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Life Insurance

Life Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Life Insurance Information

Life Insurance - Term Life or Permanent Insurance? Which Option is Best For You?

Complete our quote form above or call and speak to one of our experienced agents at 877-747-6779 and let us help you determine whether term life insurance or permanent life insurance is better for your needs and budget.

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance
This type of life insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

Permanent insurance

In contrast to term life insurance, permanent or whole life insurance provides lifelong protection as long as you pay the premiums, and no loans, withdrawals or surrenders are taken. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional. 

Insuring residents in: The Woodlands, Spring, Houston, Montgomery, Conroe, Magnolia, Katy, Kingwood, Humble, Austin, Dallas, Fort Worth, Pflugerville, All of Texas.

We represent Mass Mutual and Banner Life to bring you the best coverage and the best rates.

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