Life Insurance in Baytown, TX
Life insurance pays a death benefit to your designated beneficiaries if you pass away during the policy term. Term life is typically the most affordable for healthy buyers in Texas; permanent (whole, universal, indexed) builds cash value but costs more. Most agents will run a needs analysis to size the policy.
24 life insurance agencies in Baytown
Within 15 miles of Baytown, TX. Click any agency to view profile, contact info, and request a quote.
Libertas Insurance (Libertas Group, LLC) is an independent insurance agency headquartered in Waco, Texas, with a second office in Austin, serving individuals, families, and businesses across the state. As an independent agency, Libertas isn't tied to a single carrier — it compares multiple companies to fit each client's needs across personal lines (auto, home, life, umbrella, flood, boat, and motorcycle) and a full range of commercial coverage, including general liability, commercial property, workers' compensation, commercial auto, professional liability, cyber, and trucking. Led by owner Kyle Kriegel, the agency emphasizes clear, personalized guidance — "Clear & Simple Insurance" — with free no-obligation policy reviews, online comparative quotes, and 24/7 claims support through a modern client portal.
Trevco Insurance is an independent agency serving the state of Texas since 1990, offering personal and commercial insurance solutions. They provide a range of products including auto, home, life, and commercial property coverage, with a focus on tailored service for individuals and businesses.
Licensed insurance agency in Baytown, TX; represents 15 carriers.
Freeway Insurance Baytown Texas is a local branch of Freeway Insurance, offering a range of insurance products such as auto, homeowners, renters, life, motorcycle and boat coverage across the United States.
TWFG Ratliff Insurance is an independent, family‑run agency offering a range of personal and commercial insurance solutions. They provide auto, home, renters, life, retirement, and other coverage options to individuals and families. The agency emphasizes caring service and works with multiple carriers to find the right policy.
Paul Wankowicz State Farm is a local neighborhood agency in Baytown, Texas, founded in 2004. The agency offers personalized insurance solutions and community involvement, emphasizing service for auto, home, renters, life, motorcycle and boat coverage. Paul and his bilingual team are committed to helping customers protect what matters most.
Texan Insurance is a full‑service, family‑owned independent insurance agency in Crosby, Texas, serving families and businesses with personalized coverage options across home, auto, flood, umbrella, renters, life, and commercial lines. The agency continues the legacy of the former Marek Insurance and partners with over 40 top‑rated carriers.
Sapp Insurance Agency is an Allstate agency located in Baytown, Texas, serving the community since 1971. The family‑owned office offers a range of personal insurance products and emphasizes personalized, bilingual service.
LA Insurance offers low‑down‑payment, affordable coverage across multiple lines including auto, motorcycle, renters, boat, commercial auto and life insurance. They emphasize quick online quotes, flexible payment plans, and a strong local presence with over 33 years of experience.
Randy Casey is a State Farm agent serving Baytown, Texas since 2008, offering a range of insurance products such as auto, homeowners, renters, life, boat and motorcycle coverage. His multilingual team (English, Spanish, Vietnamese) provides personalized service and is active in the local community.
Harlan Insurance Agency, founded in 2004 by Bruce Harlan, is an independent agency serving Greater Houston. They provide personalized insurance solutions for individuals and businesses, focusing on home, auto, life, flood, commercial and specialty coverages. With over 20 years of experience they partner with top‑rated carriers to offer competitive options.
Renee Thibodeaux is a State Farm agent in Baytown, Texas serving Texas and Louisiana since 2009, offering a range of insurance products and personal service in English and Spanish.
Freeway Insurance offers a wide range of insurance products through its network of retail stores across the United States. The Highlands, Texas location provides auto, homeowners, renters, life, motorcycle and boat coverage, and can be contacted for quotes by phone.
Ed Martinez is an Allstate insurance agent serving Baytown, TX. He offers a range of products including auto, homeowners, renters, motorcycle, boat and life insurance, and his staff can assist customers in both English and Spanish. Martinez has been with Allstate since 2000 and became a licensed agent in 2016.
Jenny Montes is a State Farm insurance agent serving Baytown, Texas, and surrounding areas. She and her team provide English and Spanish service, offering a range of personal and business insurance products. The agency emphasizes community involvement and personalized customer care.
Harris County Insurance is an independent agency serving Houston, Baytown, and Pasadena, Texas. They shop multiple carriers to provide personalized quotes for auto, home, boat, motorcycle, and other personal and commercial lines. The agency emphasizes experience and a one‑stop shop for insurance needs.
Jeff Brabham Agency Inc is a local Allstate agency in Baytown, TX, operating since 1985. The agency offers auto, home and life insurance and serves the community in both English and Spanish. Jeff Brabham, the owner since 2011, emphasizes personalized service and community involvement.
Southern Group is an independent insurance agency in Pasadena, Texas offering flexible coverage across auto, home, flood, business, and life insurance. They shop multiple carriers to find the best cost and coverage combination and emphasize quick quoting, personal service, and claims advocacy.
Licensed insurance agency in Baytown, TX; represents 1 carrier.
Allstate agents in Texas provide auto, home, and life insurance coverage, helping customers find local agents throughout the state.
As one of the nation’s largest insurance providers, Nationwide works with licensed agencies across the United States to service Auto, Home, Life, Small Business and other personal and commercial insurance needs. Independent agents can offer a Nationwide On Your Side® Review to identify discounts and coverage options.
Licensed insurance agency in Baytown, TX; represents 1 carrier.
Pedro Garcia is a licensed Farmers Insurance agent serving La Porte, Texas. He offers a variety of personal insurance options including auto, home, renters, and life coverage through Farmers Insurance.
Raised in La Porte, as a product of La Porte schools, using my 30 years of insurance experience to earn the business of local families. We work to help make your insurance fit your life and your budget. When I'm not in my office you can likely find me volunteering in local schools, service organizations, or hiking in the mountains.
Frequently asked questions
How much life insurance do I need?
A common rule is 10-12x your annual income, plus enough to cover specific obligations like a mortgage, college costs, and final expenses. An agent can run a personalized needs analysis at no cost.
Term vs whole life -- what's the difference?
Term life covers a set period (10/20/30 years) and is the most affordable. Whole/universal life lasts your lifetime and accumulates cash value, but premiums can be 5-10x higher. For most consumers, term + investing the difference comes out ahead.
Do I need a medical exam?
Many term policies under $500K require only a health questionnaire. Larger policies and permanent products often require a paramedical exam (basic blood draw + measurements). Some no-exam products exist but cost more for the same coverage.