People often don’t know where to start when searching for Houston life insurance. Should you start your search in a brick and mortar life insurance office, or should you start your search on the web? Most brick and mortar offices are your nationally recognized car insurance agencies that also happen to sell life insurance. Although these locations have very good prices for car insurance, they are often the most expensive places to go for life insurance. One reason why they have more expensive policies is because of dividend payments to the policy owner (these payments are not guaranteed). Dividend payments can be converted to additional coverage. Over time, these small additions of coverage can really add up. However, you can forgo this expensive feature with a non participating policy (no dividend payments).
Non participating policies are very common outside the brick and mortar agencies. With a non participating policy, you choose the amount of coverage you want and that amount never changes. Contact us if you need to review your options for Houston life insurance.