FAQs: Our Insurance Agents | Texas Heritage for Living (2024)

Insurance and Finance

By Staci Parks 9.14.23

Texas Farm Bureau Insurance has more than 850 Agents who serve approximately half a million policyholders throughout the state. With those numbers, it might seem like it’s easy for policyholders to get lost in the shuffle. But it’s just the opposite with Texas Farm Bureau Insurance Agents.

Your Texas Farm Bureau Insurance Agent is always there. As Texans weathered the COVID-19 pandemic, our Agents were there serving their communities remotely. Family and community are two of Texas Farm Bureau Insurance’s most important pillars. In the past, Agents have shared their families’ most cherished Thanksgiving traditions and holiday memories.

Helping you is their top priority, whether it’s talking through life insurance options or getting the right coverage for your farm or ranch. Here are some of the most frequently asked questions about Texas Farm Bureau Insurance Agents.

Q: What makes Texas Farm Bureau Insurance Agents stand out?

A: Texas Farm Bureau Insurance Agents are your neighbors. Literally! When you talk to an Agent, you’re talking to someone who lives, works, and recreates in the same area you call home. That proximity makes Texas Farm Bureau Insurance Agents experts at serving you and understanding your unique needs in your slice of the Lone Star State. Also, Agents strive to be champions of their communities, offering a helping hand when their neighbors need it most and supporting local organizations and causes. Simply put: Texas Farm Bureau Insurance Agents have what it takes to efficiently and empathetically serve Texas Farm Bureau members.

Q: What are the benefits of having an insurance Agent?

A: Your Agent can offer you their wealth of knowledge and experience. Here are some of the top benefits of having an insurance Agent on your side:

  • Save time — and money. With an Agent, you’ll have one-stop-shop access to the coverage you need, and you might be able to save some money by bundling coverage.
  • Identify your needs. It’s OK if you don’t know where to start. Every day, Agents help Texans across the state figure out their needs and gaps in coverage.
  • Access to expert advice. Instead of Googling your way to an answer that may — or may not — be correct, give your Agent a call. They can answer your question or talk through your predicament, whether you’re renovating your home or buying your teen driver a car.
  • Personalized customer service. One of the best things about working with a Texas Farm Bureau Insurance Agent is the personal touch. There’s no calling an 800-number and waiting for a response. Agents put you, and your needs, first.

Q: What can my Agent help me with?

A: Your Texas Farm Bureau Insurance Agent can help you understand your insurance policies and what type of coverage might be most beneficial for you. Agents are experienced and well-versed in the following types of coverage:

Agents can also help you get a quote for coverage and guide you through the logistics of the claims process should you need to file one.

Q: What questions should I ask my Texas Farm Bureau Insurance Agent?

A: Your Agent wants you to ask questions about your coverage. Sometimes, this might come in the form of a 360 Review. Other times, it’s a by-product of casual conversation. Consider asking your Agent these questions:

  • “Now that I’ve got my insurance, do we need to meet?” A regular check-in with your Agent is key to keeping your policies up to date and properly serving you. An annual 360 Review is a great way to do this.
  • “What is my deductible?” When it comes to understanding your insurance policy, no question’s too basic to ask. Some policyholders don’t fully grasp deductibles or how they work — until it’s time to pay it.
  • “Do I have enough life insurance?” How much life insurance you need depends on several factors, ranging from age to assets. Your Agent can help you determine the amount that best fits your needs.
  • “What does my property insurance policy cover?” Don’t wait until it’s time to file a claim. Know what your policy does — and doesn’t — cover before you need it. Also, if you’re making rounds at open houses, make sure to ask your Agent critical questions before buying a new home.

Q: What’s the best way to reach my Texas Farm Bureau Insurance Agent?

A: There are several ways to reach your Agent, including stopping by your local bureau. But to ensure you get plenty of one-on-one time with your Agent, it’s best to schedule an appointment with them in advance. Here are some other ways to reach your Texas Farm Bureau Insurance Agent:

  • Phone and email. Find your Agent’s phone number and email through Texas Farm Bureau Insurance’s “Find An Agent” directory.
  • Facebook. Many Agents have an official Texas Farm Bureau Insurance Facebook page. You can connect and message your Agent there, too.
  • Video calls. This method was predominantly used throughout the pandemic. If this is still your preferred way of communicating, ask your Agent about setting up a video call.

Having access to an Agent is one of the many advantages of having a Texas Farm Bureau membership. Learn more about what Texas Farm Bureau membership can do for you and your family.

© 2023 Texas Farm Bureau Insurance

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FAQs: Our Insurance Agents | Texas Heritage for Living (2024)

FAQs

How much does it cost to get a life insurance license in Texas? ›

If you want to apply for an agent license:

You must complete your fingerprints and then submit an application within one year of passing the exam or you will need to retake the exam. You must apply online by using Sircon or the National Insurance Producer Registry. The application fee is $50.

Does it make sense to have two health insurance plans? ›

Multiple plans can offset more costs, increasing your savings when receiving healthcare. For example, your primary insurance might only cover 80% of a specific procedure. If your secondary insurance covers the rest, you bear no cost.

What kind of insurance is Texas Life? ›

Texas Life brings you valuable permanent life insurance to help meet your clients' needs.

Which insurance is primary when you have two? ›

Usually, your employer's plan is primary. If you also are covered by your spouse's plan, that plan is usually secondary. There are other rules for many other situations. A special case may come up if you have both medical and dental insurance, and you have a procedure such as oral surgery.

Is Texas life insurance exam hard? ›

Whether you're going for your Property and Casualty license in Texas or your Life and Health insurance license in Texas, the exams are challenging. Put yourself on a strict schedule as you do your exam prep work.

How much do life insurance agents make a year in Texas? ›

The average life insurance agent salary in Texas is $75,000 per year or $36.06 per hour. Entry level positions start at $50,000 per year while most experienced workers make up to $105,000 per year.

Do you pay taxes on life insurance in Texas? ›

A life insurance policy benefit is usually paid to the beneficiary in a lump sum, which isn't taxable. However, there are situations when life insurance becomes taxable. A life insurance beneficiary may receive the policy amount in installments. If so, the benefit is placed into an account that can accrue interest.

Is Texas Life insurance a good company? ›

Texas Life consistently receives high ratings for claims paying ability and financial strength as confirmed by our A.M. Best rating of A+ (Superior).

Who is the top five life insurance company? ›

Top life insurance companies
CompanyBest forAM Best Financial Strength Rating
NationwideCustomer satisfactionA (Excellent)
Northwestern MutualUniversal life insuranceA++ (Superior)
PrudentialPolicy personalizationA+ (Superior)
State FarmTerm life insuranceA++ (Superior)
3 more rows

How do deductibles work when you have two insurances? ›

The other plan can pick up the tab for anything not covered, but it won't pay anything toward the primary plan's deductible. If both plans have deductibles, you'll have to pay both before coverage kicks in. You don't get to choose which health plan is primary, meaning the one that pays first.

Can I have Medicare and employer coverage at the same time? ›

The employer may offer coverage when you have Medicare, like a supplemental plan, drug coverage, or Medicare Advantage Plan. If they do, ask if you or your family will lose your retiree coverage if you join a plan the employer doesn't offer.

How do you determine whose insurance is primary? ›

Example: Patient's mother's birthday is October 11, and patient's father's birthday is April 24. In this case, the father's insurance would be the primary insurance and the mother's insurance would be the secondary. If the parents share a birthday, the primary plan would be the plan which has been effective longer.

How long does it take to get your life insurance license in Texas? ›

How long does it take to process a life insurance license application in Texas? This process typically takes one to five business days. You'll receive an email once the TDI's Agent & Adjuster Licensing Office reviews your application.

How much does it cost to take Texas insurance license exam? ›

Cost
ExaminationCostTime Allowed
General Lines – Life, Accident & Health$43150 Minutes
General Lines – Property & Casualty$43150 Minutes
Life Agent$33120 Minutes

How much can you make with insurance license Texas? ›

Licensed Health Insurance Agent Salary in Texas
Annual SalaryMonthly Pay
Top Earners$119,717$9,976
75th Percentile$90,800$7,566
Average$60,273$5,022
25th Percentile$39,600$3,300

How much does life insurance cost in Texas? ›

Average life insurance rates in Texas

Based on Policygenius data from 2023, the average monthly premium for a relatively healthy 35-year-old in Texas buying a $500,000, 20-year term life insurance policy is $27 per month ($307 per year) for women and $32 per month ($373 per year) for men.

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