Life Insurance in Lubbock, 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 Lubbock, TX: 19 licensed insurance agencies serve 266,878 residents in Lubbock County. auto premiums average $1,780 per year — 2% below the Texas state average.
19 life insurance agencies in Lubbock
Within 15 miles of Lubbock, 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.
William Smith opened the Farmers Insurance – William Smith Agency in 2024 to provide clear, local guidance across Texas. He helps clients understand options for auto, home, life, renters, and business coverage and choose the right plans.
Direct Auto agency located inside Walmart in Lubbock, TX offering car insurance, term life insurance, roadside assistance, SR‑22 filing and collision coverage with flexible payment options.
Welcome to West Texas Insurance Agency! We are a multi-line agency offering competitive personal and commercial coverage throughout Texas. Our agency is staffed by proven insurance professionals committed to providing our clients with highly personalized service. Starting modestly as an insurance company in 1995, we have continued to deliver integrated insurance policies and today, we are recognized as a giant in the Texas insurance industry.
LSM Insurance Agency in Lubbock, Texas offers personal and commercial insurance solutions, comparing hundreds of carriers to find the best coverage and price. They provide auto, home, life, renters, and business insurance with a focus on integrity and client care.
Acceptance Insurance provides a wide range of insurance products including auto, homeowners, renters, life, motorcycle, and boat coverage, as well as business and health insurance options.
Licensed insurance agency in Lubbock, TX; represents 6 carriers.
Freeway Insurance offers a variety of insurance products such as auto, homeowners, renters, motorcycle, boat, and life coverage, and serves customers across all 50 U.S. states.
Hettler Insurance Agency in Lubbock, Texas provides auto, home, business, life, and health insurance with personalized service. With over 30 years in business they offer a wide range of coverage options and work with multiple carriers to find the best policies for clients.
Licensed insurance agency in Lubbock, TX. Contact directly for available products and carriers.
Licensed insurance agency in Lubbock, TX. Contact directly for available products and carriers.
Bledsoe Insurance is an independent agency located in Lubbock, TX offering residential, commercial and life insurance solutions with affordable rates and personalized service. Since 1975 they have helped West Texas families and businesses protect their homes, vehicles and businesses through a variety of carriers.
The Jonathan Shaw Agency is a Texas-based insurance agency offering a range of personal and business insurance products. Their dedicated team focuses on personalized service, helping families and businesses choose appropriate coverage.
Direct Auto is a car insurance agency located at 6315 82nd St inside Walmart in Lubbock, Texas. They offer flexible payment options and a variety of insurance products such as auto, term life, roadside assistance, SR‑22, DynamicDrive and collision coverage.
Ana Borrego is a State Farm agent serving Lubbock, Texas since 2014, offering auto, home, life and other insurance products. She and her team provide personalized service and speak both English and Spanish.
Javier Moreno is an Allstate insurance agent in Lubbock, TX who enjoys building relationships with local families and helping them find insurance solutions that fit their lifestyle and budget. He offers a wide variety of coverage options, including auto, home, renters, motorcycle, life, and boat insurance, and is committed to assisting residents with both immediate and long‑term insurance needs.
Jacob Montoya Insurance is an independent agency offering employee benefits, workers compensation, Medicare, life insurance and other health‑related plans across TX, NM, CO, OK and CA.
Licensed insurance agency in Lubbock, TX; represents 1 carrier.
Progressive Insurance is a leading U.S. insurer founded in 1937, offering a wide range of products from auto and homeowners to life, motorcycle, and commercial coverage. The site highlights extensive discounts, 24/7 support, and a focus on personalized, technology‑driven service.
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.