Frequently Asked Questions

A general rule of thumb is to have 10-12 times your annual income in coverage. However, your specific needs depend on factors like your age, dependents, debts, and long-term financial goals. We can help you calculate the right amount for your situation during a free consultation.

Term life insurance provides coverage for a specific period (10, 20, or 30 years) at lower premiums. Whole life insurance provides lifelong coverage with a savings component and higher premiums. Term is often better for temporary needs like covering a mortgage, while whole life is useful for long-term estate planning.

The process typically takes 2-4 weeks from application to approval. Term life policies with lower coverage amounts can sometimes be approved in just a few days through simplified underwriting. We'll help you understand the timeline for your specific situation.

A standard homeowners policy typically covers your dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others. Optional add-ons like flood or earthquake coverage may be available depending on your needs and location.

Texas requires drivers to carry minimum liability coverage of 30/60/25 — $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 for property damage. Many drivers choose higher limits for added protection.

Standard home policies do not cover flooding, and East Texas sees its share of heavy rain and storms. We can help you determine your flood risk and whether adding separate flood coverage is right for you.