Compare Life Insurance Products and Get a Quote

Life Insurance Products At A Glance

Whole Life

Term Life

Universal Life

Protection that can last up to your entire lifetime*


Premium that never increases

Cash Value that can be used for any reason during your lifetime


Flexibility to adjust premium payment amounts and frequency


Ability to increase or decrease the Death benefit amount


10-, 15-, 20-, or 30- year duration to cover short-term needs

Opportunity to convert to a Permanent policy later

Our products can be customized to meet your needs. Please call or contact an agent to see which best suits you.

Who buys Whole Life Insurance?

Whole life is a common option among retirees, pre-retirees, and anyone age 45-85 who wants reliable, guaranteed protection. People often purchase whole life insurance in order to:

  • Get coverage with no medical exam
  • Cover final expenses
  • Supplement existing life insurance coverage
  • Build cash value in the event of an emergency
  • Provide a gift for an important person

Karen, Age 57

Whole Life Insurance Customer
“Having coverage for my final expenses helps give me some peace of mind that I won’t burden my family. I’m glad we have a plan in place. I have some health concerns, so it was important for me to be able to get life insurance without a medical exam.”

Who buys Term Life Insurance?

Term life is a common option for newlyweds, young parents, working people, and homeowners. People often purchase term life insurance in order to:

  • Replace lost income in the event of death during prime earning years
  • Pay off their family’s home mortgage
  • Provide an emergency fund for their loved ones
  • Pay off personal debts
  • Help provide for a child’s education fund

Lisa, Age 30

Term Life Insurance Customer
“I have a young family and I want to make sure they are protected. I need to make sure if something happens that my family can pay for our house and expenses. Term insurance gives me more coverage to help take care of my kids, with low premiums that fit my budget.”

Who buys Universal Life Insurance?

Universal life is popular among individuals who are just entering their prime earning years, as well as investment-savvy people who are willing to take on some additional risk. People often purchase universal life insurance to:

  • Get flexible protection that can be adjusted as circumstances change
  • Help replace lost income at death
  • Access tax-deferred cash value for retirement or education expenses
  • Develop an estate or business plan
  • Build and protect a legacy

Mike, Age 45

Universal Life Insurance Customer
“I feel financially secure. I have maxed out my contributions to my retirement plan and am looking for additional ways to potentially accumulate money that could be used as a source of tax-favored income during my retirement.”

The situations described above portray a situation our customers may have faced or could face. They do not depict any actual person or event.

You may also be interested in:

Children's Whole Life Insurance

Allows you to give the gift of long-term protection for a child or grandchild up to age 17.

Accidental Death Insurance

Helps provide guaranteed financial support for your loved ones if you die in a covered accident.

We have a wide variety of solutions for your needs


Affordable Life Insurance Quote

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Affordable stability and peace of mind for end-of-life expenses. Learn More

Coverage for an unexpected loss in a specific period of time.. Learn More

Flexible life insurance protection with cash value that lasts a lifetime. Learn More
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Your coverage needs depend on factors such as your age, your financial strength, and your family’s circumstances. In general, the earlier you are in life and the more financially dependent your loved ones are on you, the more coverage you need. Mutual of Omaha provides online tools that might help you determine your needs.

There are many factors that should be considered in choosing life insurance, including short-term and long-term cost, coverage and cash value. Life insurance is meant to give you peace of mind, not to put a strain on your budget. We can work with you to identify an affordable life insurance policy that meets your family’s coverage needs.

Several of  Policy Agent’s life insurance products allow you to get a quote or apply online. For more complex coverage needs, you should discuss your unique situation with an agent and build a policy that will protect your family. Contact us online or  by phone at 713-369-0997   to start the conversation.

Because we’ve been helping people through life’s transitions, both expected and unexpected, for over a century, Policy Agent  knows the importance of having a plan for the end of life. We are dedicated to our customers and act with integrity, innovation, and accountability as we work to help you protect and provide for your family.

Life Insurance Basics

Basic Information about Life Insurance- ife insurance coverage is your opportunity to provide for and protect the people you love most. By putting a plan in place to cover expenses that would occur in the event of your death, you can help secure their long-term financial future.

Answering Your Questions

Compare Life Insurance Products

If you’re looking for the best life insurance policy for you, you need to consider your budget and your financial needs. We’ve created this quick comparison chart to help you make an informed decision. can cover burial expenses, is wise, even if a funeral seems far away

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