Texas Life Insurance

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In a world where money is tight we often find ourselves choosing between paying for the “must haves” and neglecting the “should haves.” Life insurance, unfortunately, is a perfect example of this. We all know that we should have life insurance to at least cover our final expenses, but many of us don’t purchase life coverage because it’s just one more thing we’d have to spend our hard earned money on, and—let’s face it—we’ve got a lot of other bills wanting our monetary attention.

The problem with this sort of thinking is that life insurance really isn’t a “should have;” it’s a “must have.”

Thinking about life going on after we’re gone is a little scary, but the fact is that it does, and someone you love will be left with funeral and other expenses that they’ll have to meet without you. Now, there are plenty of people who believe that their social security benefits will be enough to at least pay for their funeral, but the truth is that social security pays a death benefit of only $250—a far cry from the $6,000 average cost for a funeral today! On top of that, your loved ones will be left with mortgage payments and other living expenses. Life insurance is an excellent way to cover those expenses.

There are a few different types of life coverages available to meet your needs and budget. The two most common types are term life and whole life. But, which one is right for you? The answer is that the kind of insurance you should purchase really depends on your individual circumstances. To know which will work best for you, you must first understand the difference between the two.

Term Life Insurance
Term life is exactly what the name implies—a life policy that ends after a specific period of time. Term life pays a death benefit to the beneficiaries you designate upon your death, but has no cash value. In other words, you can’t “cash in” the policy or borrow against it prior to your death. Of course, the policy only stays in effect throughout the time period if you continue to pay your premiums in a timely manner.

People who purchase term insurance often do so with a specific purpose in mind. For example, an individual who has just taken out a sizeable business loan that he or she wouldn’t want to leave a spouse responsible for might buy term life to cover the loan in the event of his or her death. Term coverage also appeals to those who want to offer their families some protection when they die, but who have a limited income that doesn’t allow for the higher premiums of whole life.

At the end of a term life policy, you may be able to renew for another set amount of time. Your premiums may be higher for this next term due to your increased age or illness. You may also be able to convert the policy to a whole life policy at a later date.

Whole Life Insurance
Whole life also provides exactly what its name suggests—a life policy meant to cover you for your entire life. Again, the continuation of the policy is dependent on promptly paid premiums.

Whole life is more costly than term because it is a policy meant to last over a great length of time without a premium increase. In other words, even if you become terminally ill, your whole life insurance premiums will not go up. With term life insurance, premiums remain constant only through the set time, but may increase at the end of the term due to attaining an older age and/or if serious illness arises; possibly preventing renewability.

Whole life is designed to meet your permanent needs, including payment for final expenses and adding to a nest egg that can be drawn on in times of need. Whole life does have a cash value that will grow over time and that can be loaned against. However, any loans taken on the amount will be deducted from the death benefit paid.

Which Is Right For You?
Whether you choose to purchase term versus whole life is really up to you and is entirely dependent on your unique situation. The best thing you can do in making your decision is to speak with a qualified life insurance agent who can provide you with quotes for both types of policies and discuss your options.

95 thoughts on “Texas Life Insurance”

  1. The Best Life Insurance Quotes for diabetics, may Not be The Best.

    How sure can you be that the term or whole life insurance quote you get is accurate? The great majority of the rates generated from Internet quotes are NOT correct. This is true for all quotes, and especially for Diabetics. There are many things that can cause an insurance company to view you as a higher risk or as a poor investment. Each company is unique on how they will view their prospects and choosing the wrong company will have even higher consequences for those with diabetes.

    Most quotes are a quick guess by the agent. Furthermore, the lower that number is, the greater the chance is that you will accept it and mover forward. The problem is that the insurance company does not care what the agent told you when you were quoted. They have very strict guidelines that they will follow. This is commonly known as “Bait and Switch”.

    I had a client with diabetes come to me recently because I am a high risk life insurance specialist. They had just completed the application process with another agency and got declined on their application. This was the 2nd agency they tried in just over a year with a decline both times.

    They client is a type one diabetic diagnosed at the age of 16. This is an automatic decline with most companies, but is still OK with a few companies. So if there are companies OK with this client, how did he get declined twice?

    The client had been treated for Neuropathy over 10 years ealier, in his late 30′s. Neuropathy is a lack of circulation to the extremities causing numbness in the hands and feet. If Neuropathy continues it can lead to amputation and is considered to be a high risk.

    The client only had symptoms for a very short period of time. What ever was causing the sensations the client was having went away. He had gone 14 years without any re-occurring signs and has always had good control over his diabetes.

    It is not shocking to me to see this happen to a very intelligent person two times, especially with the amount of money the client was willing to pay. Most agents don’t deal with a lot of high risk cases. In fact, high risk cases are very uncommon to the average agent. In this particular case, it was very tricky. Most agents only ask diabetics the basic questions. That would be OK if the life insurance companies only cared about the basics.

    The rules on how the insurance companies determine rates remain the same with both term life and whole life. For diabetics, the best rate can be significantly less expensive than the 2nd and 3rd best rates. Whether you are: looking for quotes; already applied and been turned down or rated; or have a policy you would like to compare, make sure your getting the most out of your investment.

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  39. Life insurance is a contract between an insurance policy holder and an insurer, where the insurer promises to pay a designated beneficiary a sum of money (the “benefits”) upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. The policy holder typically pays a premium, either regularly or as a lump sum. Other expenses (such as funeral expenses) are also sometimes included in the premium; however, in Australia the predominant form simply specifies a lump sum to be paid on the policy holder’s death.

    The advantage for the policy owner is “peace of mind”, in knowing that the death of the insured person will not result in financial hardship for loved ones.

    Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war, riot and civil commotion.

  40. Most Americans need life insurance. To figure out if you need life insurance, you need to think through the worst-case scenario. If you died tomorrow, how would your loved ones fare financially? Would they have the money to pay for your final expenses (e.g., funeral costs, medical bills, taxes, debts, lawyers’ fees, etc.)? Would they be able to meet ongoing living expenses like the rent or mortgage, food, clothing, transportation costs, healthcare, etc? What about long-range financial goals? Without your contribution to the household, would your surviving spouse be able to save enough money to put the kids through college or retire comfortably? The truth is, it’s always a struggle when you lose someone you love. But your emotional struggles don’t need to be compounded by financial difficulties. Life insurance helps make sure that the people you care about will be provided for financially, even if you’re not there to care for them yourself. To help you understand how life insurance might apply to your particular situation, we’ve outlined a number of different scenarios below. So whether you’re young or old, married or single, have children or don’t, take a moment to consider how life insurance might fit into your financial plans.
    You’re Married
    Life Insurance – You’re MarriedWhen you’re married, you share everything with your significant other, including your financial obligations. Many people mistakenly believe that they don’t need to think about life insurance until they have children. Not true. What it one of you were to die tomorrow? Even with the surviving spouse’s income, would that person be able to pay off debts like credit-card balances and car loans, let alone cover the monthly rent and utility bills. If you’re planning to have children, you’ll want to buy life insurance right away and not wait until the mom-to-be is pregnant. Some companies won’t issue a policy to a woman during her pregnancy. Since health complications sometimes arise, they’ll want to wait until after the baby is born to issue the policy. Buying insurance before a baby is on the way helps avoid this potential problem.
    You’re Married With Kids
    Life Insurance – You’re Married with Kids Most families depend on two incomes to make ends meet. If you died suddenly, could your family maintain their standard of living on your spouse’s income alone? Probably not. Life insurance makes sure that your plans for the future don’t die when you do.
    You’re a Single Parent

  41. Texas life insurance is available as term life, universal and whole life policies. Term life insurance is the cheapest and provides a death benefit if the insured person dies during the policy term, especially useful for seniors. Universal life insurance is a type of permanent insurance, and has an investment feature that earns cash value, while whole life insurance is also permanent and has a savings feature.Whole life insurance is not as cheap as term life insurance, but the best life insurance depends on the needs, goals and budget of the individual. Texas life insurance quotes can help you compare different types of life insurance and find the best rates, coverage, and insurance company. Learn more about the differences between term vs. whole life insurance.

  42. Life insurance is a crucial part of planning for the financial future of every member of a family. Texas life insurance helps families continue even after the devastating loss of a loved one by providing security for survivors and peace of mind for policyholders. Enter your zip code to begin a Texas life insurance quote and find the best life insurance policies, coverage, rates and companies in Texas.

  43. Life insurance has no one-size-fits-all option. Singles with no dependents often need little or no coverage. But it can be an important purchase for people whose families depend on their income to cover daily living costs, mortgage repayment, college, retirement or other major expenses.

    According to Larry your life insurance needs likely will change as family circumstances evolve. “Once you start a family, you’ll probably want to beef up coverage,” he said. “But after the kids are on their own, your house is paid-off and your retirement is well-funded, you may feel comfortable amending your coverage.”

    In my family’s case, we bought term life insurance shortly after our son was born, and added supplementary policies four years later when our daughter arrived. Our goal was twofold: To provide my wife with at least 10 times my income if I should die; and to help me cover childcare expenses should she go first.

    Because our initial 10-year policies expire soon, we’ve been reexamining our needs with Davidman’s help. If you’re also looking, here’s a brief overview of common life insurance options:

    Life insurance is essentially a contract where, in exchange for you paying regular premiums, an insurance company makes a payment to your beneficiaries when you die. Most people buy life insurance to protect family members who depend on their income and would otherwise have difficulty meeting current and future financial obligations. Some also use it to build cash value to borrow against, income tax-free, to supplement retirement income.

    There are two broad categories of life insurance: term and cash value (or permanent). Costs are based on such factors as your age, gender, overall health, family history, driving record, hazardous activities (like skydiving) and foreign travel habits.

    Term life is the simplest and least expensive type, since it pays your beneficiaries only if you die while the policy is in force. Term periods usually range from 5 to 30 years. Premiums increase according to your age and overall health, but several other features can also affect the cost and benefits received.

    Cash value/permanent life products let you build cash value that grows tax-free and that you can potentially borrow against (also tax free), subject to certain limitations and based on product and design. Because of this cash value component, the cost is significantly higher than a term policy with the same death benefits. Common varieties include:

    Whole Life, which provides lifetime protection with locked-in, guaranteed premiums, death benefit and cash values. It’s usually the most expensive type of permanent life insurance due to the guarantees it offers.

    Universal life offers the same fixed investment performance as whole life but greater flexibility in terms of premium payment schedules, duration of guaranteed death benefit and accumulation of cash value.

    Variable universal life (adjustable life) lets you invest the cash-value portion in securities (stock funds, bond funds, money market, etc.), which have greater growth potential but also carry greater investment risk than fixed accounts. Be aware: Poor fund performance can reduce the cash value and/or death benefit.

    Davidman urges taking time to investigate the differences between companies and products. “Also, review your policy with your agent whenever major life changes occur, such as marriage, divorce, childbirth or significant change in income,” he noted.

    Employer plans. Many employers offer voluntary group term life insurance to employees. Because these policies don’t require medical exams, they’re a good way for unhealthy people to get coverage. But premiums usually increase significantly after age 50 and coverage often is not portable if you leave the company.

    A few additional considerations:

    Carefully calculate your beneficiaries’ future financial needs and how long they would need to rely on your income if should you die prematurely.

    If your term insurance is expiring and you’re in poor health, ask about converting to permanent life. Premiums will be higher, but you won’t have to pass a medical exam.

    Interview several insurance agents to gauge their capabilities, experience and ability to explain complex products. Then compare recommendations they give for your particular circumstances.

    Ask your insurance broker for a full breakdown of any commissions and administrative fees and check with your financial advisor about the tax implications of coverage options you’re considering.

  44. Term insurance is obtainable intended for established durations including 10, 15, twenty-five as well as 25 years. Having “annual alternative term, inches ones insurance plan routinely renews on a yearly basis in addition to payments rise while you age. Decide on “level expression insurance” if you wish ones rates to keep precisely the same right through this coverage. Likewise offered will be “decreasing expression insurance policy, inches at which payments keep on being level but your dying gain is decreased eventually. This can be very good if you would like insure simply a distinct personal debt that will lessens, say for example a house loan or maybe home business financial loan.

  45. In 1991, NBA All-Star Earvin “Magic” Johnson was diagnosed with HIV after a routine life insurance examination. Since then, Johnson has dedicated his life to promoting awareness about the deadly disease.

    Dr. Joan Schaefer, chief medical officer of Nebraska’s Health and Human Services System, learned she was in the early stages of a rare developmental liver disease called congenital hepatic fibrosis due to the lab results of a simple life insurance medical exam. At the time of the discovery, she had otherwise believed she was healthy and was in the middle of training for a marathon. In 2008, Schaefer underwent an emergency liver transplant to correct the condition.

    From a paramedical examiner’s standpoint, it is very common to come across a client who did not know there was a problem with their health until they saw the results of the examination.

  46. I’m a long way from retirement but a fellow carrier asked me today about after-retirement life insurance. Pretty sure a retiree has to start paying their own health insurance after retirement. Is life insurance the same, have to start paying it yourself? Any help/responses appreciated.

  47. When you are considering taking out a Texas life insurance policy, then one of the things that’s probably be on your mind is whether your payout will stretch far enough to satisfy your family’s requirements. In fact, people have found themselves in situations where they’ve overspent, or where a projected expenditure turned out to be totally different from the actual expense amount. A way of being sure that your insurance payout meets your family’s needs is to make provisions that can help it stretch farther.

    Speaking together with your insurance advisor about different payout choices is generally a good start. Although a lump sum payment is one of the most popular options for paying out a life insurance policy, there are other possibilities open to you and your family. You may opt for scheduled payouts of a certain amount over a set period of time, for example. This could help your loved ones develop a budget that they could follow and it may reduce the chance of overspending.

    Other options involve investments, which may be used to produce an income stream for your family. You may want to confer with a specialist to determine how your life insurance payout could be directed into an income-providing fund and develop a family budget accordingly.

    Finally, talk to your family members about living within their means, rather than being enticed to spend in the event that they are ever faced with a large Texas life insurance payout.

  48. Different people in different situations have different needs. Just like in life insurance. There are different types of insurance and they work for different types of people depending on their current situation. To some, term life insurance works for them well, but to others it doesn’t. Given that a term policy holder survived the entire term, they won’t get a dime out of policy. It seems like all those years of paying for your premium will go to nothing if you don’t die with it. What a waste of money. To address this problem, return of premium life insurance was created.

    As the name suggests, return of premium life insurance means that if you survive through your policy term, you will receive your premiums in full. Just like the term insurance, it can be bought for 10, 20, or 30-year terms and you need to pay the premium of the insurance every year until the term is finished. If you die within this term, your beneficiaries will get the death benefit. It differs with term insurance in this way. After your term is complete and if you still survive, you can get back the same amount of premium that you paid. Unlike the term insurance where you get nothing once your term expires, with return of insurance, every penny that you ever paid throughout your term will be refunded to you.

    Although return of premium life insurance is more expensive compare to term insurance, is it cheaper than whole life insurance. You can shop around for different quotes from different insurance company who offers competitive prices. You can ensure that you are covered within the period of your life where you think you are at risk or vulnerable. This type of insurance is flexible to adjust to your needs. Another benefit is that you can take advantage of paying the same premium if you suddenly become terminally ill. Your insurer also can’t cancel the policy. Should you wish to renew your policy for a longer term, you can do so without having to under medical examination again.

    There are some benefits when you take return of premium life insurance, but there are some drawbacks as well. If you cancel your policy for whatever cause, you won’t get anything at all. You need to finish the term in order for you to get your money. When it comes to cost, again, it is more expensive. In some cases, it could double to triple the cost of a typical term insurance. But with the peace of mind that the return of premium life insurance is giving you, isn’t it all worth it? Knowing that you are covered as well as your loved ones in the event that you die, it is a pretty good investment. If you think that it is more likely that you’ll live more than your insurance term, it’s better to get a return of premium life insurance.

  49. I’m trying to decide whether or not to continue my life insurance policy….I was already approved for DR & am receiving interim pay. OPM sent me a letter stating I was still eligible to continue my life insurance policy. I seem to remember hearing that most people end up canceling their policies because they are too expensive to maintain. Before I sign the form they’ve sent me, what have most of you done? I am a widow & have no other source of income, so basically I’m broke.

  50. We’ve talked a lot over the years about exclusions in life insurance policies. There’s the dark side which is mostly urban legend. The cases we’ve all heard about where, a claim is denied because a person died in a car accident after suffering a heart attack at the wheel. The company says they would have paid for death due to a heart attack, but not for death due to an accident.

    As mentioned, there is a lot of urban legend out there and the one described above is highly improbable because life insurance covers all causes of death. Different story if the person had accidental death insurance. The there is at least a valid question as to what the cause of death was.

    The other side of the question goes to when a person, say a private pilot with very few hours, takes an aviation exclusion on a life insurance policy, thus allowing him to get coverage for every conceivable type of death except a plane crash at the best rate class he qualifies for based on health. Then he takes out a supplemental accidental death policy to cover aviation. He’s then covered for all causes of death and even has excess coverage for accidental death other than aviation related.

    To date I’ve been under the impression that all companies held to the same standards for exclusions. It’s a given that they won’t exclude a health issue much to the chagrin of those who would probably be preferred plus candidates without their bad heart or bout with cancer, but I had never heard until a few days ago of a company that would exclude anything but aviation. Always learning. I had a mountain climber call and ask about accidental death insurance to cover his climbing. When I asked about his life insurance he said he had all of that in place but it excluded mountain climbing.

    Curiosity peaked I sent an email to my favorite underwriter at that company, as well as every other company I work with and asked, besides aviation, just what they would exclude. Now this all has an asterisk next to it because use of exclusions is a matter of individual state insurance law. Some states just don’t allow anyone to exclude anything but aviation (the only one that all states agree on), but in those states that will allow it this particular company will exclude just about any type of activity including foreign travel whether it is to work in a war zone or long term missionary travel. If they didn’t have life insurance in force already, someone leaving on either of these excursions would have to wait until they returned to get an actual life insurance policy. If they had a current policy covering their travel it isn’t an issue, but if not they are generally stuck taking out accidental death insurance.

    And what started this grilling of one of my favorite life insurance companies was a mountain climbing exclusion. Well, add to that just about anything from base jumping or any kind of dangerous sport and also professional car and motorcycle racing. People who do have hobbies or occupations like these regularly come to me for accidental death and dismemberment and disability coverage, but until now I wasn’t able to cover the big picture. A life insurance policy that covers everything but, and a supplemental policy that covers but.

    I’m sure I’ll have all of my life insurance agent friends laughing at me for not knowing this bit of information, but I’ve grilled several associates who have been in the business longer than me who had no idea. So, fortunately for all my clients I am not through learning and the portfolio continues to expand.

    Life insurance companies treat dangerous occupations and avocations, generally speaking, in one of two ways. They either decline to offer coverage such as a client I shopped recently who is leaving on a six month mission to Ghana. Transamerica “No offer for travel to Ghana”, Protective “6 months in Ghana would be a decline”, or Banner “No offer until applicant returns from Ghana”. Or they charge a giant flat extra that makes the insurance insanely expensive.

    Bottom Line. Now I’ve got my tool bag complete. If you need life insurance and have a dangerous hobby or profession, let me show you how to combine coverage so nothing is left out. If you have any questions or need quotes, call or email me directly. Let’s talk.

  51. It seems like we never think too much about insurance until we settle down and have a family. Sure, you get the mandatory car insurance so you can drive but most people don’t think too much about other insurance products until they have a family of their own. For example, few people bother with life insurance as life insurance policies usually pay out a lump sum of cash should the policy holder die. If you’re single, you’re not worried about supporting a spouse or children if you should pass away unexpectedly. Who would you leave the money to?

    Landlord insurance is another insurance product that’s popular with older individuals who have the money to invest in rental property. Landlord insurance covers individuals renting out their property either personally or via a letting agency but you’ll find few 20-somethings who have the money for investment property. Still, it’s an excellent insurance product for anyone who lets.

    Whilst insurance coverage can benefit every individual regardless of age, it is important for young people getting married to review their insurance needs. If the worst should happen, either to yourself or to your residence, you wouldn’t want your family to suffer financially. Insurance is protection from the unexpected and once you get married and have children, you’ll see that the unexpected can happen quite frequently.

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  57. Life insurance policies usually offer protection of various kinds. For example, term life insurance will provide death benefits to an individual during the tenure of the insurance policy, which could be a period between 10 – 30 years. This is especially helpful when you have liabilities like a house mortgage which has to be repaid. However, if you are thinking of the long term and want death benefits for your beneficiaries at all points of time, the permanent life insurance would be helpful. Texas life insurance quotes will allow you to compare insurance rates and the sum assured for different policy. Texas state statutes are also in place to help both insurance providers and the customers. The insurance providers are now aided by regulations to prevent consumer fraud.

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  71. Assigning yourself a retail value while simultaneously imagining your own death, a k a buying life insurance, has to be one of the world’s most miserable experiences. But for one loyal pool of customers living in the housing projects of Brooklyn’s Brownsville and East New York in the ’70s and ’80s, there was a small consolation prize — my grandfather. Potbellied, with a big bulbous nose, brown polyester suit, and the dopiest, toothiest smile, he was the least smarmy life insurance salesman imaginable.Judging by his success, he must have also been one of very few to see poorer people as potential customers. He came to the job somewhat late in life, after 20 years of driving a delivery truck, but he quickly rose to become one of his company’s top salesmen. While most people find the whole idea of life insurance a paranoid’s ultimate exercise in morbidity, for him it was merely about being ready for the worst, but hoping for the best, which in this case was just the worst plus money. I think he saw the world as equally beautiful and chaotic. He was open to whatever came, but he was also prepared for it. As a result, he was the happiest guy I knew.

    He was still working well into his 70s, when my grandmother asked him to move to Connecticut so they could be nearer to their youngest grandchildren. He agreed on one condition: He would live with my mother and me in Queens during the week, so he could keep working in Brooklyn.

    He took the bottom bunk in my room and more than made up for his ridiculously loud snoring by insisting I be allowed to stay up late watching Mets games with him. I was 10 that year he lived with us, before he passed away. And, every once and a while, on days when I had off from school but my mother had to work, he would take me with him to his office in Bay Ridge.

    We’d head off in the mornings in his old Buick, which was an experience all its own. The car was a sun-worn maroon, with the exception of one door panel he had replaced, which was gray. It had cloth seats that were tearing and a felt ceiling that had started to droop, which left these giant bellowed sections of fabric sitting on your head. In the back there were a half-dozen fast food containers scattered atop a row of overflowing cardboard boxes (his “work papers”). And he kept receipts and business cards, hundreds of them lumped together with rubber bands, in the driver’s side visor, the whole mess dangling a hair above his eyes as he drove. Every inch of that car was cluttered, even the ashtray, where he kept a bottle of Old Spice and a mound of loose change. And of course he drove eight million miles an hour, crisscrossing lanes on the Belt Parkway, the two of us in the eye of this tornado of junk.

    Just this once, something unexpected happened. He pulled the car over onto the side of the highway and got out. I didn’t know what was going on or what I was supposed to do, but he came around to my side, swung open the door and shouted, over the roar of the traffic, “Come on, Shrimpy!” So I did.We walked a couple of paces and he stopped and pointed up to the nothing above a giant chain-link fence. I looked in that direction, too, and back at him, and then we waited, the two of us staring straight up into the sky. After what seemed like forever, I saw this tiny yellow thing come hurtling toward us. It landed on the grass and bounced. It was only then that I started looking around, my eyes, scanning the ground in larger and larger concentric circles, growing wider with disbelief. There were tennis balls, everywhere. It was like a minefield of tennis balls!

    In a wink my grandfather dropped down on his hands and knees, stretched out his shirt and started scooping them up. I did the same and then followed him back to the car. He threw open the trunk, and it was filled with tennis balls. We dumped ours on top and got back in the car. At this point I was so excited because he was so excited, and he was so excited because he’d just let me in on this secret tennis ball free-for-all.

    We alone were reaping the rewards of some Parks Department architects’ error, a grave miscalculation of how high a given tennis ball hit at such-and-such miles an hour could go, with the wind gusts in some such direction, and the phase of the moon on a particular Wednesday in autumn in Brooklyn. I mean, I’m sure they had some intricate mathematical formula for all of it, but obviously it was faulty, because the fence was just too short to keep the balls in. And their underestimation was our great benefit.

    To this day I have no idea when or how my grandfather figured out that there were all these tennis balls on this particular shoulder of the highway. And it’s not that he, nor I, nor anyone we knew, played tennis. But should that ever unexpectedly change, thanks to my grandfather, I’ll be prepared

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