Expertise.com

2024

Last updated:

Best Life Insurance Companies in Temple

Our Recommended Top 5

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 Temple 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.

3205Reviewed

1925Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
101 Lake Road, Belton, TX 76513
  • Life Insurance
  • Health Insurance

Why choose this provider?

John Corsi is a State Farm insurance agent providing services to Temple. He specializes in life insurance products to help clients find suitable coverage to support their families' financial security. He offers several policy options, including term life that only gives benefits if the policyholder passes away during the specified term. He additionally caters to clients who prefer permanent life insurance coverage by offering whole and universal life policies. Corsi also caters to individuals needing to change their beneficiaries or dependents.

License Verified:

License: 1461615

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
Google
4.9 / 5 (36)
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
127 Lake Road, Belton, TX 76513
  • Life Insurance

Why choose this provider?

Established in 2019, Prestige Insurance is a life insurance agency serving clients in Temple and other areas in Central Texas. In addition to term, whole, and universal life policies, the company also handles annuities and individual retirement accounts. Clayton Boyd, the founder, also provides different types of coverage for auto, motorcycle, all-terrain vehicle, and utility vehicle insurance. He also offers assistance with policies involving workers' compensation and general liability insurance. Prestige Insurance is available for homeowners' insurance products as well.

License Verified:

License: 1910792

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
Yelp
3.5 / 5 (15)
Google
5.0 / 5 (9)
Facebook
5.0 / 5 (5)

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
4102 South 31st Street, Temple, TX 76502
  • Life Insurance

Why choose this provider?

All About Insurance is a full-service insurance agency founded by U.S. veteran Tim Hodge in 2005. It provides insurance solutions for customers in Temple and the surrounding areas looking to protect their families, businesses, properties, and health. Its extensive line of insurance includes life & health insurance, home & auto insurance, commercial insurance, and general liability insurance. All About Insurance represents leading carriers such as Prudential, Lincoln Heritage Life, American General, and Colonial Life for all its life insurance products. Tim is a member of the Temple Chamber of Commerce.

License Verified:

License: 1316584

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.
4.1
Google
4.0 / 5 (13)
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
2404 Williams Drive, Georgetown, TX 78628
  • Life Insurance

Why choose this provider?

Established in 1928, Evans, Ewan & Brady Insurance Agency, Inc., offers life insurance options to clients in the Tempe area. Its products include term life and permanent life insurance, with both having differing timelines but the same benefits. The agency also provides key man life insurance, which is reserved for a company's top executive and the protection of their business. Evans, Ewan & Brady Insurance Agency also specializes in car, home, and business insurance, representing over 50 insurance carriers.

License Verified:

License: 9575

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
Facebook
4.0 / 5 (27)
Yelp
4.5 / 5 (6)
Google
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
820 South Main Street, Belton, TX 76513
  • Life Insurance

Why choose this provider?

Finney Insurance Agency has been providing insurance products and services to Temple for over 71 years. The agents from this company assist renters in finding suitable insurance policies that protect their personal belongings in case of fire, break-ins, and other natural disasters. With a resource of policies from various insurance carriers, they help renters obtain the most comprehensive coverages and premiums that fit their needs and goals. The team also offers services in other insurance lines, including homeowners' insurance, auto insurance, and life insurance.

License Verified:

License: 19204

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 (27)
Facebook
5.0 / 5 (14)

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

FAQs

  • How do life insurance companies in Temple pay death benefits?

    Life insurance agencies in Temple pay death benefits in a single lump sum or through a fixed period, an interest at regular intervals, and a set amount monthly. Insurers must provide the death benefits within two months of receiving the proof of death and verifying beneficiaries. However, if the policyholder dies during the contestable period, which is the first two years of the plan, life insurance companies may take longer to provide death benefits to beneficiaries.

  • Why does the life insurance company take longer to pay death benefits in a contestable claim in Temple?

    In Temple, life insurance companies take longer to provide death benefits in a contestable claim due to the process complexity and several required documents to submit. During a contestable claim for life insurance policies, insurers investigate that no material misrepresentation may cause a denial of payment. They also order medical records and require beneficiaries to submit a death claim authorization signed by them or the personal representative of the deceased's estate.

  • How long is the grace period In Temple to pay for a missed life insurance premium payment?

    Temple residents have a minimum of 30 days to pay their overdue life insurance premiums before their coverage expires, according to Texas life insurance laws. The grace period helps individuals from lapsing policies, prevents underwriting, and protects beneficiaries from lost claims. However, if a policyholder dies within the timeframe, insurance companies are still required to make a full payment to the beneficiaries.

  • What rules are placed on insurance companies to encourage Temple residents to buy life insurance policies?

    Under the Texas Insurance Code, insurers in Temple are prohibited from not selling life insurance policies or denying coverage to applicants based on their religion, color, age, race, and marital status. Anyone who violates this legislation has to pay an average of $25,000 penalty depending on the seriousness of the intent. On the other hand, life insurance companies are allowed to deny policies or charge higher premiums if they prove that the stated factors directly affect the policyholder's mortality rates.

  • Do life insurance agencies in Temple deny policies for those with criminal records?

    It depends. Some life insurance companies in Temple may sell policies to individuals with criminal backgrounds, but they may charge higher premiums, require several documents to submit, and offer limited coverage. Meanwhile, several insurers refuse those with criminal convictions from providing life insurance plans due to risk factors that may affect their life expectancy. However, House Bill 1934 bans life insurance companies that deny coverage solely for having a criminal history.

  • 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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