Life Insurance Companies in Texas
Texas residents can buy life insurance from every insurer in our directory under their standard company names. None of the companies we list has its head office in Texas. Even so, several of them, including New York Life and Guardian, have their life claims P.O. boxes in Dallas or El Paso.
The Texas Department of Insurance (TDI) handles questions and complaints and usually responds to a complaint within about 60 days. TDI’s consumer guide says insurers must pay a death benefit within two months of receiving proof of death. Life policies in Texas also have a 31-day grace period for late premiums. For lost policies, TDI recommends the NAIC Life Insurance Policy Locator.
Guaranty association limits apply only if an insurer becomes insolvent. They are set by state law and can change; check the association's website for current figures.Life insurance companies serving Texas
Insurer Company issuing policies in Texas Customer service Claims Guardian Life The Guardian Life Insurance Company of America 1-888-482-7342 1-866-452-4542 John Hancock John Hancock Life Insurance Company (U.S.A.) 1-800-732-5543 1-888-887-2739 Lincoln Financial The Lincoln National Life Insurance Company 1-800-487-1485 1-800-487-1485 MassMutual Massachusetts Mutual Life Insurance Company 1-800-272-2216 1-800-272-2216 New York Life New York Life Insurance Company 1-800-225-5695 1-800-225-5695 Northwestern Mutual The Northwestern Mutual Life Insurance Company 1-866-950-4644 1-800-635-8855 Pacific Life Pacific Life Insurance Company 1-800-347-7787 via customer service Prudential Financial Pruco Life Insurance Company 1-800-778-2255 via customer service State Farm State Farm Life Insurance Company 1-800-782-8332 1-877-292-0398 Transamerica Transamerica Life Insurance Company 1-800-851-9777 via customer service
Texas regulator and consumer protection
Insurance regulator Texas Department of Insurance (TDI) Consumer hotline 1-800-252-3439 File a complaint Complaint page Find a lost policy NAIC Life Insurance Policy Locator Guaranty association Texas Life and Health Insurance Guaranty Association Death benefit protection $300,000 Cash value protection $100,000 Annuity protection $250,000 Overall cap $300,000 per life Free-look period (life) At least 10 to 20 days, depending on the policy
