Individual & Families Life Insurance
The right mix of term and permanent coverage for your goals.
Family life insurance replaces your income, pays off debts and funds your children's future if you die. Term life is the most affordable choice for most young families, and whole life adds lifelong cover and cash value. TrueCare compares carriers and builds the plan with you.
TrueCare Insurance Services is here to help you make the best informed decision on your life insurance needs at the most affordable price possible. Many times, it’s best to have a mix of both term insurance and permanent life insurance to meet your individual needs and goals. A key component of affordable life insurance is your age — the younger you are, the lower the cost — so don’t delay. It’s almost never too late to start. We work with A-rated life insurance companies to offer you a variety of options.
Term Life Insurance
Term life insurance provides a cost-effective way to have life insurance. Yearly renewable term has a lower initial premium but premiums increase yearly; level term is purchased for a specified period with premiums that remain level for the term. There is no living benefit, but it leaves a monetary death benefit to your beneficiaries — often used to cover lost earnings so loved ones can pay for things like a mortgage, college education and everyday living costs. We’re happy to review the features and limitations of each plan type and find the company that best suits your needs and budget.
Whole Life Insurance
Whole life insurance provides permanent, level protection for your “whole life,” from policy issue to the death of the insured, with level premiums, level benefits and cash value. Cash value accumulation and maturity at age 100 combine to produce “living benefits” — a ready source of funds that may be borrowed at reasonable interest (any unpaid loan plus interest is subtracted from the death benefit), or used to supplement retirement income. We’ll review all the features and limitations to help you make an educated, informed decision.
Looking for coverage at work instead? Explore business life insurance.
Have questions? Contact us today — we’re here to help. Talk to a Life Insurance Agent →
Frequently asked questions
When is the best time to buy life insurance?
Usually as early as possible. Premiums are based on age and health, so buying before health changes locks in lower rates for the whole term. Major life events such as marriage, a new baby or a home purchase are common triggers.
Should I buy life insurance for my children?
Most families prioritize coverage on the working adults first. A small whole life or term policy on a child can guarantee future insurability, but it is a secondary priority after protecting income.
Can I convert term life to permanent life later?
Many term policies include a conversion option that lets you switch to permanent coverage without a new medical exam, within certain time limits. Ask about conversion rights before you buy.
Ready to protect what matters most?
Speak with a licensed Houston insurance agent for a no-obligation consultation.