If you've been putting off life insurance because you think it's too expensive, the real numbers might shock you.
Term Life Insurance Costs in Houston
A healthy 35-year-old in Houston can secure a $500,000 20-year term life policy for as little as $25–$35/month. That's less than most people spend on streaming services combined.
Factors That Affect Your Premium
- Age — the younger you start, the cheaper it is
- Health history and current health
- Tobacco use
- Coverage amount and term length
- Type of policy (term vs. whole vs. universal)
Term vs. Whole Life
Term life is pure protection for a set period and is typically the most affordable. Whole life builds cash value but costs significantly more. For most Houston families, term life provides the best bang for the buck.
Don't Wait
Every year you wait, premiums increase. A policy that costs $30/month at 35 could cost $60+/month at 45. The best time to buy was yesterday—the second best time is today.
Contact Steve Soyebo Insurance Agency at (832) 934-9090 for a no-pressure life insurance consultation.
