01
TERM
Term life
Straightforward protection for a set period, often used for income, family, or mortgage needs.
Ask about this option →★ Texas residents only
Texas life insurance
quotes—made simple.
Protect the people who depend on you.Request a personally reviewed comparison based on your age, budget, health, and coverage needs.
✓Licensed Texas insurance agentNational Producer Number (NPN) 22326556
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✓ No obligation✓ Your information isn’t resold✓ Multiple coverage types
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More options. One personal guide.
I shop multiple carriers
to find the right fit.
Click a company to see the policy types and publicly stated coverage limits I could verify. Coverage amount means death benefit—not monthly premium.
Why there is no fake “$20–$80 per month” promise
An actual premium depends on date of birth, sex/rating basis, build, medical and prescription history, tobacco or nicotine use, policy design, riders, state, and carrier underwriting. The low and high figures below are verified death-benefit amounts. Your personal premium comes from a current carrier quote or illustration.
Life insurerCorebridge FinancialTerm life, permanent life, and final-expense whole life
- Public coverage range
- No single public minimum or maximum is stated across its current consumer pages; the exact limit must come from the current product illustration and underwriting guide.
- Age / availability
- Issue ages vary by product and term length.
- Potential premium
- Personalized quote required; the public site does not publish one low-to-high premium range for every applicant.
Life insurerAmericoTerm, indexed universal life, universal life, whole life, and final expense
- Public coverage range
- Public final-expense material shows $5,000–$40,000. Limits for other Americo products must be checked in the current Texas product guide.
- Age / availability
- Issue ages and maximums vary by product and underwriting class.
- Potential premium
- Personalized quote required; premiums vary by policy, age, health, tobacco use, and benefit amount.
Annuity providerAtheneFixed, fixed-indexed, and immediate annuities for retirement income and savings protection
- Public coverage range
- Not an individual life-insurance death-benefit range. Athene’s current public sales pages focus on annuities, so it is not used in this site’s preliminary life-policy paths.
- Age / availability
- Eligibility and purchase-payment limits vary by annuity contract.
- Potential premium
- Not a life-insurance monthly premium; current annuity rates and minimum purchase payments must be confirmed separately.
Life insurerAetna Senior SupplementalFinal-expense whole life
- Public coverage range
- $2,000–$50,000. The maximum available amount decreases for some issue ages and plans.
- Age / availability
- Current public chart lists issue ages 40–89; plan details vary by state.
- Potential premium
- Personalized quote required; level or modified benefit eligibility affects the premium and early-year benefit.
Life insurerMutual of OmahaTerm Life Express, IUL Express, whole life, final expense, and other universal-life options
- Public coverage range
- Public simplified products span $2,000–$300,000: final expense $2,000–$50,000; Term/IUL Express $25,000–$300,000 at ages 18–50, $250,000 max at 51–60, and $150,000 max at 61–75.
- Age / availability
- Term length, tobacco use, and state can lower the maximum issue age.
- Potential premium
- Personalized quote required; the selected plan and underwriting result determine the premium.
Life insurerAmerican AmicableSimplified term, universal life, whole life, and final expense
- Public coverage range
- Across current cited products: final expense $2,500–$50,000 depending on age/plan; Easy Term $25,000–$250,000; Express UL $25,000–$500,000.
- Age / availability
- Easy Term issue ages vary by term; final expense is available through age 85 on listed plans.
- Potential premium
- Personalized quote required; simplified issue is not guaranteed issue, and plan/rate class affects cost.
Life insurerNational Life GroupTerm, whole life, universal life, indexed universal life, and variable universal life
- Public coverage range
- Current public consumer pages do not publish one universal minimum or maximum across the product line; use a current carrier illustration for the requested amount.
- Age / availability
- Issue ages depend on product and underwriting path.
- Potential premium
- Personalized quote and, for permanent products, a current illustration are required.
Digital term-life platformLadderTerm life
- Public coverage range
- $100,000–$8,000,000 in most states; Ladder states that qualifying applications up to $3,000,000 do not require a medical exam.
- Age / availability
- Eligibility and available term length depend on age and underwriting.
- Potential premium
- Personalized quote required; a high public coverage maximum is not a promise of approval.
Fraternal life insurerForesters FinancialTerm, whole life/final expense, and universal life
- Public coverage range
- PlanRight final expense: $5,000–$35,000. Your Term non-medical: $50,000–$400,000 (lower maximum at some older ages). SMART UL adult non-medical: $25,000–$400,000; medically underwritten options have different limits.
- Age / availability
- PlanRight lists ages 50–85; Your Term lists ages 18–80; SMART UL lists adult issue ages through 85 depending on underwriting.
- Potential premium
- Personalized quote required; whole-life, term, and UL premiums are not interchangeable.
Digital insurance platformEthosLevel term, simplified term, whole life, guaranteed-acceptance whole life, and selected IUL products issued by partner carriers
- Public coverage range
- Ethos for Agents states up to $2,000,000 in face value. Its consumer FAQ separately lists term up to $3,000,000 through age 50, up to $500,000 over age 50, and whole life up to $30,000. Minimums vary by issuing carrier.
- Age / availability
- The agent platform says its products can cover many adults ages 18–85; each product has its own issue-age rules.
- Potential premium
- Personalized quote required. Ethos is a platform; the issuing carrier and product determine cost and approval.
Life insurerTransamericaTerm, indexed universal life, variable universal life, and final expense
- Public coverage range
- Trendsetter Super term starts at $25,000; its current product guide includes face-amount bands above $10,000,000 rather than publishing a fixed maximum. Easy Solution final expense lists a $25,000 maximum.
- Age / availability
- Term issue ages depend on term length, tobacco status, and face amount.
- Potential premium
- Personalized quote required; the carrier states its online term result is an estimate subject to underwriting.
Life insurerF&GIndexed universal life
- Public coverage range
- F&G’s current public consumer page does not state a universal minimum or maximum face amount; the exact range must be confirmed in the current Texas product guide and illustration.
- Age / availability
- Issue ages and underwriting paths vary by current IUL product.
- Potential premium
- A current carrier illustration is required; index-linked values are not guaranteed market returns.
Fraternal life insurerRoyal Neighbors of AmericaWhole life, Jet term life, final expense, and annuities
- Public coverage range
- Ensured Legacy final expense publicly lists $5,000–$40,000; the amount available depends on whether the applicant qualifies for simplified, graded, or guaranteed-issue coverage.
- Age / availability
- Issue ages and limits for whole life and term vary by product.
- Potential premium
- Personalized quote required; graded or guaranteed-issue benefits and premiums must be explained before application.
Workplace benefits providerChubb Workplace SolutionsEmployer-sponsored guaranteed life with long-term-care benefits and level-term features
- Public coverage range
- Employer plan-defined. Chubb’s current U.S. page describes workplace/group coverage and does not publish a single individual-retail minimum or maximum.
- Age / availability
- Availability depends on the employer’s plan and enrollment rules.
- Potential premium
- Employer plan-defined; this is not treated as an individual direct-to-consumer quote in the preliminary match.
Public product information reviewed September 5, 2026. Product rules can change. Carrier and product availability depends on Julian Newman’s current appointment, advertising approval, the applicant, underwriting, and Texas availability. Companies listed are independent third parties and do not endorse this website. Ethos is a distribution platform, Athene currently focuses on annuities, and the Chubb option shown is workplace coverage. No private producer portal is linked.
Meet your agentJulian NewmanLicensed Texas insurance agent · NPN 22326556
Personal service is the product
No call center.
No lead merry-go-round.
I’m Julian Newman. Your request comes directly to me, and I’ll personally review what you share. We aim to connect within 24 hours unless you choose a later available appointment.
- Your contact information is not resold to multiple agents.
- You get a real person who can explain term, IUL, whole life, and final expense coverage.
- You can ask questions without pressure or an obligation to buy.
Coverage for real Texas lives
Options for today.
Protection for tomorrow.
You don’t need to know which policy type is right before you start. That’s what the personal review is for.
02
IUL
Indexed universal life
Permanent coverage with flexible features and cash value potential tied in part to an index.
Ask about this option →03
WHOLE
Whole life
Lifetime protection with level premiums and guaranteed cash value features defined by the policy.
Ask about this option →04
FINAL
Final expense
Focused coverage designed to help loved ones handle funeral and other end-of-life costs.
Ask about this option →Policy features, premiums, eligibility, availability, and underwriting vary by applicant and issuing carrier. Indexed universal life policies do not invest directly in a market index.
A direct path to answers
From your first click
to a real conversation.
- 01See a preliminary match
Share the basics and get a starting coverage direction before contact details.
- 02Request a personal review
Your information comes directly to Julian—not a resale marketplace.
- 03Choose your call time
Pick a live calendar opening within 24 hours or a later available date.
Straight answers
Before you
request a quote.
Is this only for Texas residents?+
Yes. This request form is intended only for adults who reside in Texas and are seeking life insurance coverage in Texas.
Will my information be sold to other agents?+
No. Your request is a first-party lead for TexasLifeInsuranceQuote.com and is not sold or distributed as a lead to multiple agents. If you choose to apply, information may be shared with the insurance carrier involved in that application.
Is the preliminary match a quote?+
No. It is an educational starting point based on your general answers. Julian’s personal review is not a binding quote or offer of coverage. Final approval and premiums are determined by the issuing carrier after underwriting.
Do I need to answer detailed medical questions?+
Not here. The first step only asks for a general health category. A carrier may request more complete health information later if you decide to apply.
What happens after I submit?+
Your selected one-hour time is added to Julian Newman’s private Outlook calendar. Julian personally reviews the request and aims to contact you within 24 hours unless you selected a later date.
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texaslifeinsurancequote.comJulian Newman · Licensed Texas insurance agent · NPN 22326556Texas coverage. Personal guidance.