Don Wright Insurance CompanyDon Wright Insurance Agency

Call us Today! 713-465-3200

Life and Financial Services

Life insurance can be an important part of your financial strategies, helping to ensure a more secure financial future for your loved ones when you're gone. Not only does life insurance help cover unexpected final expenses—it can also provide your family with a financial safety net or even serve as an inheritance.

Types of Life Insurance

Term Policy
Offers coverage for a specified amount of time.

  • Includes a death benefit for named beneficiaries. Although, if during that specified time period you do not pass away, there is no death benefit and premiums are typically nonrefundable.
  • May renew or extend coverage or convert into a permanent policy.

Permanent Policy
Offers coverage until end of life as long as premiums are paid.

  • The perk of permanent policies includes the separate savings component that you may be able to access while still alive along with the death benefit for named beneficiaries. This cash value component accumulates over time on a tax-deferred basis.

Types of Permanent Coverages

  • Whole Life
    Premium and death benefit stay fixed during duration of policy with a guaranteed rate of return for cash savings. Assists in preserving estate/wealth you plan to give to your beneficiaries.
  • Universal Life
    Allows you to increase death benefit or reduce monthly premiums once a sufficient amount of cash value is accumulated. Assists in long term income replacement even beyond working years and preserving estate/wealth for beneficiaries.
  • Variable Universal Life
    Provides a variety of investment options that may increase or decrease the cash value of your policy.
  • Indexed Universal Life
    A policy in which there is no fixed interest rate on cash value which in turn could increase the potential for greater gain or losses from your investment.

Why Now?

Life insurance can assist in the many different stages throughout your life including:

  • Starting your career
    • Maintain coverage and lower rates regardless if you change jobs or lose employer coverage
    • Protect co-signers or family from student debt should anything happen to you
    • Ensure the people you love most are protected
  • Growing Your family
    • Provide income to handle expenses if something happens to you
    • Assist in making sure your family can stay in your home
    • Covers college expenses or pay off education debts
    • Leave money for family that is free from federal income tax
  • Raising children on your own
    • Provide financial stability to help protect the life you envision for your children
    • Covers educational costs and even college
    • Better prepares those who will be counted on to help raise your children should
    • Set the foundation for your financial plan and future protection
  • Nearing retirement
    • Protect co-signers, children or grandchildren from debt should anything happen to you
    • Make sure your future is financially protected
    • Cover unexpected long term care or final expenses
    • Leave an inheritance behind
  • Living in Retirement
    • Assists in paying for final expenses such as estate administration and burial costs
    • Provides emergency funds in which you can borrow or withdraw from a life insurance policy that carries cash value to provide funds when you need it
    • Help replace retirement income for couples relying on social security or a pension
    • Helps offset unexpected medical costs if you are diagnosed with a terminal illness

Call us today to have a peace of mind for you and your family!

Call us Today! 713-465-3200

Hours of Operation

Monday - Thursday 9am - 6pm
Friday 9am - 5pm
Saturday & Sunday: Closed

Address

1500 Brittmoore Rd., Ste 301
Houston, TX 77043

Contact

713-465-3200
insurance@donwright.net

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