Frequently Asked Questions (FAQ)

Welcome to the YourTexasPolicy.com help center. Can’t find your answer? Click the live-chat icon in the bottom right corner to start a conversation anytime—no phone call required.

1. Getting Started

Q: How do I request a free life-insurance quote?
A: Simply click the live-chat widget in the corner and type “Quote.” I’ll gather a few details—age, gender, coverage amount—and send you personalized options right away.

Q: Do I need to talk on the phone to start an application?
A: Nope. Our chat lets you start your application instantly. Just ask “Start application,” and I’ll guide you through each step. If you prefer a call later on, we can schedule one at your convenience.

2. Coverage Basics

Q: What types of life insurance do you offer?
A: I compare term, whole, and universal life products from top-rated carriers. We’ll discuss the pros and cons of each so you can choose what fits your budget and goals.

Q: How much coverage do I really need?
A: Coverage needs vary. As a rule of thumb, many Texans aim for 7–10× their annual income. But factors like debt, future education costs, and family size also matter. Chat with me for a quick needs analysis.

3. Pricing & Discounts

Q: Why do quotes differ between carriers?
A: Underwriting guidelines vary by insurer. Health history, lifestyle factors, and even carrier-specific criteria can affect pricing. I’ll show side-by-side comparisons so you see the true differences.

Q: Are there ways to lower my premium?
A: Yes—common discounts include preferred health status, non-tobacco use, and electronic payment setup. Ask me which carriers offer your best savings, and we’ll factor that into your quote.

4. Application Process

Q: What’s involved in the application?
A: You’ll answer health and lifestyle questions online. Some carriers require a simple medical exam (at your home or office) once underwriting starts. I’ll coordinate everything—no guesswork for you.

Q: How long does approval take?
A: Many term policies issue within 2–4 weeks. Faster-issue options can be as quick as 1–7 days if you qualify. I’ll keep you updated via text at every milestone.

5. After Your Policy Issues

Q: How do I see my policy documents?
A: Once your policy is issued, I’ll email you a PDF. You can also access documents through a secure client portal.

Q: Can I make changes later?
A: Absolutely. Whether you need to update a beneficiary, convert term to permanent coverage, or adjust your payment method, just ping me in live chat and we’ll take care of it.

6. Privacy & Security

Q: Is my personal information safe?
A: Yes. We use industry-standard encryption (SSL/TLS) and never share your data except with your permission or as required to service your policy (e.g., carrier underwriting).

Q: Do you sell my information to third parties?
A: No. We do not sell or rent your personal data. See our full Privacy Policy for details.

Still have questions?
Click the chat icon and type your question—I'm here to help you find peace of mind, pressure-free.