While our site doesn’t feature every company or financial product on the open market, we believe everyone should be able to make great financial decisions with the utmost confidence. The guidance we offer, the information we provide, and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence what products we write about and review and where on the site we put them. In no way does this affect our recommendations or advice, which are grounded in many hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.

Life insurance Texas

For every one of our neighbors in Texas, that just had a baby, bought a home, got married, or divorced. Your life insurance should be unique and dependent on your personal and financial needs. As your life changes, your life insurance coverage may need to change and keep up with your current needs.


Life insurance Texas

texas life insuranceIf you are planning for the future for you and your loved ones, it is a must that you have the right life insurance policy. Life insurance is the tool that keeps your moving forward and fulfilling the promises you made when you are gone.

Don’t leave the future of your loved ones to chance. It’s just too risky today. Coach B. Insurance can help you find the right Texas life insurance coverage for you and your family and help ensure that your policy continually meets your needs.

Texas life and health insurance guaranty association

The Texas Life and Health Insurance Guaranty Association is a non-profit organization that protects policyholders if their insurance company becomes insolvent. The association is funded by insurance companies and is legally required to cover specific policies, such as life insurance, health insurance, and annuities. If an insurance company cannot fulfil its obligations, the association will step in to pay claims and protect policyholders.

Types of Texas life insurance policy

  1. Term life insurance
  2. Whole life insurance 
  3. Universal life insurance

Texas life insurance laws

Texas has specific life insurance laws and regulations, including policy provision requirements, grace periods, and beneficiary designations. It is essential to understand these laws when purchasing a life insurance policy in Texas. Some key regulations include a 30-day grace period for premium payments and restrictions on contestability periods for certain types of policies.

Term life insurance Texas

life insurance policies in texasTerm life insurance protects for a certain period – ranging from 1 to 40 years – and would pay a death benefit if you die during those periods—thats why term life insurance is often referred to as temporary life insurance. However, If you currently are without life insurance, then getting a term life insurance policy in Texas can be an excellent place to start. It usually will cost less than permanent life insurance and is available in varying periods with fixed premiums.

Also, term life insurance Texas  is sometimes convertible to permanent coverage without proof of insurability, providing you with great flexibility as your needs and health change.

Average cost of life insurance in Texas

Monthly    (nonsmoker)
Monthly   (smoker)

Example only: 20 year term with a death benefit of $500,000. Rates subject to change.  

Compare and buy life insurance

Whole life insurance Texas

texas life insurance policyIf you want something for your family that is more permanent and that will last a lifetime as long as you keep up the premiums, then you probably want to go with a whole life insurance policy. Whole life insurance policy in Texas can be an investment opportunity as it builds cash value over time.

Texas Life insurance cash value

  • Guaranteed level premiums and won’t increase while the policy is active.
  • Guaranteed cash values grow on a tax-deferred basis so that you can get started right away.
  • Guaranteed insurability means that your classification will never change once the policy is in force unless it is to your advantage.
  • Guaranteed paid-up options are stated up-front for each policy year, so you know if you should stop paying premiums.

Whole life is usually used for:

  • What is Burial life insurance Texas ?

    A permanent whole life burial insurance policy is specifically designed to cover all your final expenses. When looking into burial insurance policies, you need to account for expenses other than funeral expenses. These could include medical bills, legal expenses, or any other outstanding bills you must pay after you die. A funeral and associated costs could run well over $10,000.

    While burial insurance policy amounts are much smaller than life insurance policy payouts, they should still be enough to cover any expected final expenses reasonably.

  • What is Final Expense Insurance Texas ?

tx life insuranceFinal expense insurance is an excellent alternative to typical life insurance policies because they are more affordable and have no medical exam, and their premiums won’t increase over time.

It’s possible that a good final expense insurance policy can provide the funds to the beneficiary within 24-48 hours of your passing. In contrast, standard life insurance policies could take several weeks to pay off. This feature can help with making mortgage payments and covering day-to-day living expenses.

An excellent structured final expense policy is no longer a luxury but a necessity. So what’s holding you back? Give yourself and your loved one’s peace of mind.

Life insurance quotes Texas

Coach B. Insurance logo

Compare the market, right here.

Coach B. saves you up to 60% by comparing the top-rated companies on our quote and apply platform.

Universal life insurance Texas

Universal life is just another form of permanent life insurance like whole life but with specific characteristics like flexible premiums, face amounts, and an unbundled pricing structure. Fixed Universal life can build cash value, which earns an interest rate that may adjust periodically but is usually guaranteed not to fall below a certain percentage as index universal life is backed by the stock indexes like S&P 500.

Life insurance policy in texas area

Coach B. Insurance Agency is an online insurance agency that provides life insurance services to the whole state of Texas.

Best life insurance companies in Texas 

How much life insurance do i need?

Life insurance calculator

Life Insurance Need Calculator
This calculator will help you to decide how much life insurance you need if your survivors invest the life insurance benefits they receive.

Funeral cost, estate taxes, etc. ($):
Amount needed to pay off non-mortgage debt ($):
Amount needed in emergency fund ($):
Amount needed in college fund ($):
Expected average annual living expenses ($):
Expected spouse's average annual income after taxes ($):
Annual Social Security Benefits ($):
Spouse's current age (#):
Value of current liquid assets ($ total of savings, investments, etc.):
Expected survivor's investment strategy:
Life insurance needs:

Texas life insurance quotes online

Online life insurance quotesIf you live in Texas or the surrouding area and would like to buy life insurance online, visit an online broker like Coach B. Insurance. You’ll will only answer a few simple questions about your age and health and get instant online quotes with no obligation. If you decide to purchase a policy, you can fill out application online or you may have an agent walk you through the steps to buy either online or on the phone.

Texas Life insurance reviews

texas life insurance reviews

Tom Byers - TXSales Manager
Read More
Coach B. made the process very easy and fast.
Robert Criss - HoustonTruck Driver
Read More
I found Coach B. Life Insurance online and ended up being instantly satisfied with their particular fast answer back to my inquires and step-by-step answer pertaining to my insurance coverage needs. I just thoroughly enjoyed working with Coach B. Life because the team not only render a personal service, but a extremely professional and complete service. I feel extremely satisfied using their team and also plan on using their service for a lot of years to come.
Bobby Elam - DallasRetired
Read More
I never thought working together with an agent whom I actually couldn’t get together with in person. However the web has transformed everything. I just found Coach B. Life Insurance on the internet and discovered quickly that I actually discovered who I had been looking for. Coach is actually a down-to-earth, quite easily available, extremely knowledgeable and non-pushy professional to let sort out the complex financial world of insurance. I definitely recommend giving Coach B. a try.
Diane Ansari - Austin
Read More
Very easy and fast. Coach walked me through every step of the process!
Tom Rideout -Ft. Worth
Read More
Coach thanks for taking care of my final expense policy.

Frequently Asked Questions

What is the best life insurance in Texas?

Texas's best life insurance companies include Foresters, Assurity, Fidelity, and SBLI. However, the best company for you will depend on your needs and preferences, so shopping around and comparing quotes from multiple providers is essential.

How much is life insurance in Texas?

Life insurance costs in Texas vary depending on age, health, and the coverage amount. On average, a healthy 35-year-old non-smoker can expect to pay around $20 per month for a 20-year term life insurance policy with a $500,000 death benefit. However, rates can be higher or lower depending on individual circumstances.

Send Us A Message