Life insurance Houston

For every one of our neighbors in  Houston, 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.

Google
Life insurance houston

Houston Life insurance  

life insurance houston texasIf 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 Houston life insurance coverage for you and your family and help ensure that your policy continually meets your needs.

Types of life insurance Houston Tx

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

Term life insurance Houston

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

Term Life insurance rates by age

Age
Monthly    (nonsmoker)
Monthly   (smoker)
25$31$86
30$33$92
35$38$117
40$50$179
45$78$277
50$118$426
55$190$663
60$318$1,007
65$593$1,528

Example: 20 year term with a death benefit of $500,000

Compare and buy life insurance

Whole life insurance Houston Texas

If 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 can be an investment opportunity as it builds cash value over time.

Whole life insurance offers many additional guarantees:

  • 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 Houston?

    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 Houston?

final expense insurance houston texasFinal 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.

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 Houston

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 Houston Texas area

Coach B. Insurance Agency is an online insurance agency that provides life insurance services to

  • West University Place, TX
  • Bellaire, TX
  • Jacinto City, TX
  • Galena Park, TX
  • South Houston, TX
  • Pasadena, TX
  • Aldine, TX
  • Cloverleaf, TX
  • Missouri City, TX
  • Pearland, TX
  • Stafford, TX
  • Deer Park, TX
  • Channelview, TX
  • Humble, TX
  • Mission Bend, TX

Best Life insurance companies 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:

American General life insurance company Houston Tx

Whether you’re looking to protect your entire family, assets, employees, or all of the above,  American General can provide protection that fits your needs and budget.

Houston life insurance quotes online

houston life insurance quotes onlineIf you live in Cleveland 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.