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By providing this information, you’re letting us know that it’s okay to contact you about this quote.  If you do not want to provide this information, please call 512-436-3785 to get a quote.

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Get the answers you’re looking for in Life Insurance.

How much does life insurance cost?

When setting your rate, each life insurance company weighs factors like your health, lifestyle, and driving record differently. Some are more lenient than others, so we must compare quotes from several insurers. Most life insurance companies require a medical exam before you can get coverage.

Are Life Insurance Policies taxable?

Life insurance death benefits are almost always income-tax-free.

Who needs life insurance?

In general, people need life insurance if their death would place a financial burden on others. Examples include breadwinners, parents, homeowners, business owners, and people with a co-signed debt.

How much life insurance do I need?

When calculating your coverage needs, consider your current finances and future obligations, such as income, debts, and daily expenses. Ten times your annual income is a standard estimate, but rules like this are not universal and may not reflect your specific situation.

What do I need to apply for life insurance?

When applying for a life insurance policy, you’ll likely need to provide information to the insurance company about your health and may have to complete an in-person medical exam. You may also be required to submit details on your lifestyle, hobbies, beneficiaries, and family’s medical history.

Which is better: term or whole life?

Cost and coverage length are the two most significant factors to consider when choosing between term and whole life. Term life is sufficient for most people. It lasts a specific number of years and is typically cheaper than permanent life insurance. However, depending on your needs, you may want a permanent policy, such as whole life, that covers you for your entire life and comes with a cash value growth.

Common life insurance terms

You might come across these terms when you’re shopping from a variety of insurance company. Here’s what they mean.

Beneficiary: The person or people you select to get the life insurance payout when you die.

Carrier: Another name for an insurance company.

Cash value: Permanent life insurance policies typically have an investment portion that increases in value over time. This is known as the cash-value account, and once you’ve accumulated enough cash value, you may be able to borrow against your policy.

Death benefit: The amount of money the insurer will pay out to your beneficiaries, generally tax-free when you die.

Dividend: Some insurers are mutual companies, which means their policyholders partly own them. They may pay out a sum of money to some policyholders each year based on the company’s financial performance. These payments are dividends.

Exclusions: The circumstances in which your life insurance policy won’t pay out, such as death from a risky activity like skydiving. Exclusions vary among insurers and are listed in the policy documents.

Face value: The primary death benefit of the policy. For example, if you purchase a $500,000 policy, its face value is $500,000.

Policyholder: The person who owns the life insurance policy.

Premium: The amount of money you’ll pay to keep your life insurance policy active. With most policies, you have the option to pay monthly, quarterly, semiannually, or annually.

Rider: A life insurance rider is an optional add-on that allows you to customize your coverage.

Underwriting: The process an insurer uses to gather information about you and set your life insurance rate.