Life Insurance can help protect your family and is an
excellent way to accumulate money for college,
retirement or unplanned expenses. A person should
have life insurance that approaches six to eight times
their annual gross income. Under current laws, there is
generally no federal income tax on death benefits paid
to a named beneficiary.
Using the strength and experience of our life insurance
markets, we offer affordable term life, whole life, and
universal life insurance policies.
Life insurance coverage for a specified length of time. A term life insurance
policy is usually purchased with a particular need in mind. Beneficiaries will
collect, usually tax free, the face value of the policy upon the insured (your)
death. Term life is attractive for those with a limited income, high short term
insurance needs, or for personal family protection.
If the insured survives the time period, the policy expires. There is no cash
value at the expiration of a term life insurance policy. Some policies have a
convertible feature permitting a policyowner to exchange a term policy for a
cash value policy without evidence of insurability.
Level Term Life Insurance Policy Features
A constant death benefit and a level premium for a
specified number of years. We offer 10, 15, 20, and 30
year terms.
Decreasing Term Life Insurance Policy Features
Has a decreasing death benefit and a level premium.
Click on the link below to fill out a quote request form for a Term Life
Insurance policy that will provide excellent life insurance coverage at an
affordable cost. Or speak with our Term Life Insurance agent specialist toll
free at (800) 747-6140 to discuss the insurance features in more detail.
We are a Sugar Land, TX insurance agency offering affordable Texas life
insurance policy premiums in the following towns, cities and counties in
southeast Texas: Meadows, Town West, Four Corners, Crabb, Booth,
Thompsons, Fresno, Manvel, Pleak, Kendleton, Eagle Lake, Sandy Point,
Beasley, Rosenberg, Richmond, Orchard, Fulshear, Juliff, Arcola, Needville,
Frydek, Rosharon, Bonney, East Bernard, Lissie, Elm Grove, Spanish Camp,
Wharton, Guy, Bellville, Wallis, Pasadena, Deer Park, Houston, Pearland,
Galena Park, Jacinto City, La Porte, Bellaire, West University Place, Cloverleaf,
Beaumont Place, Spring Valley, South Houston, Iowa Colony, Hilshire Village,
Humble, Houmont Park, Friendswood, League City, Alvin, Mission Bend,
Stafford, Missouri City, Texas City, Webster, Dickinson, Baytown, Channelview,
Highlands, Seabrook, Bacliff, La Marque, Jersey Village, Lake Jackson, Surfside
Beach, Algoa, Santa Fe, Barker, Katy, Sealy, Dayton, Angleton, Freeport,
Bammel, Kohrville, Bay City, Brenham, Addicks, Brookshire, San Felipe,
Hockley, Waller, Prairie View, New Caney, Beach City, Nassau Bay, North
Houston, Hempstead, Tomball, The Woodlands, Burr, Iago, Boling, Peters, Cat
Spring, Burleigh, Waller County, Wharton County, Brazoria County, Harris
County, and Fort Bend County, TX. We can also offer affordable Texas life
insurance policy premiums throughout the Lone Star state, including in
Beaumont, Austin, Waco, Fort Worth, Dallas, and San Antonio, TX.
Click on one below to learn more!
The most popular choice for those seeking to cover permanent needs,
such as contributing to a survivor's nest egg, paying off final expenses,
etc. Whole life insurance provides permanent, lifelong insurance
coverage. The benefit amount remains the same and is payable to the
beneficiary(s) at the time of the insured's (your) death. It also offers an
opportunity to build cash value, so you can take a loan on your policy to
fund major purchases or to provide for unexpected costs.
Whole life insurance has a fixed premium and a level death benefit to
age 100. The premiums don't increase with age, which averages the
cost of the policy over your life. The cash value increases with time until
it equals the death benefit at age 100. This type of policy never has to be
renewed or converted. The cash value is an amount of money that you
are guaranteed to receive in the event of policy cancellation.
Variations of Whole Life Insurance include:
Modified Premium - lower fixed premium for the first 3 or 5 years, and
then premiums increase. These policies work well for individuals that
expect to improve their financial condition in the near future.

Graded Premium - premium increases each year for the first 5 years,
and then is fixed.
1. premium costs may make it difficult to buy enough
2. need to carry a whole life policy for a considerable length of time to be
very beneficial
3. cash value may be less than your face value
4. cannot vary your monthly premium payment and the premium-paying
period may be lengthy
5. amount of coverage cannot be increased at a later date
Advantages of Whole Life Insurance
1. guaranteed protection for life
2. level death benefit that is generally tax-free
3. premiums do not increase in correlation with your age
4. cash may accumulate tax-deferred
Disadvantages of Whole Life Insurance
Click on the link below to fill out a secure quote request form for a Whole
Life Insurance policy that will provide excellent life insurance coverage at
an affordable cost. Or speak with our Whole Life Insurance agent
specialist toll free at (800) 747-6140 to discuss the features.
A flexible premium policy that combines protection against premature
death with a savings account that typically earns a money market rate of
interest. A universal life insurance policy is a combination of term life
insurance protection with the cash savings value of whole life insurance.
Interest rates paid on the cash value are typically higher than with whole
life insurance because they tend to follow the markets.
Premiums for universal life insurance policies can be paid in a lump sum,
annually, or anywhere in between. Interest on the cash value is usually
guaranteed, but will vary according to the investment performance. Each
month deductions are made from the cash value fund to support the
costs of the insurance protection. As long as the cash value is substantial
enough to maintain the monthly costs, the policy will remain in force.
Typically the death benefit reduces in proportion to the increase in cash
value, thus causing a level death benefit.
**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed insurance
Click on the link below to fill out a secure quote request form for a
Universal Life Insurance policy that will provide excellent life insurance
coverage at an affordable cost. Or speak with one of our Life Insurance
agent specialist toll free at (800) 747-6140 to discuss the features.
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Texans Insurance
& Financial Group
101 Southwestern Blvd.
Suite 230
Sugar Land, Texas 77478
Fort Bend County, TX
Office: (281) 277-7800
Toll Free: (800) 747-6140
Fax: (281) 277-7801

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