Life Insurance & Health Insurance in Texas

Your Life Agency is a licensed independent insurance brokerage serving Texas, offering mortgage protection insurance, Indexed Universal Life (IUL), term and whole life insurance, and health insurance options including ACA marketplace plans and Medicare. As an independent broker, we shop your situation across multiple carriers rather than representing a single insurance company, so you see a wider range of coverage and pricing options.

Mortgage protection insurance in Texas

Texas homeowners commonly use mortgage protection insurance to ensure their mortgage is paid off if they pass away unexpectedly, without adding the debt to their family's financial burden. Coverage is underwritten based on age, health, and mortgage balance, and because Texas has a large, competitive carrier market, shopping multiple insurers through an independent broker typically finds a more competitive rate than going direct to one company.

Health insurance in Texas

Texas has not adopted ACA Medicaid expansion, which means many low-income adults without children, a disability, or a qualifying dependent may fall into a coverage gap between traditional Medicaid and marketplace subsidy eligibility. ACA marketplace subsidies remain available for eligible Texas residents based on income, and open enrollment typically runs November through mid-January. We help Texas residents compare marketplace, private, and Medicare options to find the most affordable fit.

Why work with a licensed Texas broker

Insurance regulations, carrier availability, and subsidy eligibility vary by state. Working with a broker licensed specifically in Texas means your coverage options and pricing reflect what's actually available in your state, not a generic national average.