Most Texas families can get $500,000 in life insurance for less than $30/month. We compare top-rated carriers to find your lowest rate in 60 seconds. No obligation. No sales calls.
We compare America's top-rated carriers to find your rate
The average Texas mortgage payment is $2,100/month. Without your income, that's $25,200 a year your family doesn't have. Within months, they're choosing between the house and groceries.
Raising two kids in Texas costs roughly $17,000 a year. Add the car payment, utilities, and health insurance. Your family's expenses don't shrink when your income does.
Of those who do, more than half don't have enough. Most families don't find out until the worst possible moment.
Here's the thing most people get wrong about life insurance: it costs a fraction of what you think.
Three out of four Americans think life insurance costs three to five times more than it actually does. Adults under 30 overestimate it by ten times. The number in your head right now is probably wrong.
| Your Age | $250K Coverage | $500K Coverage | $1M Coverage |
|---|---|---|---|
| 25 | $13/mo | $18/mo | $28/mo |
| 30 | $14/mo | $20/mo | $31/mo |
| 35 | $16/mo | $23/mo | $37/mo |
| 40 | $22/mo | $34/mo | $55/mo |
| 45 | $33/mo | $52/mo | $89/mo |
| 50 | $51/mo | $87/mo | $158/mo |
Rates shown are illustrative estimates for comparison purposes only. Actual premiums depend on your health history, lifestyle, and the carrier’s underwriting. All coverage is subject to application and approval.
A $500,000 policy for a healthy 32-year-old costs about the same as a streaming subscription. The difference is one entertains you for a night. The other protects your family for decades.
60 seconds. Top-rated carriers compared. Zero obligation.
A State Farm agent sells State Farm. An Allstate agent sells Allstate. We're not locked into any single company. We run your information through top-rated carriers and find the one offering the lowest rate for someone in your exact situation. Same coverage. Better price.
Our job is to find you the best deal, not to push one carrier's product. If Carrier A is $40/month cheaper than Carrier B for your profile, we'll tell you. We have no incentive not to.
Instead of calling ten companies and repeating the same information ten times, you answer a few questions once. We compare the market and bring you the best options side by side.
One carrier might charge a 35-year-old with sleep apnea $180/month. Another charges $94 for the exact same coverage. We know which carrier is the best fit for your health profile, your age, and your budget.
Basic stuff -your age, health, coverage amount. Takes about 60 seconds. No medical exam required for many policies.
We run your profile against every carrier we work with and find the best rates for your exact situation. Not one company's rate. All of them.
We walk you through your options in plain English. You choose what fits your family and your budget. Many families are approved the same day.
Most people think coverage costs three to five times more than it actually does. A $500K policy for a healthy 30-year-old runs about $25/month.
Source: LIMRA 2024 Insurance Barometer StudyWhen your family receives a life insurance payout, they typically owe zero federal income tax on the benefit. The full amount goes to protecting your family.
Source: IRS Publication 525Most claims are paid within 30 to 60 days of filing. Your family gets the financial support they need when they need it most.
Source: Industry average, NAIC dataNo obligation. No sales call.
We're brothers, licensed Texas insurance agents, and the founders of First Liberty Life. We don't have a billboard on I-35 or a jingle on the radio. What we do have is access to top-rated carriers, no incentive to push any single company's product, and enough sense to know that families deserve better than the runaround.
We work with top-rated carriers so we can find the right fit for every family -whether that's a $15/month term policy for a young couple or a $1 million policy for a family with a big mortgage and three kids in private school.
We're based in the Dallas-Fort Worth area. When you call us, you talk to us. Not a call center. Not a chatbot.
No obligation. No sales pressure. Just your real rate from top-rated carriers -because your family deserves the right price, not just the first one you find.
Or call us directly: (800) 555-1234
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