Individual Life Insurance PoliciesLife insurance is the foundation of your Texas family's financial security. Dean & Draper can provide best individual life insurance plan to fit your needs. A well thought-out individual life insurance package safeguards your financial assets against the uncertainties of life, so you can protect your family's future.
While it is true that personal life insurance can help provide for the needs of your family and other dependents when you pass away, it's also important for someone starting out - or for someone who's starting over. As your experienced life insurance company, we can help you decide which policies best fit your situation in Houston, TX and throughout the United States.
Individual Life Insurance Policies include:
Term Life Insurance
Individual Term Life Insurance is generally less expensive and the least complicated type of individual life insurance available in Texas. It provides insurance protection at a low, fixed cost for a specified period of time (e.g. 1, 10, or 20 years). Once the specified coverage time has expired, you will have to re-apply for coverage, which may or may not remain at the original fixed cost. If you die within the term period, a death benefit is paid to your beneficiary.
Whole Life Insurance
Unlike term life insurance, an individual whole life insurance policy covers you for the rest of your life. To avoid the hassle of re-applying for term life insurance, whole life insurance requires you the policyholder pay a higher premium.
Universal Life Insurance
Just as with whole life insurance, individual universal life insurance protects you for life. Universal life insurance, however, offers the flexibility to adjust your premium and your death benefits.
Variable Universal Life (VUL) Insurance
Individual variable universal life insurance gives you the flexibility to adjust your policy based on your needs at any given time. Additionally, a VUL policy gives you opportunities to invest funds into stocks and bonds with the goal of growing for you and your beneficiaries.
You may request a whole life, universal life, variable universal life, or term life insurance quote below.