Texas Life Insurance | TX Life Insurance Quotes

Texas life insurance offers residents a 30-day grace period and a guaranteed death benefit up to $300,000. There are 123 Texas life insurance companies operating with their headquarters in TX, which means plenty of local companies to choose from. Learn more about Texas life insurance quotes, companies, and policies here.

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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.

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Dec 23, 2020

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

We offer life insurance quotes from several of the best TX life insurance companies. We created this guide to help you search for a life insurance policy in Texas. With so many companies and policies to choose from, determining what works best for you is a difficult task.

Our guide should reduce that difficulty and help you understand the differences in life insurance, including a few life insurance terms, as well as find resources from reputable life insurance companies in your area.

Think of this article as life insurance customer service — learn everything you need to about finding affordable life insurance quotes by clicking on our FREE quote tool. Get started now.

How can you shop for life insurance? 

We offer Lone Star residents life insurance from several A-rated life insurance companies in the United States. 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 United States 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 the policy holder by clicking on the life insurance companies in the list below.

The state’s insurers also offer residents a 30-day grace period and a guaranteed death benefit up to $300,000.

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How much are life insurance rates? 

Let’s take a look at what the best life insurance companies charge. This will give you an idea of what to expect with 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’s 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 TX versus the other southern states.

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According to the chart, there are 123 life insurance companies in the Lone Star State that specifically do business within the state, which means plenty of life insurance policy options for you.

Use our free quote tool on this page to find out exactly which life insurance companies will offer you the best life insurance ratse.

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Texas Guaranty Association

State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company’s insolvency, or bankruptcy.

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 the state, 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.

Where are some good places to start? 

Below, we have provided a list of all the necessary state contacts for state residents with life insurance claims and other related matters.

It’s also important to check the financial strength ratings and customer service ratings for any insurer you’re interested in. That’s the best way to compare and see how these insurers stack up.

Guaranty Association

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

Insurance Department

The Texas Department of Insurance (TDI) includes all of the general legal information you need to know about all forms of insurance in the state.

Specifically, you can learn more about the state fire marshall in detail, find out information on workers’ compensation, learn how to check your home and auto insurance policy rates, and more.

To contact the Texas Department of Insurance, you can call at 1-855-839-2427 or visit the website.

At QuickQuote, we offer detailed reviews on life insurance companies, including those operating in the state, and we update them regularly based on information from credible sources.

However, should you need more information, the TDI official website also includes information about life insurance companies, such as the TX Life Insurance Company and more.

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What companies offer term life?

Because researching insurance companies is overwhelming, we have compiled a list of reviews for term life insurance companies that meet all requirements and should make your researching process even easier.

Among this list is a review for North American Company for Life & Health Insurance, a life insurance company with affordable rates and plenty of life and health insurance policies to choose from.

The company also offers a variety of riders that you can add to your health or life insurance policy to customize it to best fit you and your beneficiary’s needs.

North American is only one of many great term life insurance companies that offer policies in the Lone Star state.

The best way to widdle down this list is to comparison shop, meaning take the top three companies for you and compare their rates and policies. This will give you an idea of which company will be able to provide the coverage you need at the price you want.

What are the types of life insurance? 

Term life insurance and whole (permanent) life insurance are the two general forms of insurance policies offered by life insurance companies.

Though there are many differences between the two, the main difference between term vs. permanent life insurance is that there is a set rate until death with whole (permanent) life insurance, while you pay for a specific term that expires before death with term life insurance.

As stated above, there are several insurance companies that sell term life insurance in the state. Among these companies are Lincoln Financial Group, Haven Life/MassMutual Life Insurance, John Hancock Life Insurance Company, and more.

Don’t wait to get started. If you’re ready to buy life insurance, use our free quote tool to get instant, affordable Texas life insurance quotes.

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Top Life Insurance Companies by Non-Smoking Status, Age, Marital Status & Gender
Top Life Insurance Companies by Smoking Status, Age, Marital Status & Gender
Domestic Life Insurance Companies by State, South USA
Top Life Insurance Companies by Non-Smoking Status, Age, Marital Status & Gender
Top Life Insurance Companies by Smoking Status, Age, Marital Status & Gender
Domestic Life Insurance Companies by State, South USA