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Texas Life Insurance Coverage

Life Insurance in Texas

We all want to make sure that our beloved ones are looked after when we are gone. One of the best ways to show them your love and care is to get life insurance that will provide them with financial safety when you are not there anymore. It is a guarantee of permanent stability and security. However, before buying a certain policy, it is good to know what options are available to compare and pick the best one. InsPeak life insurance in Arlington, TX has prepared the list of different types of life insurance available in Texas:

Term Life Insurance

This policy type lasts for a certain number of years (known as term) until it expires. The beneficiaries will receive the assured sum if the policyholder dies before the policy expires. The premiums of term life insurance remain the same and are paid for a specific period of time. This type of policy can be renewed after its expiration.

Permanent Life Insurance

Unlike term life insurance, this policy type provides cash value and is not limited by time. Permanent life insurance includes three different types:

  • Whole Life Insurance. This common type of permanent life insurance is characterized by locked premiums that do not change throughout the policy. The cash value component of this policy is generally tax-free.
  • Universal Life Insurance. This policy type gives a policyholder choice to decide how much of the insurance premiums will go towards the cash value and the policy's death benefit.
  • Variable Life Insurance. This policy gives an opportunity to build cash savings and then offers investment options for the cash you build. It can be characterized as a combination of insurance and investment.

If you are a resident of Texas and you still are not sure which type of life insurance is the best for you, contact InsPeak in Arlington, TX - we will go over the available options and will help you make an informed decision.

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Servicing States

  • Texas
  • Georgia


  • ACCC
  • Alinsco
  • All Risks
  • Gainsco
  • Hiscox
  • Infinity
  • Kemper
  • Progressive