Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites. You can find him on Twitter.

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UPDATED: Sep 6, 2020

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We offer Texas residents life insurance from several of the best TX life insurance companies. Life insurance is very similar from state-to-state, with a few exceptions, so keep that in mind with your Texas life insurance rates.

However, this guide should help you understand the differences in Texas life insurance as well as find resources in your state. We’ll also show you how to get the best life insurance in Texas.

Before we dive into this guide, find affordable Texas life insurance rates by clicking on our FREE quote tool above. Get started now.

Texas Life Insurance Quotes

We offer Texas residents life insurance from several A-rated life insurance companies. Life insurance is very similar from state to state, with a few exceptions. This guide should help you understand the differences as well as find resources in your state.

Policy Cost – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies then approved by the State Insurance Department.

Company Availability – Not all companies are available in every state. For example, if a life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.

Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a child insurance rider on their policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on the life insurance companies in the list below.

Texas life insurance also offers residents a 30-day grace period and a guaranteed death benefit up to $300,000. 

Life Insurance Rates in Texas

Let’s take a look at what the best life insurance companies charge. This will give you an idea of what to expect with Texas life insurance rates. In the first chart below, you’ll notice the average annual rates for non-smokers based on age, marital status, and gender. 

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Now, take a look at the average annual rates for smokers based on age, marital status, and gender. As you can see, Texas life insurance quotes are much higher, presumably because of the higher mortality risk.

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You can also see how many life insurance companies there are in Texas versus the other southern states.

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According to the chart, there are 123 Texas life insurance companies that specifically do business within the state, which means plenty of Texas life insurance policy options for you. Click our free quote tool on this page to find out exactly who will offer you the best Texas life insurance rate.

Texas Guaranty Association

State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of all insurance companies licensed to sell life insurance, health insurance and annuities in the state. If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to defined limits.

In Texas, a life insurance policy is protected up to $300,000. This amount is the maximum benefit provided for any one life. In other words, multiple policies on any one person are limited to this amount.

Texas Life Insurance Contacts

Here is a list of all the necessary state contacts for residents with Texas life insurance claims and other related matters.

Guaranty Association

If you need information about a Texas life insurance or health insurance guaranty, contact the Texas Life & Health Insurance Guaranty Association at 1-512-476-2101 or visit the website.

Insurance Department

For the latest updates from the Texas Department of Insurance, call at 1-855-839-2427 or visit the website. Here, you can access information about all things Texas insurance, i.e., the NLIC of Texas Insurance.

You can also access information about life insurance companies in Texas, such as the Texas Life Insurance Company. Specifically, up-to-date Texas Life Insurance reviews and sources may be available through this official state office.

Additionally, you can contact the company directly by calling the Texas Life Insurance phone number, 1-800-283-9233, for assistance from the Texas Life Insurance customer service department. The company will be able to provide further help with accessing your Texas Life Insurance login, explaining Texas Life Insurance cash values, and even directing you to the Texas Life Insurance policy search.

Legal Info

QuickQuote is licensed to sell life insurance in Texas under Agency License Number 17483.

The licensed company principal is Tim Bain, Agent License Number 1092088.

Texas Life Insurance Companies

American General Life Insurance Company

Banner Life Insurance Company

Fidelity Life Association

Haven Life / MassMutual

John Hancock Life Insurance Company

Lincoln National Life Insurance Company

Metlife Life Insurance Company

North American Company for Life & Health Insurance

Pacific Life & Annuity Company

Principal Life Insurance Company

Protective Life Insurance Company

Pruco Life Insurance Company (Prudential)

Sagicor Life Insurance Company

The Savings Bank Life Insurance Company of Massachusetts (SBLI)

Transamerica Life Insurance Company

United of Omaha Life Insurance Company

Don’t wait — Use our free quote tool to get affordable life insurance rates in Texas. Get started now.