Licensed Life & Health Insurance Agent · Serving clients by phone · Se habla español
Mon–Sat 9am–7pm CT · (214) 622-5366
Licensed Life & Health Insurance Agent · Serving clients by phone · Se habla español
Mon–Sat 9am–7pm CT · (214) 622-5366
Life insurance
By Enok Columbie, licensed Life & Health agent · NPN 16449444 · Updated November 2026
Whole life insurance can be worth it if you want coverage that lasts your whole life, premiums that generally stay level and cash value that builds over time. It costs more than term life, so it may not be the best fit if you only need coverage for a set number of years.
Term life covers you for a set number of years and usually costs less at first, but it can end before you need it, and options can be limited or expensive at older ages. Whole life is built to last.
Cash value is part of an insurance policy, not an investment account. We can explain how it works for each policy before you apply.
It can be, especially for seniors who want permanent coverage for final expenses or to leave money to family. Rates vary by age, health, state and plan.
It depends on your age, health, the amount of coverage, the company and your state. A licensed agent can compare quotes from several companies for you.
You may be able to surrender a policy for its cash value or borrow against it. Surrendering ends the coverage, and loans reduce the death benefit.
Free phone review
Tell us a little about you and a licensed agent — not a call center — calls you back at the time you choose. No cost, no obligation, English or Spanish.
What to expect
We call you back the same business day, Mon–Sat 9am–7pm CT.
We look at your needs and compare plans from several carriers.
Apply by phone if it fits. We stay your agent after you enroll.
“I started this agency so seniors could talk to one licensed person who explains the options and respects the budget — in English or Spanish.”
Enok Columbie, Founder · Licensed Life & Health agent
Tell us a little about you and a licensed agent will call you back.
Free, no-pressure phone review in English or Spanish.
