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Life Insurance in Texas
Secure your family's future with a life insurance policy. We help you find the right coverage to protect your loved ones for years to come.
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How much life cover would your family need?
Four numbers, about twenty seconds. This is the DIME method: debts, income, mortgage and education.
Cards, loans, medical and funeral costs.
Counted for three years, so the family has time.
What it would take to pay the house off.
Counted at $50,000 each.
What it covers
Moreno Insurance Agency provides the following types of life insurance solutions
Life insurance is a vital safety net that helps protect your family's financial well-being in the event of an unexpected death.
Tap any part and the quote form opens with it already noted.
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Term Insurance
Term Insurance is the most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time (the term) and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time.
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Final Expense
Loans, credit card debt, estate costs, the funeral. Most people leave behind unpaid expenses when they die, expenses that, if left unattended, burden their families tremendously. Final expense coverage is life insurance that pays off these debts, ensuring that everything will be taken care of if you pass.
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Universal Life
Universal Life Insurance was created to provide more flexibility than whole life insurance by allowing the policy owner to shift money between the insurance and savings components of the policy. Unlike whole life insurance, universal life allows the cash value of investments to grow at a variable rate that is adjusted monthly.
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Whole Life
Whole Life Insurance is a life insurance contract with level premiums that has both an insurance and an investment component. The insurance component pays a stated amount upon death of the insured. The investment component accumulates a cash value that the policyholder can withdraw or borrow against.
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Why it matters
Why Life Insurance Matters
Life insurance is a vital safety net that helps protect your family's financial well-being in the event of an unexpected death. It provides a death benefit that your loved ones can use to cover funeral costs and other final expenses, pay off debts including mortgages, car loans and credit card balances, replace lost income to help cover daily living expenses, fund college tuition for children or grandchildren, and ensure a spouse or partner can maintain their standard of living.
Term life provides coverage for a specific period of time, such as 10, 20, or 30 years. Permanent life coverage lasts for your entire life, as long as premiums are paid, and it can also build cash value over time.
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Answers
Life insurance questions
Answers to the questions our office is asked most. If yours is not here, call and ask us.
Term Life Insurance provides coverage for a specific period of time, such as 10, 20, or 30 years. Permanent Life Insurance lasts for your entire life, as long as premiums are paid. It can also build cash value over time, which you can access while you are still living.
Funeral costs and other final expenses, debts including mortgages, car loans and credit card balances, replacing lost income to help cover daily living expenses, college tuition for children or grandchildren, and ensuring a spouse or partner can maintain their standard of living.
Every person’s life and financial situation is different. Our team takes a personalized approach, sitting down with you to understand your goals and responsibilities.
Start a quote
Four things, and we do the rest
Your name, a number that reaches you, an email for the paperwork, and the language you would rather we spoke. That is the whole form.
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Next step
One phone call is usually the whole job
Tell us what you want covered. If your current policy is already the right one, we will tell you that too.