Protect What Matters Most
Life insurance coverage is more than just money, it’s about truly protecting your loved ones from financial harm, shielding your business from dissolving, and preserving your legacy for many years to come should something happen. Here at The Lambert Agency, we simplify life insurance coverage and create a stress-free process to best assist you when you’re seeking out coverage. Whether you need affordable term coverage, or long-term strategies such as Indexed Universal Life policies, we’re here to help design a truly custom plan which aligns with your goals and lifestyle.
Why Choose The Lambert Agency?
- Carrier Options, One Agency: We help our clients by shopping across multiple highly-rated life insurance companies to locate the best level of coverage with the best pricing
- Custom Coverage: Whether you have a young family, or you’re an established business owner, we’re able to match a variety of life insurance policies to your unique needs and goals
- Easy to Understand Guidance: We explain the differences between term life insurance, whole life insurance, and permanent policies clearly so you can truly understand the differences between each offering
- Flexible Solutions: Protecting your family, funding your retirement, or providing benefits for your business is something everyone should consider
Types of Life Insurance We Offer in Austin, TX
When you choose to work with The Lambert Agency, you can select from:
- Term Life Insurance: Very affordable protection for a set period of time, usually 10-40 years, and is ideal for mortgage protection, income replacement, or young families with children
- Whole Life Insurance: Lifetime coverage with guaranteed premiums and accrued cash value
- Indexed Universal Life (IUL) Policies: Flexible forms of coverage with tax-advantaged cash accumulation similar to a pension plan
- Guaranteed Universal Life (GUL): Lifetime protection at competitive rates
- Survivorship (Second-to-Die): Covers two people (typically spouses), often used in estate planning and survivorship planning
- Business Life Insurance: “Key-Person Coverage”, “Buy-Sell Agreements”, and Executive Bonus plans are covered in these forms of business-focused life insurance
- Final Expense Insurance: Simplified, streamlined coverage to handle associated funeral and end-of-life costs
Our 3-Step Process
- Tell Us Your Goals: Protect your family, build your wealth, or fund your retirement
- We Shop Around for the Best Carriers: The Lambert Agency locates the right fit at the right price for your specific needs and goals
- Gain Peace of Mind: Life insurance coverage issued with clear terms and annual policy reviews built in
FAQs
How much life insurance do I need?
This ultimately depends on your income, your debts, and your goals. The Lambert Agency is happy to run a needs-based analysis to best determine the right amount of life insurance coverage for you and your family to remain financially protected.
Can I receive coverage without a medical exam?
Yes. Many carriers nowadays offer simplified issue or accelerated underwriting options for life insurance coverage, typically term life insurance.
Does life insurance build cash value?
Some life insurance policies, such as Whole Life and IULs, do. However, term life insurance coverage does not, yet it provides the lowest-cost premiums.