--- title: Texas Life Insurance Rates | TWFG Insurance Services in The Woodlands, Texas description: Peace of mind is what you need when you purchase a life insurance policy. Jenkins Insurance has the answers to the questions you have about life insurance in The Woodlands, and all of Texas. Let us help you with your life insurance needs. --- # Life Insurance ## from Jenkins Insurance * * * Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone. Don’t leave the future of you and your loved ones to chance. Jenkins Insurance can help you find the right Texas life insurance coverage for you, and help ensure that your policy continually meets your needs. ## Life Changes. So Should Your Policy For each of our neighbors in Texas, the right life insurance will be unique and dependent on personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Some life transformations that may require a policy “tune-up” include: - You recently married or divorced - You have a new child or grandchild - You have opened or expanded a business - Your health or your spouse’s health has deteriorated - You are providing care or financial assistance to a parent - Your child or grandchild requires assistance or long-term care - You recently purchased a new home - You are planning for a child or grandchild’s education - You are concerned about retirement income - You have refinanced your home mortgage in the past six months - You or your spouse recently received an inheritance - You have a sizable estate ## What You Need to Know Jenkins Insurance can help you select the best life insurance coverage for your needs. There are several different types of life insurance products available – the most common include: - **Term Life Insurance** Term life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent (whole) life insurance, and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 20-year (level term) period. Furthermore, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change. - **Whole Life Insurance** Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time. - **Universal Life Insurance** Universal life is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage. What type of life insurance is best for you? Talk with the team at Jenkins Insurance. We can assist in identifying the best protection for you. ## Advantages of Life Insurance Having the right life insurance is essential to planning for your present and your future. Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living. **Life Insurance Death Benefit** - When you pass away, your life insurance provides income (tax-free) to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes, or virtually any financial need. Your policy can help provide security for your business as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation. **Living Benefits** - The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home. The right life insurance coverage for each and every one of our customers in Texas is unique. Talk with the Jenkins Insurance team today to find out how to protect your family and your future with the right life insurance. * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/life-insurance/quote) ## Insurance Partners [Allstate — Chubb — Foremost — Genworth — Hagerty — Hartford — Liberty Mutual — National General — Nationwide — Philadelphia Insurance — Progressive — Safeco — Stillwater Insurance Group — Transamerica — Travelers — Atlas General — Principal — Prudential — USLI — Wellington — Wright Flood — Zurich — American Risk — GEICO — Elephant — Allied Trust — SURE — SafePort — Twico — Universal North America — Homeowners of America — Jewelers Mutual — AIG Private Client — PURE — Texas Windstorm — Texas Fair Plan — Swyftt — Occidental Fire & Casualty Insurance — FEMA](/insurance-companies) ## Connect Online - [Facebook](https://www.facebook.com/JenkinsInsuranceTWFG/) - [LinkedIn](https://www.linkedin.com/in/chris-jenkins-74991bb/) ## Frequently Asked Questions About Life Insurance in Texas What is life insurance used for? Life insurance is often used to provide financial support to beneficiaries after the insured person passes away. It may help address expenses such as income replacement, debts, or final costs. It is commonly part of broader financial planning. What is the difference between term and whole life insurance? Term life insurance is designed to last for a specific period, while whole life insurance is structured to provide lifelong coverage. Whole life policies may also include a cash value component. These options are structured differently based on long-term goals. How much life insurance do I need? Coverage amounts are often based on factors like income, debts, and long-term financial goals. Many people choose an amount that may help support dependents and cover major obligations. Who typically considers life insurance? Individuals with dependents, shared financial responsibilities, or long-term obligations often consider life insurance. This may include families, homeowners, or business owners. How do life insurance needs change over time? Life insurance needs often shift with changes such as income growth, family size, or major financial commitments. Life events can affect how much coverage is considered and for how long. Many people reevaluate coverage as their situation evolves. ## Get Your Free Life Insurance Insurance Quote [Start Here](/life-insurance/quote) ## From Our Blog [**How to Protect Business Equipment That Travels Off-Site** — Many businesses rely on equipment that does not stay in one location. Contractors transport tools between job sites, photographers carry expensive cameras, technicians travel with specialized equipment, and businesses may regularly move computers, machinery, or other property. — Once equipment… — Sep 3](/blog/2026/how-to-protect-business-equipment-that-travels-off-site) [**What to Consider Before Installing a Home EV Charger** — Charging an electric vehicle at home can make ownership more convenient, but installing a home EV charger involves more than simply mounting equipment in the garage. Electrical capacity, charger type, installation location, local requirements, and long-term use should all be considered before work… — Sep 3](/blog/2026/what-to-consider-before-installing-a-home-ev-charger) [**How to Protect Your Home During a Power Outage** — Power outages can happen with little or no warning and may last anywhere from a few minutes to several hours or longer. While most outages are temporary inconveniences, they can also create risks for appliances, electronics, food, plumbing, and other parts of your home. — A little preparation can… — Aug 27](/blog/2026/how-to-protect-your-home-during-a-power-outage) [View all articles](/blog) ```json {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is life insurance used for?","acceptedAnswer":{"@type":"Answer","text":"Life insurance is often used to provide financial support to beneficiaries after the insured person passes away. It may help address expenses such as income replacement, debts, or final costs. It is commonly part of broader financial planning."}},{"@type":"Question","name":"What is the difference between term and whole life insurance?","acceptedAnswer":{"@type":"Answer","text":"Term life insurance is designed to last for a specific period, while whole life insurance is structured to provide lifelong coverage. 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