Texas Life Insurance

Texas Life Insurance

When it comes to life insurance, you need to make sure you get the best policy and premium rates.

There are many companies in Texas that offer life insurance plans of differing complexity and price points. At Dagley Insurance & Financial Services, our goal is to simplify the process of choosing life insurance and to then offer the best rates. We don’t want you to spend a lot of money on a policy that is ineffective, expensive, and overly complex.

Many people wait until they are approaching retirement before they start thinking about life insurance. In reality, if you have anyone depending on you for financial support you should have a life insurance policy. In TX, people usually buy life insurance to provide for a spouse, dependent child, or other family member.

There are several types of life insurance that you can purchase from Dagley Insurance & Financial Services. Some of the more common policies are:

  • Whole life insurance – a policy that remains in force for your entire life or until the policy is cashed in.
  • Term life insurance – coverage lasts for a specific period of time or until you reach a certain age. The cost of term life increases as you get older.
  • Cash value life insurance – a policy with a savings component that grows over time and may be withdrawn, invested, or borrowed against.

You should consider your financial circumstances and the quality of life you want your dependents to have when deciding whether to buy life insurance. The process is not easy, but our agents can walk you through each type of policy and explain them in plain terms. In the end you will have peace-of-mind knowing your loved ones will be taken care of when you die. Give us a call today to find out what type of policy is right for you.