What Sets Us Apart

We understand that your employees and their benefits are important to you, but so is taking care of your bottom line. We handle the tough negotiations and deliver the best employee benefits solutions to meet your employee satisfaction & financial goals. We focus on the needs of you and your employees with a professional team prepared to answer questions and deliver the right solutions.

Life Insurance

Life Insurance Houston Texas

Life insurance is the foundation of your employees’ family’s financial security. The Freeman Agency can provide the 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 employees’ 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.

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. 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.

Contact us to schedule a benefits consultation today. We’ll compare and contrast policies for you to help you find the right solutions for your organization.