Types of Policies We Offer
At TRB Insurance, we provide a range of life insurance coverage options to suit your needs:
Term Life Insurance
Affordable protection for a set period that pays a death benefit if you pass away during the term. The protection period is typically 10, 20, or 30 years.
Whole Life
Lifetime coverage with a built-in savings component. This type of policy provides a death benefit and can serve as a financial asset.
Universal Life
Flexible coverage that has benefits of both term and whole life insurance allowing for adjustments to your premiums and benefits as your financial needs change.
Final Expense
Specifically, designed to cover funeral and other end-of-life costs, ensuring your family is not burdened with these costs.
Why Do You Need Coverage in Texas?
Life insurance coverage is especially important in Texas, where cost of living and property values can vary widely. Having a policy in place ensures your family can stay in their home, continue education plans, and avoid financial hardship during difficult times.
Peace of Mind
Offers peace of mind knowing that your family will be taken care of financially in your absence.
Financial Security
Helps your loved ones maintain their current standard of living.
Future Planning
Assist in covering future expenses like your children’s education or your spouse’s retirement.
Debt Protection
Helps pay off mortgages, loans, and other obligations.
What Is Life Insurance Coverage?
Life insurance is a crucial financial tool designed to provide financial security and peace of mind for you and your loved ones. In the event of your passing, it provides a death benefit to your beneficiaries, helping them manage expenses such as funeral costs, outstanding debts, and daily living needs. In some cases, a life insurance policy even allows access to your death benefit, while your still alive, to pay for long-term care services. This important coverage also acts as a financial safety net, ensuring that your family’s financial future is protected.
Beyond financial protection, life insurance can also play a role in estate planning, business continuity, and charitable giving. Whether you are looking to safeguard your family's future or leave a legacy, TRB Insurance offers solutions that align with your goals.
Frequently Asked Questions
What does life insurance coverage include?
It provides a death benefit that can be used for funeral costs, pay off debts, replace lost income, and support future financial needs.
How much coverage do I need?
It depends on several factors such as your income, debts, living expenses, and long-term goals. Our agents can help you determine the right amount of coverage for your situation.
What is the difference between term and whole life coverage?
Term coverage lasts for a specific period, while whole life offers lifelong protection and builds cash value.
How much does life insurance cost?
Pricing varies based on age, health, policy type, and coverage amount. Contact us for a personalized quote.