Life Insurance Types
Not all life insurance is the same. Here's a clear comparison of every type we offer — explained plainly, with no sales pressure.
Questions? Call Curtis directly at 830-201-3153 — he's been doing this for 40+ years.
Term Life Insurance
Temporary coverage for a fixed period — the most cost-effective protection for most families.
Permanent Life Insurance
Lifetime coverage that never expires, often with a cash value component.
Whole Life Insurance
Lifetime coverage with guaranteed cash value that grows tax-deferred.
Guaranteed Universal Life
Permanent coverage at the lowest possible premium — guaranteed for life.
Indexed Universal Life (IUL)
Market-linked cash value growth with a 0% floor. Flexible premiums.
Senior & Final Expense
Coverage designed for older applicants or those needing smaller face amounts.
Specialty Coverage
Solutions for applicants with unique circumstances — health issues, tobacco use, or children.
No Medical Exam Life Insurance
Up to $2 million in coverage — no doctor visits, fast approval.
Life Insurance for Smokers
Fair rates for tobacco users from carriers that specialize in your situation.
Life Insurance with Health Conditions
Guaranteed issue options for applicants with pre-existing conditions.
Child Life Insurance
Lock in low rates for life and build guaranteed cash value from day one.
Not Sure Which Type Is Right for You?
Curtis has helped thousands of families find the right coverage. Tell him your situation and he'll tell you exactly what he'd recommend — no upselling, no pressure.