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Life insurance and annuity agent serving all of Texas
Independent agent for term life, indexed universal life (IUL), annuities and retirement income planning in Texas. We compare multiple carriers and meet by phone and video anywhere in Texas.
Short answer: TrueFin Services is an independent life insurance and annuity agency licensed in Texas. We compare term life, IUL and annuity options from multiple highly rated carriers for Texas families, from Houston and Dallas to Austin and San Antonio, then help you apply.
Why people in Texas work with us
- Texas has no state income tax, so retirement planning focuses on federal taxes and tax-free buckets
- Fast-growing suburbs like Frisco, Katy and Round Rock mean new mortgages and young families
- Energy and tech professionals often rely on group life that ends with the job
- Business owners use life insurance for buy-sell, key person and premium financing plans
What we offer in Texas
Your consumer protections in Texas
- Regulator: the Texas Department of Insurance licenses agents and insurers and handles consumer complaints.
- Free look: every new life insurance policy and annuity comes with a free-look period, usually at least 10 days and often longer for seniors and replacements, when you can cancel for a refund. We point it out in your contract.
- Guaranty association: Every state has a life and health insurance guaranty association that protects policyholders if an insurer fails. In most states that means at least $300,000 in life insurance death benefits, $100,000 in cash value and $250,000 in annuity benefits, per person, per insurer.
Agent tip: Your rate is locked to your age and health on the day you apply. Waiting a year usually costs more than the policy itself.
Texas life insurance and annuity questions
Are you a licensed life insurance agent in Texas?
Yes. Nagendra (Nag) Sonti is licensed to sell life insurance and annuities in Texas. You can verify any agent's license with the Texas Department of Insurance or through the NAIC's national lookup.
Can I buy term life or IUL in Texas without meeting in person?
Yes. We meet by phone and video anywhere in Texas. Applications are signed electronically, and many healthy applicants qualify without a medical exam.
How much does life insurance cost in Texas?
Price depends mostly on your age, health, tobacco use, the coverage amount and the term length, not your city. A healthy 35-year-old can often get $500,000 of 20-year term for less than a monthly phone bill. We compare several carriers to find your best rate.
Can I roll my 401(k) or IRA into an annuity in Texas?
Yes. A direct rollover into a fixed or fixed indexed annuity avoids taxes and the 20% withholding. We help Texas residents compare annuity rates, surrender periods and income options.
What protects my policy if an insurance company fails in Texas?
Every state has a life and health insurance guaranty association that protects policyholders if an insurer fails. In most states that means at least $300,000 in life insurance death benefits, $100,000 in cash value and $250,000 in annuity benefits, per person, per insurer. Limits vary by state; see nolhga.com for details.
What if I move out of Texas?
Your policy or annuity stays in force when you move. We can keep serving you in any state where we are licensed, and we add licenses as clients need them.
Your price is based on your age and health today.
A free 10-minute call shows exactly where you stand. Straight answers, no obligation.