PERMANENT LIFE INSURANCE

Protecting things that are most important to you

Why Texas General?

Permanent life insurance provides protection throughout your lifetime as long as you continue to pay your premiums in full. Most permanent life insurance policies build cash value for you to use for expenses later in life like paying off a student loan or purchasing a new car. Cash value is an attractive part of many permanent life insurance plans.

  • Whole life policies are the simplest and have the strongest guarantees of any type of life insurance. Whole life policies allow for the accumulation of cash value on a tax-deferred basis, which can be used when you need it. Your cash value will build slowly and steadily, but as your cash value increases you’ll see it grow faster. It pays to be patient!
  • Universal life policies have flexible features that can be customized for you and your loved ones. The flexibility of universal live coverage allows for changes to the death benefit and the size and timing of the policy’s premium, to an extent. So as changes to your life take place so can your coverage. Your tax-deferred cash value account accumulates at least the guaranteed rate of interest, but may accumulate at a higher rate depending on current market rates. Meaning, you may receive more cash value than expected or you may get none at all. Consult with our professionals about overfunding to make sure your universal life policy has cash value.
  • Variable life is a permanent life insurance policy with a cash value account. Variable life insurance policies require a fixed annual premium for the life of the policy and may provide a minimum guaranteed death benefit. If the cash value account exceeds a certain amount, the death benefit will increase. Variable life policies usually allow for a wider selection of investment options, known as subaccounts, for you to choose from. Your choices can range from a fixed interest subaccount to a highly volatile international growth account.

If you want a policy that can build cash value for you as well as build up some savings for later in life, talk to our agents about the right permanent life insurance plan for you!

We Shop for You…

With access to over 30 different carriers, we shop multiple A.M. Best A rated companies to find you comprehensive coverage at the best value. And come renewal time, our revolutionary system alerts our team if you have a rate increase and notifies us to start finding you a better rate.

Larger Market

Our vast relationships with trusted carriers, as well as our pride in service, is what separates us apart from our competition. We are consistently looking for and adding new companies to our market. Keeping the competition among them high helps keep your insurance cost low.

Annual Policy Reviews

Our innovative system automatically lets us know of significant rate increases 30 days in advance, allowing us time to find you a better rate.

 

Superior Service

“During the purchase of a new house, I took the opportunity to shop my insurance, as my current provider’s quote was over the top. I looked at several of the major, well-advertised carriers besides getting a quote from Texas General. Texas General not only beat the others significantly in price, but the policy was with a well-known, nationwide carrier and they made the switch quick and easy. I have been with them for two years now and have no complaints.”

– Glenn L. Sprenger
Houston, TX

“If anyone is in need of some insurance, this is the guy to call!”

– Tracy Chrisman
Houston, TX

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