How much life insurance do I need for my family?

Usually 10–12 times your annual income—enough to pay off debts, cover living costs, and let your family move forward confidently.

Term vs whole life insurance—which is best?

For most, term is the answer. Whole life is much pricier, and the cash value usually isn’t worth it for pure protection. We’ll show you the difference for your situation.

Can I get affordable life insurance in my 50s or 60s?

Yes! Term life for older clients can be very reasonable, especially if you’re healthy. We’ll help you find coverage for your stage of life.

How do I get started?

Just reach out. We’ll review your needs, compare top insurers, and show you personalized options—no pressure, just clear answers.

Life Insurance in Montgomery, TX

Affordable Protection for Your Family

Request a Free Life Insurance Quote

Why Life Insurance Matters for Families?

Life insurance isn’t just a policy—it’s a plan to protect your family’s financial stability if you’re not there. If you have a spouse, children, a mortgage, or loved ones who count on your income, the right policy ensures their lives aren’t upended by loss. Most American families would struggle to cover basic expenses within months if the primary breadwinner passed away. In fact, 40% of adults say they need more life insurance—many are underinsured, leaving families at risk.

Our Focus: Term Life Insurance—Simple, Powerful, and Affordable

As a RamseyTrusted agency, we recommend term life insurance for most clients. Here’s why:

Term life provides coverage for a set period—10, 20, or 30 years—at a fixed, affordable rate.

It’s designed for your biggest financial responsibilities: raising kids, paying off the mortgage, or protecting your spouse until retirement.

Dave Ramsey and consumer experts agree: term life is the best value. “Buy term and invest the difference”—you keep more money in your pocket and get higher coverage for less.

Even $1 million of term life can cost less than $100/month for a healthy 30-something, making life insurance surprisingly affordable.

Term vs. Whole Life Insurance—What’s Right for You?

Term Life

High coverage for the lowest cost. Best for income replacement, family protection, and covering temporary needs.

Whole Life

Coverage for your lifetime, with a built-in savings account (cash value). Typically 10–20 times more expensive for the same death benefit. Most people don’t need it—returns are low, fees are high, and you’re forced to save within the policy.

When might whole life fit?

Sometimes, for small final expense needs or unique estate planning. For 99% of families, term life is the smartest choice.

We’ll always explain both—clearly, without pressure—so you can choose confidently.

How Much Life Insurance Do You Need? How Long Should It Last?

A good rule of thumb is 10–12 times your annual income. This helps your family:

Pay off the mortgage
Fund college or childcare
Replace your income for years
Cover final expenses and debts

Choose a term that lasts until your major obligations end. If you’re 55 and plan to work 10 more years, a 10-year term may fit. If you’re 35 with young kids, a 20- or 30-year term is wise. We’ll help you calculate the right coverage and term based on your exact needs and goals.

Flexibility and Future-Proofing Your Coverage

Conversion options
Many term policies let you convert to permanent life insurance later—no medical exam required—if your needs change or your health declines.
No-medical-exam coverage
Many healthy clients can qualify for coverage without a medical exam (limits vary by age, amount, and carrier).
Independent advice
As independent brokers, we shop dozens of top-rated insurers for the best rates, no matter your age or health profile. We do all the comparison shopping for you.

Life Insurance at Any Age—Protection for Every Stage

If you’re still working at 60, term life can protect your spouse until retirement.
For younger families, longer terms cover growing kids and big debts.
Nearing retirement? A small final expense policy might make sense—we’ll help you decide what’s necessary.

Mini-case example:
A 50-year-old couple takes out a 15-year term to cover income needs until Social Security and retirement savings are available. If something happens, the surviving spouse maintains their lifestyle and covers the mortgage.

Ready to Protect What Matters Most?

Life insurance gets more expensive the longer you wait, and you never know what tomorrow holds. We make the process fast, easy, and pressure-free. Request your free life insurance quote today—and let us do the legwork to find your best price.