The 'Living Benefits' Term Life Leader In Texas!

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Although we 'Highly Recomend' Term Life Insurance with 'Living Benefits', to most families because of the low cost and simplicity, we do offer a range of other life insurance options like the various types of whole life and universal life insurances. As a potential client, if you insist on these options, we're more than happy to provide them to you.

The amount of life insurance you need will depend on factors such as your income, debts, and family's financial needs. Our agents can help you determine the appropriate amount of coverage.

Term life insurance provides coverage for a specified term.

Common term lengths include:

10 - Year Term Life Insurance

20 - Year Term Life Insurance

30 - Year Term Life Insurance

Term life insurance is designed to provide maximum protection at the lowest cost, making it one of the most popular choices for families across Texas.

How To Choose The Right Term: https://shopyourterm.com/stevenlhodge/right-term-length

While whole life insurance provides coverage for your entire life and includes a savings component, it's not for everyone.

Term life insurance is straightforward:

1. You choose a coverage amount
2. You select a term length
3. You pay a fixed monthly premium
4. Your beneficiaries receive the death benefit if you pass away during the term

If the policy expires and you're still living, coverage ends unless you renew, convert, or replace the policy.

Term life insurance is ideal for people who want strong protection during their highest-responsibility years, including:

• Parents with young children

• Homeowners with a mortgage

• Married couples

• Single parents

• Business owners

• Families focused on income replacement

• Anyone building generational security on a budget

If you need protection for a specific period of time, term life insurance is often the smartest starting point.

The right amount of coverage depends on your situation, but common factors include:

• Annual income

• Mortgage balance

• Debt

• Children's education costs

• Final expenses

• Future family needs

Many families choose coverage equal to 10-15 times annual income, but we help you calculate the amount that truly fits your goals-not just a generic formula.

Learn more about it here: https://shopyourterm.com/stevenlhodge/how-much-life-insurance-do-you-need

Term life insurance is often more affordable than people expect. Rates depend on:

• Age

• Health

• Coverage amount

• Term length

• Lifestyle factors

In many cases, healthy individuals can secure coverage for less than the cost of a daily cup of coffee.

We work with multiple top-rated insurance carriers to help you find competitive rates tailored to Texas residents.

You can 'SHOP YOUR TERM' and compare rates using our portal at: https://shopyourterm.com/stevenlhodge

Term life insurance:

• Lower initial cost

• Coverage for a specific time period

• Focused on income protection

Whole life insurance:

• Higher premiums

• Lifetime coverage

• Cash value accumulation

Both can play a role in a complete financial strategy. At Texas Best Life Insurance, we help you understand the difference so you can make an informed decision—not a pressured one.

Yes. Many term life insurance policies offer:

• No medical exam options
• Simplified underwriting
• Fast approvals

We'll review your health profile and show you all available options before you apply.

When a term policy expires, you typically have options:

• Renew the policy (at a higher rate)

• Convert it to a permanent policy

• Replace it with new coverage

• Let it expire if no longer needed

We help our clients plan ahead so there are no surprises at the end of the term.

Families across Texas choose us because we provide:

• Education-first guidance

• Personalized term life solutions

• Access to multiple top carriers

• Clear, honest explanations

• A focus on long-term family protection

We believe life insurance is not just about coverage -it's about peace of mind for the entire family.