Texas Families Deserve More than an Average Policy
The average Texas life insurance policy pays out $170,000. Is that enough to cover your mortgage, your kids, and replace your income?
$17.6 Billion paid out to Texas families every year. That's $48.3 million. Every single day.
Source: American Council of Life Insurers, 2025
THE TEXAS REALITY
11 Million Texas Have Life Insurance.
Most Have a Gap They Don't See Coming.
There are 11 million individual life insurance policies in force across Texas right now.
That's more than any other state in America.
But having a policy and having enough are two very different things.
The average Texas policy pays $170,000 at death.
Ask yourself: Would $170,000 pay off your home? Replace your income for your family? Put your kids through school? Cover final expenses and still leave something behind?
In Houston, Dallas, Austin, and San Antonio — where home prices regularly exceed $300,000 — the answer for most Texas families is no.
That's not a failure of intention. It's a gap — and gaps are what we close.
WHY TERM LIFE MAKES SENSE
The Most Protection for the Least Cost — While You Need It Most
Term life insurance is straightforward. You choose a coverage amount and a term length. If something happens to you during that time, your family gets paid. No games, no market risk, no guessing.
Texas Term Insurance makes the process simple — no medical exam required for most applicants, decisions in minutes, and coverage that actually matches what Texas families need today.
Everything's bigger in Texas. Your life insurance should be too.
TEXAS BY THE NUMBERS
Life Insurance Is Already Working for Texas
$17.6 Billion paid in life insurance and annuity benefits to Texas families annually
$48.3 Million paid out every single day in Texas
11 Million individual policies in force in Texas
$170,000 average death benefit — the gap most families don't see coming
492 life insurance companies licensed to do business in Texas
295,200 jobs generated by the life insurance industry in Texas
$710 Billion invested into Texas's economy by life insurers
Source: American Council of Life Insurers, 2026
HOW IT WORKS
Three Steps to Protecting Your Texas Family
Get your quote — answer a few questions, no medical exam required for most
Choose your coverage — pick the amount and term that fits your family's real needs
Get covered today — policies issued fast, protection starts immediately
Trusted by Thousands.
Texas Term Insurance is one of America's most trusted life insurance platforms with thousands of five-star reviews from real customers nationwide.
Excellent prices for insurance policies...especially considering NO EXAM!”
“It took 5 minutes and I was insured instantly for 1.2 million.”
“Loved how easy it was to compare and customize the policy coverage amount.
Loved the bonus complimentary estate planning aids.”
Texas Term Insurance has brought me so much relief knowing my family will be taken care of.”
Fast, simple, and exactly what my family needed." "No exam, no hassle. Had coverage the same day." "Finally understood what I was buying. Couldn't be easier.
Even if you're not ready to buy — wouldn't you want to know what it costs to protect your family?
Every day in Texas, $48.3 million is paid to families who planned ahead. The question isn't whether life insurance works — it's whether yours is enough.
We make it simple to find out — and easier to fix it.
Texas Term Insurance is an independent insurance agent website. Policies are issued by Ethos Life Insurance Company and its carrier partners listed at ethoslife.com/carriers. Products and features may not be available in all states. Coverage is subject to eligibility and underwriting approval. Licensed insurance agent, state of Texas. NPN: 3444481. Texas Department of Insurance: 512-676-6000 | tdi.texas.gov
Email: [email protected]
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