Life Insurance - For The Entire Family

Life Insurance can be intimidating for some clients.  Whether you need a policy or just want to review your current policy, we are here to talk with you and help you find the best option.

Peace of Mind - It's the feeling you have when you know that no matter what happens to you, your family will be take care of.  Are you covered?

If someone depends on you financially, chances are you need life insurance.  Life insurance provides cash to your family after your death. This cash (known as the death benefit) replaces your income and can help your family meet many important financial needs like daily living expenses, mortgage payments and college savings. What’s more, in many cases, there is no federal income tax on life insurance benefits.  Owning life insurance can provide an added sense of security for the insured and beneficiaries. Buying life insurance is all about peace of mind for your family and how you’re able to provide it.   Designed with your needs in mind, we can help you find insurance products that will make sure that your family or business is adequately protected.

Traditional Life Insurance:

When shopping for life insurance, it is important to ensure that your insurance agent searches the entire market to find the appropriate plan and rates for you and your family or business. Representing over 200 of the nation’s top rated carriers (including Mass Mutual, Lincoln Financial Group, John Hancock, Principal Financial Group, Prudential, Protective, Paclife and Symetra among many others), we have you covered.  Whether you are looking for simple term coverage or more advanced permanent whole life or universal life coverage, we have a variety of options available for you.

Long Term Care:

The increasing costs of long term care are of great concern as our population ages. Long term care has thus become more a financial issue than a health issue. The choices one has, if care is required, will be determined by the amount of money available to pay for home care or facility costs. The quality of our lifestyle as we age will be affected by the financial decisions we make today.  A properly structured long term care (LTC) insurance policy is critical to sound financial planning.  Once you decide to use LTC insurance as a means to help protect your assets, preserve choices, and maintain your family’s lifestyle, it is important to obtain coverage at the earliest possible time. The cost of waiting is high, as LTC insurance premiums are based upon your age at the time you apply for coverage as well as your medical history.

Existing Policy Review:

We also highly recommend letting us review your current life insurance plans.  The life insurance industry evolves over time, and there may be benefits to you now that were not in place when you got first got your life insurance.  Check with us to see if there is a potential change to a company with tangible benefits (lower or paid-up premiums, more insurance coverage or higher cash value) depending on the type of policy you have.

To receive a customized insurance quote or review your existing policies, please click this link to send us an email.   

To call us directly - 817-657-4538

Texas Health Team is a group of dedicated Health Insurance and Medicare Specialists that serve the DFW Region and the State of Texas.  We are proud to offer all types of Medicare Plans including: Medicare Advantage Plans, Medicare Supplement Plans and Prescription Drug Plans.

In addition, we also provide plans for Under 65 Clients including: Dental, Vision, Hospitalization and Indemnity Plans, Short-Term Major Medical Plans, Marketplace ACA (Obamacare) Plans, Group Health Plans, Final Expense Insurance and Life Insurance.