Life insurance by state · TX
Life insurance in Texas
What Texas law gives you, which carriers quote in Texas, and how to get covered — from an independent agency licensed in Texas.
The short answer
Texas residents can choose from 11 final expense and 15 term life carriers we work with that quote in Texas. New policies typically come with a 10-day free look, and the state guaranty association backs life insurance death benefits up to $300,000.
Your protections in Texas
| Regulator | Texas Department of Insurance |
|---|---|
| Free-look period | Typically at least 10 days · 30 days for replacement policies (Tex. Ins. Code § 1114.053(e)) |
| Guaranty association | Texas Life & Health Insurance Guaranty Association: up to $300,000 death benefit, $100,000 cash value (overall per-person cap applies) |
| Community property state | Yes |
| State estate / inheritance tax | Estate tax: no · Inheritance tax: no |
Good to know in Texas
- Texas law requires life policies to settle death claims within two months after the insurer receives proof of death and of the claimant's right to the money (Tex. Ins. Code § 1101.011), and § 1103.104 requires interest from the date the insurer receives proof of loss until it accepts the claim and offers payment. Source
- Prepaid funeral contracts in Texas are regulated by the Texas Department of Banking, not TDI; sellers must hold a Department of Banking permit (Tex. Fin. Code ch. 154), and consumers can check a seller with the Department's permit-holder search. Source
Carriers we work with that quote in Texas
Final expense / burial: Aetna · American Amicable · American Home Life · Americo · Fidelity · Foresters · Mutual of Omaha · NewBridge · Royal Neighbors · Transamerica · UHL
Term life: American Amicable · Americo · Catholic Financial · Foresters · InstaBrain · John Hancock · Kansas City Life · Mutual of Omaha · National Life Group · Primerica · Protective · Royal Neighbors · SBLI · Transamerica · UHL
From our quoting system’s Texas results (September 2026). Product availability and rules vary by carrier and change over time.
How to get covered in Texas
- Figure out how much you need — final expense calculator or mortgage protection calculator.
- See typical prices by age — life insurance cost by age.
- Tell us your health history — we match you to the Texas carrier most likely to approve you at the best price (condition guides).
- Apply by phone with an e-signature — many decisions are instant or same-day.
Licensed in Texas. Compare dozens of carriers in one free call — no pressure.
Get my quotes → Call 586-343-1505Sources: Regulator · Guaranty association · Free-look rule · Estate/inheritance tax
Straight answers
Life insurance in Texas — FAQ
How long is the free-look period for life insurance in Texas?
New individual life insurance policies sold in Texas typically give you at least 10 days to review the policy and cancel for a full refund (30 days for replacement policies (Tex. Ins. Code § 1114.053(e))). The exact window is printed on your policy’s first page.
What happens to my life insurance if the company fails in Texas?
The Texas Life & Health Insurance Guaranty Association protects Texas residents up to $300,000 in life insurance death benefits and $100,000 in cash value, subject to an overall per-person cap. It’s a backstop — choosing a financially strong carrier still matters.
Who regulates life insurance in Texas?
The Texas Department of Insurance. You can verify an agent’s license or file a complaint with them.
Can I buy life insurance in Texas by phone?
Yes. United Eagles Financial is licensed for life insurance in Texas; most applications are done by phone or video with an electronic signature.
Does Texas community property law affect life insurance?
It can. Texas is a community-property state, so a policy bought with marital funds may be partly a spouse’s property — which can matter if you name someone other than your spouse as beneficiary. Ask an attorney if that applies to you.