Consumers overestimate the cost of term life insurance by ~3× — actual rates are far lower than most assume.LIMRA 2024 Insurance Barometer·Term life accounted for ~40% of individual life policies sold in the U.S. in 2024 — the most common new policy type.LIMRA U.S. Individual Life Insurance Sales·Term life remains the lowest cost-per-thousand life-insurance coverage available to most buyers.ACLI Life Insurers Fact Book·Every Texas life-insurance policy includes a mandatory 10-day free-look period — review, cancel, and receive a full refund of premiums.Texas Department of Insurance·TDI publishes complaint ratios for every licensed carrier — a useful sanity check before committing to coverage.Texas Department of Insurance Company Search·NAIC operates a free Life Insurance Policy Locator Service that helps beneficiaries find lost policies across participating carriers.National Association of Insurance Commissioners·CFPB and NAIC both recommend matching the life-insurance term to the underlying financial need (e.g., the years remaining on your mortgage).Consumer Financial Protection Bureau·Texas residents can call the TDI consumer help line (1-800-252-3439) for disputes or carrier questions — a free state resource.Texas Department of Insurance·AM Best, S&P, and Moody's publish carrier financial-strength ratings — A− or better is the standard floor for committing premium dollars.Insurance Information Institute·Consumers overestimate the cost of term life insurance by ~3× — actual rates are far lower than most assume.LIMRA 2024 Insurance Barometer·Term life accounted for ~40% of individual life policies sold in the U.S. in 2024 — the most common new policy type.LIMRA U.S. Individual Life Insurance Sales·Term life remains the lowest cost-per-thousand life-insurance coverage available to most buyers.ACLI Life Insurers Fact Book·Every Texas life-insurance policy includes a mandatory 10-day free-look period — review, cancel, and receive a full refund of premiums.Texas Department of Insurance·TDI publishes complaint ratios for every licensed carrier — a useful sanity check before committing to coverage.Texas Department of Insurance Company Search·NAIC operates a free Life Insurance Policy Locator Service that helps beneficiaries find lost policies across participating carriers.National Association of Insurance Commissioners·CFPB and NAIC both recommend matching the life-insurance term to the underlying financial need (e.g., the years remaining on your mortgage).Consumer Financial Protection Bureau·Texas residents can call the TDI consumer help line (1-800-252-3439) for disputes or carrier questions — a free state resource.Texas Department of Insurance·AM Best, S&P, and Moody's publish carrier financial-strength ratings — A− or better is the standard floor for committing premium dollars.Insurance Information Institute·
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Mortgage Protection Insurance in Texas

City-by-city guides for every Texas market we cover — 119 cities across 12 metro regions. Each guide covers local home prices, Texas Department of Insurance consumer rules, coverage sizing math, and how to shop without paying lender markup.

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Greater Houston

26 cities indexed

Dallas–Fort Worth Metroplex

39 cities indexed

Austin Metro

5 cities indexed

San Antonio Metro

5 cities indexed

Rio Grande Valley

7 cities indexed

Corpus Christi & Coastal Bend

3 cities indexed

Central Texas & Brazos Valley

8 cities indexed

East Texas & Piney Woods

13 cities indexed

Hill Country

1 city indexed

Permian Basin (Midland-Odessa)

3 cities indexed

Texas Panhandle

7 cities indexed

El Paso & Far West Texas

2 cities indexed

Texas Department of Insurance — aware

Every city guide cites the Texas Department of Insurance for free-look periods, beneficiary rules, and PMI-vs-MPI clarifications. Texas-specific, not generic national copy.

Advisor-structured coverage

Your advisor runs a Critical Time Period Evaluation and structures the right policy around your mortgage. Most policies are simplified-issue (no medical exam), with living benefits built in.

More cities being added

Don’t see your city? Call (254) 233-8272 and we’ll connect you with a Texas-licensed advisor for your ZIP code anyway.