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Texas Life Insurance

Do I Need Life Insurance In Texas?

Texas Life Insurance for many people is not something that most people want to talk about. It does deal with personal mortality and coming to the realization that you or a loved one could pass away unexpectedly.  The problem lies in that Texas Life Insurance is one of the biggest decisions a person can make in providing for his/ her dependents. A recent Bankrate survey showed that 18% of Americans could live off of their savings for 6 months. That is a scary number and if you are in the fortunate 18% how long could you sustain your lifestyle after those 6 months?

ConXis Insurance Services understands that this is a delicate subject. We also understand that your needs change as you progress through life. Our agents will find you the right coverage and position you for a cost-effective Texas Life Insurance plan.

Are all Texas Life Insurance Polices The Same?

Not all Texas Life Insurance policies are the same. the one thing that they do have in common is that they each pay a death benefit.  There are three primary types of life insurance policy Term Life, Universal Life, and Whole Life.

  • Term life insurance, also known as pure life insurance, is a type of life insurance that guarantees payment of a stated death benefit if the covered person dies during a specified term.
  • Universal life insurance (UL) is a type of cash value life insurance, Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy, which is credited each month with interest.
  • Whole life insurance (WL) is insurance for life and covers you for as long as you live (as long as premiums are paid on time), at a locked-in rate that won’t increase as you age or if your health status changes.
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What Our Clients Say

Some kind words from our respected clients


“Chris has handled both my personal and business insurance needs in both a timely and professional manner.   He’s easily accessible and very responsive.  I’ve referred business customers of mine to him and he’s treated them the same way he did me.  I would highly recommend Chris for all your insurance needs.”

Steve Jones-  SRJ Financial


“Appointing Chris as our broker to all of our policies has been a key decision in our business. We’ve worked with multiple brokers over the last 13 years and Chris has been great to work with. Chris has spent time to ensure we, as his clients, understand what the policy entails and does/ does/not cover in order to make the most educated decisions for our business.  Chris cares about our business and for creating a long-term relationship with us, he has explained our workers compensation insurance and MOD impact like no one else has. We cannot thank Chris Enough for everything he has brought to our business.”

Mary Arcila- Servpro Yorba Linda/Brea


“Great all-around Insurance agent!!! Very efficient and good with communication. Takes time to listen to the client and make sure they not only have the best price, but that they have the proper coverage for when you need the insurance. My family and I know we are safe and protected with Chris”

Chris Stearns