Life Insurance · Houston, TX
PROTECT THE PEOPLE WHO COUNT ON YOU.
Life insurance helps your family keep up with the mortgage, the bills, and the plans you made together if something happens to you. I'll help you find the right type and amount.
Coverage overview
What life Insurance Covers
Every family is different. I'll help you choose the type and amount of coverage that fits, without paying for what you don't need.
Term Life
Protection for a set number of years, like until your kids are grown or your mortgage is fully paid.
Whole Life
Coverage for your whole life with level premiums, as long as payments are kept up. It never expires.
Final Expense
A smaller policy to help cover funeral costs and final bills, so your family isn't left paying them.
Mortgage Protection
Coverage sized to your home loan, so your family can stay in their home if something happens to you.
Stay-at-Home Parents
Coverage for a stay-at-home parents, whose childcare and work at home would cost a family to replace.
Riders and Add-ons
Optional add-ons, like getting part of the benefit early if you're diagnosed with a serious illness.
Who It's For
Parents with young kids.
Homeowners with a mortgage.
Anyone whose income supports a family.
People whose only life coverage is through work.
Good To Know
The payout usually isn't taxed as income. Life insurance proceeds paid to a beneficiary because the insured person died generally aren't included in gross income.
Term and whole life work differently. Term covers you for a set period. Whole life covers you for life as long as premiums are paid.
Source: IRS; NAIC Life Insurance Buyer's Guide
How It Works
Step 1
Tell Me Who You Protect
Share your age, who relies on you, your mortgage and debts, and any coverage you have from work.
Step 2
I Shop Several Carriers
I shop several carriers for you and walk you through what each quote covers, not just the price.
Step 3
You Choose, I Handle It
Pick the option that fits. I handle the paperwork, then review your coverage with you each year.
Frequently Asked Questions
COMMON QUESTIONS
How much life insurance do I need?
It depends on your income, debts, mortgage, and who depends on you. I'll walk through it with you instead of using a one-size-fits-all formula.
What's the difference between term and whole life?
Term covers you for a set number of years. Whole life covers you for life as long as premiums are paid, and it usually costs more.
Is my life insurance through work enough?
It may not be. Coverage through work is often limited and usually ends when you leave the job, so many people add a personal policy.
Do I need a medical exam?
Not always. Some policies only ask health questions. I'll tell you which options fit your situation.
Can I get coverage with a health condition?
Often, yes. Options and prices depend on the condition and the carrier, and I'll shop several to find what fits.
OFTEN PAIRED WITH
Life insurance is one piece. These are the coverages families often add alongside it.
Health Insurance
Coverage for doctor visits, prescriptions, and care for your family.
Home Insurance
Protects the home your life coverage helps your family keep.
Employee Benefits
Group life, health, and more for business owners with a team.
TALK TO KEVIN
Questions About Your Life Insurance?
Let's find 30 minutes to look at what you have and what you actually need. No pressure, in English or Spanish.
HOURS
Mon to Fri 9am to 6pm
Helping Houston families and business owners protect what matters most, with real guidance, not just rates.
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Caballaro Agency provides insurance products and services. Insurance products are not securities and are not offered through World Equity Group, Inc. For information regarding securities and investment advisory services, please contact Kevin Caballaro directly. Securities and investment advisory services offered through World Equity Group, Inc. Member FINRA and SIPC, a Registered Investment Adviser. Exponent Prosperity Accelerator Advisors, LLC & SMART Group Houston is not owned or controlled by World Equity Group, Inc.
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