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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