Life and Health Insurance in Texas
From an Independent Agency Texans Have Trusted Since 2002
Life and health insurance are some of the most important purchases you can make for your family. We sit down with you, explain your options in plain English, and shop numerous carriers to find coverage that fits your budget and protects the people you love.
What Life & Health Insurance Covers
Term Life Insurance
Affordable coverage for a set term (10, 20, or 30 years). Ideal for income replacement during working years.
Whole Life Insurance
Permanent coverage that builds cash value over time. Premiums stay level for life.
Universal Life Insurance
Flexible permanent coverage with adjustable premiums and death benefits.
Final Expense Insurance
Smaller permanent policies designed to cover funeral and end-of-life expenses.
Individual & Family Health Insurance
Coverage for individuals and families through ACA marketplace and private plans.
Supplemental Insurance
Accident, critical illness, cancer, and hospital indemnity policies that complement your main health plan.
Why Texans Choose A-Tex for Life & Health Insurance
Independent Agency
We work for you, not the insurance company. We compare numerous carriers to find your best rate.
Family-Owned Since 2002
Two decades of helping Texans protect what matters most. Family-owned, Christian-based, locally trusted.
Real People, Real Service
No call centers. No runaround. Talk to the same friendly Texans every time you call.
Life & Health Insurance FAQs
What is the difference between term and whole life insurance? +
Term life covers a specific period (e.g., 20 years) and is the most affordable. Whole life lasts your entire life, builds cash value, and has higher premiums. We will help you decide which fits your goals.
How much life insurance do I need? +
A common rule of thumb is 10–12 times your annual income, but it depends on your debts, dependents, mortgage, and goals. We will walk you through a personalized needs analysis.
When is the best time to buy life insurance? +
The earlier the better — rates are lowest when you are young and healthy. Even buying small policies young can lock in rates for decades.
Can I buy health insurance outside of Open Enrollment? +
Sometimes. Qualifying life events — marriage, birth, job loss, moving — can open a Special Enrollment Period. We can also help with short-term medical and supplemental options year-round.
Does A-Tex sell Medicare plans? +
Reach out and we will let you know what we can offer or refer you to a trusted Medicare specialist if needed.
Ready to Get Started?
Get a free, no-obligation life & health insurance quote in minutes. We will compare numerous carriers and respond within one business day.