What Life Insurance Agents in Texas Don’t Tell You (But I Will)

Let’s be honest—life insurance has a reputation for being confusing, full of fine print, and pushed by agents who care more about their commission than your actual needs.

I’m not that kind of agent.

If you live in Texas and you’re considering life insurance (or already have a policy), here’s what most agents won’t tell you—but I believe you deserve to know.

No fluff. No scare tactics. Just the truth.

1. Your Job’s Life Insurance Probably Isn’t Enough

If you get life insurance through work, that’s great… but it’s usually not enough.

Most employer plans only cover 1x your salary. So if you make $60,000 a year, your family would only get $60,000 if something happened to you.

That won’t cover a mortgage. It won’t pay for college. And if you leave your job? That coverage disappears.

Texans switch jobs more often than ever—and if you wait too long to get personal coverage, health issues might drive your cost way up.

2. You Don’t Need a Million-Dollar Budget

There’s a myth that life insurance is expensive. It’s not.

If you’re in your 20s or 30s, you can get a term policy with hundreds of thousands in coverage for less than $30/month. That’s cheaper than one night of takeout in Austin.

Even in your 40s or 50s, affordable options are still available—especially if you’re in decent health.

The key is applying sooner rather than later. The younger and healthier you are, the lower your rates.

3. You Can Get Coverage Even with Health Conditions

Most people think diabetes, high blood pressure, anxiety, or past medical issues mean automatic rejection.

That’s not true.

There are policies specifically built for people with health histories—and I’ve helped Texans get covered even after being told “no” by online platforms.

If you’ve been declined before, you probably weren’t matched with the right company. Let’s fix that.

4. Some Agents Push the Wrong Policy (Because It Pays Them More)

This is where I get real with you.

Some agents are trained to push whole life insurance no matter what—because it pays the highest commission. And while whole life has its place, it’s not the best fit for most families.

In most cases, term life insurance gives you way more coverage for way less money.

If someone quoted you $300/month for a small whole life policy—but you really just want to protect your mortgage and kids—you’ve been oversold.

You should be able to get a solid term policy for a fraction of that.

5. Not All Life Insurance Has Living Benefits (But It Should)

Living benefits let you access your life insurance money while you’re still alive—if you get diagnosed with cancer, suffer a heart attack, or become chronically ill.

A lot of agents don’t bring this up. Some don’t even understand it.

But in Texas, where medical costs can wipe out a family’s savings in months, this benefit can be a lifesaver.

Always ask if your policy includes critical, chronic, and terminal illness riders. If not, we should talk.

6. You Can Layer Multiple Policies (Smart People Do)

Here’s something smart Texans do that no one talks about:

Instead of buying one giant policy, they layer a few smaller ones.

For example:

• $500,000 for 30 years to protect your home
• $250,000 for 20 years to cover income during your kids’ younger years
• $100,000 permanent policy to leave behind as a legacy

This way, you pay less overall—and your coverage adjusts naturally as your needs change.

7. You Don’t Need to Meet in Person

You don’t have to sit in someone’s office or take a long lunch break to get this done.

You can apply, get quotes, ask questions, and get approved 100% online or by phone. I work with clients across Texas every week—from El Paso to Tyler, Dallas to the Valley.

No pressure. No pushy tactics. Just honest answers and real help.

8. The Sooner You Apply, the More Control You Have

Life insurance is something you buy with your health.

The longer you wait, the more likely you’ll face a health issue that raises your rates—or blocks you from certain types of policies.

Getting covered now locks in lower premiums, gives your family peace of mind, and helps you stay one step ahead.

Final Word

You don’t need to be rich, married, or a parent to get life insurance. You just need to care about someone enough to protect them.

Most agents in Texas won’t tell you half of this. I will—because your trust matters more than a sale.

If you want help figuring out what’s right for you, not what benefits the agent the most—I’ve got you.

Let’s make sure your coverage is actually working for you, not just sitting in a drawer collecting dust.