carries life insurance plans across term life, universal life, and whole life options. Additionally, it provides commercial and personal coverage packages. These include commercial property insurance, commercial vehicle, liability insurance, workers’ compensation, auto insurance, and home insurance. Scot Freeman Insurance Agency has served Lubbock for 40 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.
5.0
Google
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
Sims-Perrin Insurance Agency, Inc. logo
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License Verified:

License: 1626813

Texas Department of Insurance

Sims-Perrin Insurance Agency, Inc.

3302 34th Street, Lubbock, TX 79410
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  • Life Insurance
  • Individual Plans

Business Description

Sims-Perrin Insurance Agency, Inc., caters to clients in Lubbock and the surrounding areas. It offers personal lines of insurance, including whole, universal, and variable universal life coverage plans. It writes life policies designed to provide death benefits, pay final expenses or estate taxes, leave an inheritance, and make charitable donations. Disability and long-term care insurance premiums are also available. As an independent agency, it has access to various carriers, including The Hartford, Liberty Mutual, and Progressive.

License Verified:

License: 1626813

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 (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
ValuCare Insurance Services logo
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License Verified:

License: 1996432

Texas Department of Insurance

ValuCare Insurance Services

4920 S Loop 289 Suite 103, Lubbock, TX 79414
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  • Life Insurance

Business Description

ValuCare Insurance Services is a company that provides social security consultations and retirement planning to clients in Lubbock and its nearby areas. The firm has been operating for more than 20 years and writes personal, commercial, and Medicare insurance policies. It has different products, such as variable, term, and permanent life insurance plans. These protect policyholders and their families from accidents, final expenses, mortgage payments, and short-term debt. ValuCare Insurance Services also offers personal financial planning.

License Verified:

License: 1996432

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 (1)
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
West Texas Insurance Agency logo
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West Texas Insurance Agency

2201 University Avenue, Lubbock, TX 79410
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Business Description

West Texas Insurance Agency is a multi-line insurance agency with a location in Lubbock. Established in 1995, it works with several insurance carriers to provide more policy options for its clients. The agency helps clients find the right homeowners' insurance type to cover their individual needs. Homeowners' insurance policies can protect against all risks or only against named perils. West Texas Insurance Agency represents insurance carriers like Stillwater Insurance Group, Travelers, Foremost Insurance Group, Liberty Mutual Insurance, Kemper, and Progressive.

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
5.0 / 5 (32)

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
Zuniga Insurance Agency logo
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License Verified:

License: 1295805

Texas Department of Insurance

Zuniga Insurance Agency

1407 19th St, Lubbock, TX 79401
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  • Life Insurance
  • Term Life Insurance

Business Description

Zuniga Insurance Agency is a locally owned independent firm that serves Lubbock and the surrounding communities. It provides life insurance plans available in term and permanent categories. It also offers insurance coverage for automobiles, health, renters, and bonds. Clients can opt to have their houses, rental properties, and manufactured homes covered with insurance to protect them from disasters. Zuniga Insurance Agency offers policies for builders' risk, BOP, general liability, commercial automobiles, and workers' compensation.

License Verified:

License: 1295805

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 (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
Back to Providers

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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