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Life Insurance in Waco, TX

Life insurance pays a death benefit to your designated beneficiaries if you pass away during the policy term. Term life is typically the most affordable for healthy buyers in Texas; permanent (whole, universal, indexed) builds cash value but costs more. Most agents will run a needs analysis to size the policy.

Life insurance in Waco, TX: 24 licensed insurance agencies serve 145,341 residents in McLennan County. auto premiums average $1,730 per year — 5% below the Texas state average. wind + hail drives 55% of homeowner claims.

24 life insurance agencies in Waco

Within 15 miles of Waco, TX. Click any agency to view profile, contact info, and request a quote.

FI

Freeway Insurance

Waco, TX· 1.0 mi
Agency
Very Popular
3-5 agents

Freeway Insurance is a nationwide agency that offers a wide range of insurance products, including auto, homeowners, renters, life, motorcycle, and boat coverage. The Waco, Texas location provides support for policy questions via phone and online quotes, serving customers across all 50 states.

Spanish
AutoBoatCommercial GLHomeowners+4 more
Carriers: Confie (parent MGA), Progressive County Mutual, National General +3
View Agency
HI

High & Associates Inc

Hewitt, TX· 5.7 mi
Agency
New on InsurConnect
10+ agents26yr

High & Associates, Inc has been serving clients since 2000 as a full‑service independent insurance agency. They provide individualized advice and solutions for a range of insurance and risk management needs. Their professionals bring over 25 years of experience and work for the client, not the insurance carriers.

AutoBoatCommercial GLHomeowners+4 more
Carriers: AMFIRST INSURANCE COMPANY, AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT, THE, Aetna Dental Inc. +105
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HI

Higginbotham - Waco

Woodway, TX· 5.0 mi
Agency
New on InsurConnect
10+ agents20yr

Welcome to Higginbotham in Waco, your trusted partner for insurance and employee benefits solutions. At Higginbotham we believe in delivering tailored services that meet the unique needs of each client, providing personalized and values‑driven service across personal and business lines.

AutoHomeownersRentersLife+7 more
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FI

Freeway Insurance

Waco, TX· 2.9 mi
Agency
Very Popular
3-5 agents

Freeway is a nationwide insurance retailer that helps customers obtain auto, homeowners, renters, life, motorcycle and boat insurance among other products. The site offers an online quote tool and lists phone numbers for assistance. It serves all 50 U.S. states and provides a range of insurance options.

Spanish
AutoBoatCommercial GLHomeowners+4 more
Carriers: Confie (parent MGA), Progressive County Mutual, National General +3
View Agency
DI

Direct Auto Insurance

Waco, TX· 2.0 mi
Agency
Popular
3-5 agents

Direct Auto is a local insurance agency in Waco offering auto insurance, term life insurance, roadside assistance, and SR‑22 filing services. Agents provide flexible payment options and in‑person quotes at their H‑E‑B store location. The agency serves customers in Texas with a focus on car‑related coverage.

AutoCommercial GLHomeownersLife+2 more
Carriers: Direct Auto, National General Insurance Group
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SI

State Farm Insurance

Hewitt, TX· 6.5 mi
Agency
New on InsurConnect
10+ agents104yr

State Farm is a nationwide insurance and financial services company offering a wide range of products such as auto, home, renters, life, boat, and motorcycle insurance. Since its founding in 1922, the company emphasizes personalized protection and community involvement, serving millions of customers across the United States.

AutoHomeownersRentersCommercial GL+6 more
Carriers: State Farm
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KT

Kalynn Tindall - State Farm Insurance Agent

Hewitt, TX· 0.7 mi
Agency
Very Popular
1-2 agents

Kalynn Tindall is a State Farm insurance agent serving Waco and surrounding Texas communities. The agency offers auto, homeowners, renters, life, motorcycle and boat insurance and focuses on personalized service and community involvement.

Spanish
AutoBoatCommercial GLHomeowners+4 more
Carriers: State Farm
View Agency
DI

Direct Auto Insurance

Waco, TX· 3.4 mi
Agency
Popular
3-5 agents

Direct Auto is a car insurance agency located at 1428 Wooded Acres Dr Ste 110 in Waco, Texas. They offer auto insurance, term life insurance, roadside assistance, SR‑22 filings, and related products with flexible payment options. The agency serves English and Spanish speaking customers and has a rating of 4.7 from 224 reviews.

Spanish
AutoCommercial GLHomeownersLife+3 more
Carriers: Direct Auto Insurance, National General Insurance Group
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CH

Cathy Hammond - State Farm Insurance Agent

Hewitt, TX· 0.5 mi
Agency
Popular
1-2 agents26yr

Cathy Hammond is a State Farm agent in Waco, Texas, with over 26 years of industry experience and her own office since 2021. She serves the Waco‑McLennan County area and surrounding Texas regions, offering a range of insurance products in English and Italian. The agency is known for a high customer rating and community involvement.

Italian
AutoBoatCommercial GLHomeowners+4 more
Carriers: State Farm
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DI

Direct Auto Insurance

Waco, TX· 3.1 mi
Agency
Popular
3-5 agents

Direct Auto Insurance agency located at 119 Eastgate Plaza in Bellmead, Texas. It offers car insurance, term life insurance, SR‑22 filings, roadside assistance and other related products.

Spanish
AutoCommercial GLHomeownersLife+2 more
Carriers: Direct Auto Insurance, National General Insurance Group, NationSafeDriver +1
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HG

HighView Insurance Group

Waco, TX· 2.6 mi
Agency
Very Popular
1-2 agents

HighView Insurance is an independent agency based in Waco, Texas offering personal, health, and commercial insurance solutions. They shop multiple carriers to find the best rates and provide personalized, locally‑focused service.

Spanish
AutoHomeownersRentersUmbrella+3 more
Carriers: AETNA HEALTH AND LIFE INSURANCE COMPANY, Aetna Better Health of Texas Inc., Aetna Health Inc. +21
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JF

Joel Fuessel - Secured First Financial of Texas - Independent Agent

Woodway, TX· 4.7 mi
Agency
Very Popular
17yr

Secured First Financial of Texas is an independent life insurance agency based in Waco, Texas, established in 2009 and operating as an independent agency since 2016. It offers life insurance, mortgage protection, retirement annuities, physical gold and silver, and estate planning services across multiple states.

AutoCommercial GLHomeownersLife+2 more
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TS

Truett Insurance Services

Waco, TX· 0.2 mi
Agency
1-2 agents

We are committed to providing you, your business and your family with ideal insurance products, emphasizing service beyond the sale and offering specialized coverage including life insurance and various health plans.

AutoCommercial GLHomeownersLife+2 more
Carriers: AETNA HEALTH AND LIFE INSURANCE COMPANY, Aetna Better Health of Texas Inc., Aetna Health Inc. +27
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BI

Browder General Insurance Agency Inc

Waco, TX· 3.1 mi
Agency
Popular
1-2 agents59yr

Browder General Insurance Agency, Inc. is a family‑owned agency that has been serving Texans since 1967. The agency offers personal, commercial, and life‑and‑health insurance along with bonds, emphasizing personalized service and community focus.

AutoCommercial GLHomeownersLife+2 more
Carriers: ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY, ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY +171
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RK

Richard Kruger - State Farm Insurance Agent

Woodway, TX· 4.7 mi
Agency
Very Popular
1-2 agents21yr

Richard Kruger is a State Farm agent serving the Waco, Texas area since 2005, offering auto, homeowners, life, health, pet and business insurance along with financial services. The agency emphasizes community involvement, personalized service, and accessibility.

AutoCommercial GLHomeownersLife+2 more
Carriers: State Farm
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FI

Farmers Insurance - Jason Kirk

Woodway, TX· 3.1 mi
Agency
Popular

Licensed insurance agency in Woodway, TX; represents 1 carrier.

AutoCommercial GLHomeownersLife+2 more
Carriers: Farmers Insurance
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SA

State Farm Insurance Agent

Hewitt, TX· 4.7 mi
Agency
New on InsurConnect
104yr

State Farm is a nationwide insurance provider founded in 1922, offering auto, home, renters, life, health, and business insurance along with banking services. It serves millions of customers through a network of 19,000 agents.

AutoHomeownersRentersMotorcycle+7 more
Carriers: State Farm
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FI

Farmers Insurance - Jeff Holder

Woodway, TX· 3.9 mi
Agency
Very Popular

Licensed insurance agency in Woodway, TX; represents 1 carrier.

AutoCommercial GLHomeownersLife+2 more
Carriers: Farmers
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BW

Brian Wenzel - State Farm Insurance Agent

Woodway, TX· 5.1 mi
Agency
Popular
1-2 agents38yr

Brian Wenzel and his team focus on home, auto, life, and business insurance in Waco, Texas and surrounding areas. With over 38 years of experience as a State Farm® Insurance Agent, they prioritize developing lasting relationships with customers.

AutoBoatCommercial GLHomeowners+4 more
Carriers: State Farm
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MD

Matt Dill - State Farm Insurance Agent

Waco, TX· 6.2 mi
Agency
Very Popular
1-2 agents18yr

Matt Dill State Farm is a local insurance agency in Waco, Texas offering a wide range of personal and business insurance products. The agency has been serving the community since opening its doors in March 2008 and operates as a State Farm licensed agent.

Spanish
AutoBoatCommercial GLDisability+5 more
Carriers: State Farm
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IT

Insurors of Texas

Waco, TX· 0.5 mi
Agency
New on InsurConnect
3-5 agents

Insurors of Texas is an independent agency offering personal, business, and employee benefits insurance solutions, representing multiple carriers and providing services such as auto, home, life, commercial property, and liability coverage.

AutoCommercial GLCommercial PropertyHomeowners+3 more
Carriers: 4 EVER LIFE INSURANCE COMPANY, ACUITY, A MUTUAL INSURANCE COMPANY, AIG Assurance Company +336
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CA

Clint Allen - State Farm Insurance Agent

Woodway, TX· 6.7 mi
Agency
Very Popular
1-2 agents7yr

Clint Allen State Farm Agency in Hewitt, Texas offers a full suite of insurance options—including auto, homeowners, renters, commercial, life, motorcycle, and boat coverage—focused on personalized service and strong community ties.

Spanish
AutoBoatCommercial GLHomeowners+4 more
Carriers: State Farm
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MI

Mission Medicare Insurance

Waco, TX· 4.3 mi
Agency
Popular
1-2 agents

Mission Medicare helps clients master Medicare by offering Medicare Supplement (Medigap), Part D prescription drug plans, Medicare Advantage, and ancillary products such as life, dental, vision, and long‑term care coverage.

AutoCommercial GLHomeownersLife+2 more
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TC

Texas Life Insurance Company

Waco, TX· 0.2 mi
Agency
1-2 agents125yr

Founded in 1901, Texas Life is the oldest life insurance company domiciled in Texas, offering life insurance solutions for employees and families for over 120 years. They provide convenient payroll‑deduction purchasing, online account management, and claim support.

AutoCommercial GLHomeownersLife+2 more
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Frequently asked questions

How much life insurance do I need?

A common rule is 10-12x your annual income, plus enough to cover specific obligations like a mortgage, college costs, and final expenses. An agent can run a personalized needs analysis at no cost.

Term vs whole life -- what's the difference?

Term life covers a set period (10/20/30 years) and is the most affordable. Whole/universal life lasts your lifetime and accumulates cash value, but premiums can be 5-10x higher. For most consumers, term + investing the difference comes out ahead.

Do I need a medical exam?

Many term policies under $500K require only a health questionnaire. Larger policies and permanent products often require a paramedical exam (basic blood draw + measurements). Some no-exam products exist but cost more for the same coverage.