Term
Term life
Cover for a set number of years — often while there is a mortgage to pay or children at home. The simplest and usually the least expensive way to buy a large amount of protection.
Home/Life Insurance
Life Insurance · Houston, TX
Being prepared is a kindness to the people you love
None of us like thinking about the end of our life. But by being prepared for that day, we ease the burden on our family. From policies that cover the basics to universal life that secures a family's finances for years, we cover it all.
No cost to you
No obligation
Hablamos español
Free, no obligation
Call to learn the difference between term, whole and universal life
These three words get used as though everyone already knows what they mean. One phone call and you will understand which one fits your family, what it would cost, and what it would actually pay out.
Mon–Fri 9am–6pm, Sat 10am–2pm. Leave a message outside those hours and we call you back.
No pressureever, on this one
Independent agents comparing 12 major carriers
The four you will hear about
Term, whole, universal and final expense
They solve different problems. The right one depends on who you are protecting and for how long.
Whole
Whole life
Cover that lasts your whole life as long as it is paid, with a premium that does not change and a cash value that builds slowly over time. Costs more than term for the same payout.
Univ.
Universal life
Permanent cover with more flexibility in what you pay and when. It can secure a family's finances for years, but it has more moving parts, so it is worth having someone walk you through it.
Final
Final expense
A smaller policy meant to cover a funeral and the costs that follow, so nobody is raising money in the worst week of their life. Often available without a medical exam.
No medical exam options
Some policies can be issued on health questions alone. Useful if an exam is the thing that has stopped you before, or if you want cover in place quickly.
How much cover do I need?
The honest answer is: enough to cover what your family would still owe, plus what they would need to keep going. We work it out with you rather than selling you a round number.
Talk it through with usWhen people usually call us
There is rarely a perfect moment
Life insurance gets cheaper the younger and healthier you are when you buy it, which is exactly why it is so easy to put off.
Something to protect
A mortgage, a new baby, a spouse who would struggle on one income. The moment someone depends on your earnings is the moment this stops being theoretical.
Cover that is about to end
A term policy running out, or cover through an employer you are leaving. Both are easy to miss until they are gone, and both are easier to replace before they lapse.
Not wanting to leave a bill
Many people come to us simply so their family is not fundraising for a funeral. A final expense policy is a small, specific answer to that worry.
We will not push you. If you already have cover that works, we will tell you so. This is the product people most often get sold badly, and we would rather be the people you trust later.
Integrity Insurance
Why choose us for life insurance?
We explain the difference between the options honestly, and we are still here years later when your family needs us to be.
Stress-free process
We compare policies for you and explain the trade-offs without the jargon.
No extra cost
Our services are free to you. We are paid by the insurance companies, never by you.
Family-centered care
With our family-focused approach we are here to guide and support you, just like we would for our own loved ones.
Long-term support
The people who sold you the policy are the people who answer when your family calls.
★★★★★“Integrity Insurance Service was impeccable. Their knowledge of the marketplace and their customer service was hands-down a big help to me and my family and my loved ones. Would highly recommend.”
Common questions
Life insurance questions we hear most
Term covers you for a set number of years and pays out only if you die within that period, which is why it costs less. Whole life lasts as long as you keep paying and builds a cash value over time. Most families start with term because it buys the most protection per dollar during the years they need it most.
Not always. Some policies can be issued on health questions alone. An exam often gets you a better rate if your health is good, so it is worth comparing both routes rather than assuming one is better.
Often, yes. Different carriers take very different views of the same condition, which is exactly why working with an independent agent helps. We know which companies are more forgiving about what, and we ask before you apply rather than after a decline.
Life insurance death benefits are generally paid to beneficiaries free of federal income tax, though individual situations vary. We are insurance agents, not tax advisers, so for anything involving an estate it is worth speaking to an accountant too.
To enroll in Medicare you have a seven-month window, starting three months before the month of your 65th birthday. We guide you from beginning to end: starting with soliciting Medicare Parts A & B from Social Security, and ending with picking the best plan for your needs.
One conversation, no pressure
Ask us what the three types actually mean and what they would cost for someone your age. If you decide to do nothing, that is a fine outcome too.