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Not sure whether you should be looking at Term, Whole Life, or Indexed Universal Life? Start with our comparison guide. It explains temporary vs. permanent needs, D.I.M.E., children, workplace coverage, and why different people in the same household may need different types of coverage.
Read the comparison guide →Term Life
Large temporary needs and defined time horizons.
Whole Life
Permanent coverage with contractual guarantees and predictability.
Indexed Universal Life
Permanent coverage with flexible policy design and index-linked interest-crediting potential.
You don't need to know which policy to buy or exactly how much coverage you need before contacting us.
At Cleaver Insurance Agency, we start with your situation, not a product.
Who depends on your income? How much do you owe on your home? Do you have children or other family members to provide for? What coverage do you already have?
We'll help you estimate an appropriate coverage amount and duration, then compare suitable policy types and available premium estimates.
If you want to move forward, we'll guide you through the application and underwriting process.
You can review any offer before deciding whether to accept coverage.
There is no obligation to purchase simply because you request information or begin an application.
Read our guide: How to Get Started With Life Insurance in Texas →
Cleaver Insurance Agency is a licensed life insurance agency helping Texas families and business owners evaluate coverage for income replacement, mortgage protection, dependents, debt, and long-term financial needs. The right coverage can help provide financial protection for the people who depend on you if the unexpected happens.
Life insurance can provide a death benefit that helps beneficiaries address financial needs after an insured's death. Depending on the household, those needs may include replacing income, addressing a mortgage or other debt, paying final expenses, supporting dependents, or handling other financial obligations.
Life insurance premiums depend on factors such as age, health, coverage amount, product type, policy design, and underwriting. We can compare available options and explain what is guaranteed, what may change, and what the coverage would actually cost before you decide.
Certain life insurance policies may offer riders that allow eligible policyholders to access a portion of their death benefit during their lifetime following a qualifying terminal or chronic illness.
Availability, eligibility, qualifying conditions, benefit limits, costs and exclusions depend on the specific policy and rider.
Accelerated benefits generally reduce the death benefit remaining for beneficiaries. Some benefits may also be discounted or subject to fees.
These benefits are not a replacement for comprehensive health insurance or long-term care insurance.
Your agent can help confirm which riders are available with the policy you are considering.
Review My Life Insurance Options →Product availability, eligibility, benefits, riders and policy provisions may vary by state and applicant. Coverage is subject to underwriting, applicable policy terms, limitations and exclusions. Any policy guarantees are subject to the issuing insurer's financial strength and claims-paying ability. Preliminary premium estimates are not binding offers of insurance.
Common Life Insurance questions from Texas families and business owners, with straightforward answers from a licensed Texas insurance agency.
Term Life is commonly available with level-premium periods such as 10, 15, 20 or 30 years, depending on the insurer and product, with premiums that are generally guaranteed not to change during the selected period. Traditional Term does not build cash value and is commonly used for temporary needs such as income replacement, a mortgage, or dependent years. After the selected Level Premium Term Period ends, coverage may continue, but premiums may increase annually according to the policy terms. Whole Life and Indexed Universal Life are permanent options with different features, guarantees, and cash-value mechanics. Our full comparison guide explains the differences.
There is no universal coverage amount that works for every household. A useful starting framework is D.I.M.E., which stands for Debt, Income, Mortgage, and Expenses. We can use those obligations, along with existing individual or workplace Life insurance and other resources you want considered, to help identify a potential coverage gap. D.I.M.E. is a starting point for the conversation, not a required formula or a prescription for how much coverage you must purchase.
Workplace Life insurance should be included when calculating how much coverage you already have. Coverage amounts, portability, conversion rights, and what happens when employment ends vary by employer plan. Review the specific terms of your workplace coverage before deciding whether additional individual Life insurance may be appropriate.
Many people with common health conditions are still able to qualify for life insurance coverage, though the options and rates available will vary depending on the condition, how well it is managed, and other individual factors. A health condition does not automatically mean disqualification. A conversation with your agent is the best first step to understand what options may be available.
Permanent life insurance policies can build cash value over time that may be accessible through policy loans or partial surrenders, subject to policy terms and conditions. The tax treatment of policy loans, withdrawals, and surrenders can be complex and varies by situation. Consulting with a tax or financial advisor before accessing cash value is strongly advisable.
Coverage is available for both working and non-working spouses, as the economic value of a non-working spouse is often significant and frequently underestimated. Many insurers do not issue a standalone Term Life policy for children under age 18. Some Term Life policies may also offer a children's term rider under an adult policy, subject to eligibility, availability, limits, and policy terms. Permanent options such as Whole Life or Indexed Universal Life may also be available for a child, subject to underwriting, and can be a way to establish coverage while a child is young. Your agent can walk you through the options that fit your household.
When an insured dies, the beneficiary or representative should contact the insurance carrier or agency to begin the claim process. Required documentation and processing timelines vary by carrier, policy, and circumstances. Life insurance death benefits are generally received income tax-free under current federal tax rules, although individual circumstances can differ. Cleaver Insurance Agency can help beneficiaries understand the carrier's claim process and next steps.
Many businesses depend heavily on the person running them, which makes Life Insurance part of a broader protection conversation alongside your Business Insurance. We walk through why this matters in our article, Business Insurance Protects the Company. Who Protects You?
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