Life Insurance in Fredericksburg, 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.
8 life insurance agencies in Fredericksburg
Within 15 miles of Fredericksburg, TX. Click any agency to view profile, contact info, and request a quote.
Garrett Insurance Agency, LLC
Garrett Independent Insurance Agency is a family‑owned, independent insurance agency with locations in Texas and Kansas. For over 100 years it has provided commercial and personal insurance solutions to individuals, families, farmers, and businesses, emphasizing integrity, accountability and honesty.
Inszone Insurance Services
Bierschwale-Rees Insurance is an independent agency that has served Gillespie County and the wider Texas area for over 100 years, offering personal and commercial insurance solutions. They provide a range of coverages from auto and homeowners to commercial property and farm & ranch policies.
Farmers Insurance - Sterling Blocker
Farmers Insurance offers auto, home, renters, and life insurance options through this agent locator page.
New York Life
New York Life is the largest mutual insurer in the United States, offering life insurance, long‑term care, disability, investment, retirement and advisory services. With over 12,000 agents and advisors, they provide personalized financial guidance and have been operating since 1845.
The Insurance Associates
The Insurance Associates provides individualized insurance solutions in Fredericksburg, Texas, specializing in health, Medicare, life, dental, vision, and disability coverage. Their agents work with both individual and group clients to tailor plans that fit specific needs.
Billy Johnson - State Farm Insurance Agent
Billy Johnson is a State Farm insurance agent in Fredericksburg, Texas, offering auto, homeowners, renters, life, motorcycle and boat insurance, as well as personal and business coverage. The agency has been serving the community since 1980 and provides 24‑hour after‑hours service by appointment.
Nationwide Insurance: The May Group LLC
Leavitt Group Texas Select is an independent insurance agency affiliated with Nationwide, offering auto, home, life, and small business coverage to clients in Fredericksburg, TX. The agency helps customers review and bundle policies to suit their changing needs.
Farmers Insurance - Jeff Longino
Licensed insurance agency in Fredericksburg, TX; represents 1 carrier.
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.