Life Insurance Plans in Fort Worth, TX
Life insurance helps your family financially after you’re gone. We explain term and permanent coverage in plain language and help you choose what fits your family and budget.
What life insurance is
Life insurance is a policy you pay a premium for, in exchange for a death benefit paid to your beneficiaries when you pass away. Coverage matters most if family members depend on your income for daily living expenses.
A death benefit can help pay a mortgage, funeral costs, tuition, credit cards and everyday expenses. The type of policy you choose decides exactly how your coverage works.
Term or permanent?
There are two main types of life insurance:
Term life insurance
Covers you for a set number of years. If you die during the term, your beneficiaries receive the death benefit. People often choose 10, 15 or 20 years, but other lengths exist. Term is typically less expensive.
Permanent life insurance
Covers you for as long as you pay the premium, with no expiration. It typically includes both a death benefit and a savings portion.
What affects the cost
The price of a life insurance policy varies. Common factors include:
- The type of policy and amount of coverage
- Your overall health and wellness
- Your family health history
- Your age when you buy
How much do you need?
Your health, budget and the people who depend on you decide which policy is best. Things to think about:
- IncomeHow many years would your family need your income replaced?
- DebtsMortgage, loans and credit cards you’d want paid off.
- Future costsFuneral expenses, childcare and education.
How we help
- ListenYour family, the people who depend on you and your budget.
- CompareOptions and prices from the insurance companies we represent.
- Set it upWe help you apply and explain what your policy covers.
- Stay in touchHere for changes, claims questions and renewals.
Why work with us
- A local office at 109 E Rosedale St, Fort Worth, open Monday to Friday, with weekend appointments
- Licensed insurance agents: Crystal Schuder, Harley Schuder and Carolina Cox
- An independent agency, so we can compare more than one insurance company
- Free quotes with no obligation
- Help in English or Spanish
- Home, auto, life, business and Medicare under one roof
Carolina Cox on our team can help you in Spanish.
Life insurance questions
Straight answers to what people ask us most. Don’t see your question? Ask a licensed agent.
What is the difference between term and permanent life insurance?
Term life covers you for a set period, such as 10, 15 or 20 years. Permanent life covers you for as long as you pay the premium and usually includes a savings portion as well as a death benefit.
Which is cheaper, term or permanent?
Term life insurance is typically less expensive than permanent coverage for the same death benefit. The right choice depends on your needs, not just price.
What can a life insurance payout be used for?
Beneficiaries can use the death benefit for things like mortgage payments, funeral costs, tuition, debts and day-to-day living expenses.
What affects the cost of life insurance?
The type of policy, the coverage amount, your health, your family health history and your age are common factors.
How do I get started?
Fill out our life insurance quote form or call or text us at (817) 353-2017. We’ll talk through your needs and compare options.
Serving Fort Worth and Tarrant County
From our Fort Worth office we help clients in person, by phone and online across the Dallas–Fort Worth area.
What our clients say
Reviews from our clients on Google.
Great Job Harley and have a Happy New Year
He wanted to see what other insurances were available to him. Since he is receiving insurance through his retirement package she walked us through what questions to ask the human resource department.
Harley, has spent hours working with us over the past months. We highly recommend her!!!
Protect the people who count on you
Talk to a licensed agent about life insurance. Free quotes, no obligation.