Term vs whole life insurance: compare 2026 premiums by age, cash value, conversion and taxes, plus a budget buyer checklist for Texas families. Whole life often costs more than term life. CIC agent checklist, cost examples and the questions to compare term and whole life.

Life insurance paid by employer is a real benefit, but rarely enough. Discover how employer-paid life insurance offers basic coverage, key insights on your benefits, and steps to ensure your family’s financial security. Learn how group-term coverage works, how it's taxed, and how to close the gap.

Can you take a loan from life insurance? Are there credit checks? Learn which policies qualify, how much you can borrow, how interest compounds, and when a lapse becomes a tax problem. Understand the benefits and potential tax implications today!

Discover essential life insurance steps for families in Texas. Protect your income, mortgage, and future with our thorough guide: "needs math", term vs. whole, child riders, TX contestability. Ron Hettler, CIC.

Discover the crucial role of insurance in family protection for Texans. Safeguard your future from unforeseen crises with the right coverage. Life, health, disability, home. Close gaps before crisis hits. Call (806) 798-7800.

Discover what term life insurance is and how it can protect Texas families. Get coverage for less than $35/month and secure your future! Term life insurance guide for Texas families 2026 — real Lubbock quotes, how to pick term and coverage, and why buying early saves thousands.

Learn what life insurance covers for Texas homeowners and families, how it pairs with homeowners insurance, and how to avoid costly coverage gaps in 2026. Young Texas families carry only 3.5x income in life insurance; experts say 10-15x. See what life insurance covers and how it pairs with home coverage.

Intro Discover Hettler Insurance Agency’s online platform tool for term life insurance, which allows users to obtain quotes, apply for policies, and compare rates from multiple insurance companies in a simple, convenient web tool @ GetLifePolicy.com (or simply click the link “Life Quote” at the top of any page of our website). The platform includes a user-friendly interface, quick turnaround times, and the ability to […]

Murder By the Numbers The need for life insurance in real life vs. horror movies. (Click to view full image)

The down and dirty answer to this question is almost always….MORE.  I’ve never met a widow or widower that said that their spouse had wasted money on life insurance.  I HAVE dealt with survivors scrambling to put enough money together just to get the deceased into the ground!

In the fall of 2009 I was called to send a life insurance proposal to my client on her husband.  She had asked for a couple of different amounts and was wondering what the cost would be for permanent coverage and term insurance.