Life Insurance in Houston, 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.
Life insurance in Houston, TX: 24 licensed insurance agencies serve 2,390,125 residents in Harris County. auto premiums average $3,150 per year — 28% above the Texas state average. hurricane + hail drives 38% of homeowner claims.
24 life insurance agencies in Houston
Within 15 miles of Houston, 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.
L.A. Insurance is an affordable insurance company, serving clients across the USA for over 33 years. We offer protection for your cars, boats, motorcycles, RVs, and business vehicles based on your needs, to bring you ultimate peace of mind.
Avalon Insurance Agency is an award‑winning independent agency in Houston, Texas offering a range of personal and commercial insurance products. Since 2006 they provide auto, home, umbrella, flood, renters, landlord, RV/motorcycle, commercial and life insurance with a focus on personalized service.
L.A. Insurance is an affordable insurance agency that has been serving clients across the USA for over 33 years. It offers a range of insurance products including auto, motorcycle, boat, renters, commercial auto and life insurance at low rates.
L.A. Insurance is an affordable insurance agency that has been serving clients across the USA for over 33 years. It offers low‑cost coverage for auto, motorcycle, boat, RV, renters and life insurance, providing flexible payment options and quick policy activation.
Farris Benefit Group is an insurance agency based in Houston, TX that provides affordable health, life, and Medicare insurance solutions for companies, families, and individuals.
L.A. Insurance is an affordable insurance company serving clients across the USA for over 33 years. It offers auto, motorcycle, boat, renters, RV, and life insurance with low down payments and flexible payment plans.
Bello Insurance Services is a Texas‑based agency that provides auto, homeowners, life, health and business insurance solutions. The company emphasizes personalized service, price comparison across multiple carriers and a high customer‑satisfaction rate.
Freeway Insurance offers a wide range of insurance products, supporting customers in all 50 U.S. states. The site provides options for auto, homeowners, renters, life, motorcycle, boat, and commercial coverage among others.
Licensed insurance agency in Houston, TX; represents 6 carriers.
L.A. Insurance is an affordable insurance agency that has served clients across the United States for over 33 years, offering low‑cost coverage for vehicles, boats, motorcycles, RVs and businesses. The agency emphasizes flexible payment plans, maximum coverage and personalized support from local agents.
Freeway Insurance is a nationwide insurer that supports all insurance needs across the 50 U.S. states. They offer a variety of products including auto, homeowners, renters, life, motorcycle and boat insurance.
AIT Insurance is a Texas‑based agency offering a wide range of personal and commercial insurance solutions, emphasizing affordable and reliable coverage. They serve individuals and businesses with products such as auto, home, renters, life, and various liability options. Their focus is on helping clients protect what matters most.
Real Insurance for Real People. Affordable auto, home, and business insurance protecting what matters most to you.
Amtex Insurance provides affordable auto, home, and business insurance for Texas residents, emphasizing personal service and quick coverage. With over 25 years of experience, the agency highlights its local agents, multiple carrier options, and a commitment to community involvement.
Altivo Insurance is a Houston‑based agency partnering with Goosehead to embed insurance into real estate transactions, offering a broad range of personal and commercial coverage options.
Hispano Americano Insurance has served the Houston community for over 30 years, offering personal service and immediate coverage across auto, home, life, and commercial insurance lines.
Freeway can support all your insurance needs in all 50 U.S. States.
We are in the business of helping people by shopping insurance policies with multiple top‑rated carriers. As a highly respected agency in the greater Houston area we serve total insurance needs including life, home, auto, commercial and financial services.
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.
Stephen W. Herbert & Company is a Houston‑based independent insurance brokerage specializing in health, life, Medicare and small‑group coverage. Founded in 1981, the agency leverages over 30 years of experience to help individuals, families and small businesses find affordable health insurance solutions across Texas.
Freeway Insurance offers a range of insurance products, including auto, homeowners, renters, life, motorcycle, and boat coverage, and provides online quotes and phone assistance across all 50 U.S. states.
Freeway can support all your insurance needs in all 50 U.S. States.
Bridgette Emanuel State Farm is a Texas‑based insurance agency offering a range of personal and commercial insurance products. The agency serves the Houston area and the wider Texas market, providing auto, homeowners, renters, life, motorcycle, and boat insurance among others. The agent has been affiliated with State Farm since 1994.
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.