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Life & disability
Term life, final expense, and income protection. These are life and health lines, not property and casualty.
Start the life & disability application →- What it covers
- Term life to cover a mortgage, a business loan, or income replacement
- Buy-sell funding between business partners
- Key person coverage
- Disability income if you can't work
- What it doesn't cover
- Anything property or liability related
- Typical limits
- Set by need. Common rules of thumb are 10 to 12 times income for family protection, or the loan balance for business coverage.
- Worth knowing
- These lines require a separate Texas life, accident and health license from the property and casualty license. Ask us how your need is handled and we'll tell you plainly whether we write it in-house or place you with a trusted partner.
Common questions about life & disability
What does life & disability cover?
Term life to cover a mortgage, a business loan, or income replacement. Buy-sell funding between business partners. Key person coverage. Disability income if you can't work.
What does life & disability not cover?
Anything property or liability related.
What limits are typical?
Set by need. Common rules of thumb are 10 to 12 times income for family protection, or the loan balance for business coverage.
What should I watch out for?
These lines require a separate Texas life, accident and health license from the property and casualty license. Ask us how your need is handled and we'll tell you plainly whether we write it in-house or place you with a trusted partner.