Life Insurance Houston TX

1. premium costs may make it difficult to buy enough

2. need to carry a whole life policy for a considerable length of time to be
very beneficial

3. cash value may be less than your face value

4. cannot vary your monthly premium payment and the premium-paying
period may be lengthy

5. amount of coverage cannot be increased at a later date

Personal Insurance

Houston, TX Life Insurance Policy Information

(Term, Universal & Whole Life Insurance)

Life Insurance can help protect your family and is an excellent way
to accumulate money for college, retirement or unplanned
expenses. A person should have life insurance that approaches six
to eight times their annual gross income. Under current laws, there
is generally no federal income tax on death benefits paid to a
named beneficiary.

Using the strength and experience of our life insurance markets, we
offer affordable term life, whole life, and universal life insurance
policies.

Term Life Insurance Policy Information - Texas

Life insurance coverage for a specified length of time. A term life
insurance policy is usually purchased with a particular need in mind.
Beneficiaries will collect, usually tax free, the face value of the policy
upon the insured (your) death. Term life is attractive for those with a
limited income, high short term insurance needs, or for personal
family protection.

If the insured survives the time period, the policy expires. There is
no cash value at the expiration of a term life insurance policy. Some
policies have a convertible feature permitting a policyowner to
exchange a term policy for a cash value policy without evidence of
insurability.

Level Term Life Insurance Policy Features

A constant death benefit and a level premium for a
specified number of years. We offer 10, 15, 20, and 30
year terms.

Decreasing Term Life Insurance Policy Features

Has a decreasing death benefit and a level premium.

Click on the link below to fill out a secure quote request form for a
Term Life Insurance policy that will provide excellent life insurance
coverage at an affordable cost. An insurance agent in the Houston,
Texas area will contact you.

Whole Life Insurance Policy

Click on one below to learn more!

Term Life Insurance Policy

Universal Life Insurance Policy

Whole Life Insurance Information

Universal Life Insurance Information

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Term Life Insurance

quote request form

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The most popular choice for those seeking to cover permanent needs,
such as contributing to a survivor's nest egg, paying off final expenses,
etc. Whole life insurance provides permanent, lifelong insurance coverage.
The benefit amount remains the same and is payable to the beneficiary(s)
at the time of the insured's (your) death. It also offers an opportunity to
build cash value, so you can take a loan on your policy to fund major
purchases or to provide for unexpected costs.

Whole life insurance has a fixed premium and a level death benefit to age
100. The premiums don't increase with age, which averages the cost of
the policy over your life. The cash value increases with time until it equals
the death benefit at age 100. This type of policy never has to be renewed
or converted. The cash value is an amount of money that you are
guaranteed to receive in the event of policy cancellation.

Whole Life Insurance Policy Information - Texas

Variations of Whole Life Insurance include:

Modified Premium - lower fixed premium for the first 3 or 5 years, and
then premiums increase. These policies work well for individuals that
expect to improve their financial condition in the near future.

Graded Premium - premium increases each year for the first 5 years,
and then is fixed.

Advantages of Whole Life Insurance

1. guaranteed protection for life

2. level death benefit that is generally tax-free

3. premiums do not increase in correlation with your age

4. cash may accumulate tax-deferred

Disadvantages of Whole Life Insurance

Click on the link below to fill out a secure quote request form for a Whole
Life Insurance policy that will provide excellent life insurance coverage at
an affordable cost. An insurance agent in the Houston, TX area will
contact you.

Click here to fill out a

Whole Life Insurance

quote request form

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Term Life Insurance Information

Universal Life Insurance Information

Universal Life Insurance Policy Information - Texas

A flexible premium policy that combines protection against premature
death with a savings account that typically earns a money market rate of
interest. A universal life insurance policy is a combination of term life
insurance protection with the cash savings value of whole life insurance.
Interest rates paid on the cash value are typically higher than with whole
life insurance because they tend to follow the markets.

Premiums for universal life insurance policies can be paid in a lump sum,
annually, or anywhere in between. Interest on the cash value is usually
guaranteed, but will vary according to the investment performance. Each
month deductions are made from the cash value fund to support the costs
of the insurance protection. As long as the cash value is substantial
enough to maintain the monthly costs, the policy will remain in force.
Typically the death benefit reduces in proportion to the increase in cash
value, thus causing a level death benefit.

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Universal Life Insurance

quote request form

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Term Life Insurance Information

Whole Life Insurance Information

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Local Houston, Texas area insurance agents offering affordable life insurance policies in
the following cities and counties: Pasadena, Deer Park, Pearland, Galena Park, Jacinto
City, La Porte, Bellaire, West University Place, North Houston, Cloverleaf, Beaumont
Place, Spring Valley, South Houston, Hilshire Village, Humble, Houmont Park,
Friendswood, League City, Alvin, Mission Bend, Sugar Land, Stafford, Missouri City,
Texas City, Webster, Dickinson, Baytown, Channelview, Highlands, Seabrook, Bacliff,
La Marque, Jersey Village, Town West, Westfield, Kingwood, Spring, The Woodlands,
Liberty, Conroe, Tomball, Hempstead, Galveston, Crystal Beach, Lake Jackson, Algoa,
Santa Fe, Juliff, Arcola, Needville, Katy, Dayton, Angleton, Beaumont, Port Arthur,
Bammel, Kohrville, Manvel, Bay City, Beasley, Rosenberg, Richmond, Orchard,
Fulshear, Brenham, Addicks, Brookshire, San Felipe, Hockley, Prairie View, New
Caney, Beach City, Nassau Bay, Harris County, Fort Bend County, Brazoria County,
Galveston County, Montgomery County, and Liberty County, TX.