Life Insurance in Texas

Protect the People Who Matter Most

At DeShazo Insurance, we help individuals and families in Sugar Land, Katy, Fulshear, and throughout Texas plan for the unexpected. Whether you're just starting a family or thinking about estate planning, life insurance provides financial peace of mind when your loved ones need it most.


As an independent agency, we work with top carriers to help you compare term life, whole life, and universal life policies that fit your goals and your budget.

GET A QUOTE

What Life Insurance Cover

Our Houston-area clients often choose:

Income Replacement

Provides for your family’s financial needs if something happens to you

Debt Coverage

Pays off mortgage, loans, or final expenses

Future Planning

Supports college, retirement, or legacy goals

Business Needs

Key person or buy-sell agreement protection

Life Insurance FAQs

  • What’s the difference between term and whole life?

    Term covers you for a set number of years (e.g., 20 or 30), while whole life lasts your entire life and builds cash value.

  • How much life insurance do I need?

    We recommend 7–10x your income, but we’ll walk you through a needs analysis based on your family and financial goals.

  • Is a medical exam required?

    Not always. Some policies offer simplified underwriting or no-exam options based on age and coverage amount.

  • Can I get life insurance if I have a health condition?

    Yes. We work with multiple carriers and can often find options even with pre-existing conditions.

Protect What Matters Most

At DeShazo Insurance, we help you plan ahead with coverage that protects the people who matter most. Whether you’re exploring term life, whole life, or final expense options, we’ll guide you every step of the way.