Brilliant Insurance — Back9 Platform — 130+ Carriers
Life Insurance Texas
Tell us your priority and Back9 instantly compares 130+ top carriers to find your best price. Term, IUL, Final Expense, LTC, Annuities — all in one place.
Questions? Call (940) 245-6001
Every Type Covered
Choose Your Priority — Back9 Finds Your Best Rate
Back9’s Quote & Apply™ platform asks what matters most to you, then instantly shops 130+ carriers. No middlemen, no guessing — just the best price for your need.
Term Life Insurance
Protect your family for 10, 20, or 30 years. $1 million in coverage from $40/month for healthy Texans. Instant quotes from 130+ carriers.
Get Term Life Quote →IUL — Tax-Free Retirement
Build tax-free retirement wealth with market-linked growth and a 0% floor. Never lose to market downturns. Compare IUL policies instantly.
Get IUL Quote →Whole Life / Permanent
Coverage that never expires, with cash value that grows tax-deferred. Pass wealth to your family guaranteed. Compare all permanent life options.
Get Permanent Life Quote →Final Expense
Cover funeral costs and leave money for loved ones. Guaranteed acceptance options available. $5K–$35K coverage, no medical exam.
Get Final Expense Quote →Life + Long-Term Care
One policy that pays your family a death benefit AND covers nursing home, assisted living, or home care costs. The most efficient way to protect both risks.
Get LTC Life Quote →No-Exam Term Life
Simple, fast, no doctor visit required. Apply entirely online in minutes. Perfect for busy families who want straightforward coverage right now.
Apply with Ethos Life →Common Questions
Life Insurance Texas — FAQ
How much life insurance do I need?
A common rule is 10–12x your annual income. For a family with a mortgage, kids, or a business, $500K–$2M in coverage is often appropriate. David will help you calculate the right amount for your situation — free, no obligation.
What if I have health issues — can I still get coverage?
Yes, in most cases. Back9 searches 130+ carriers, many of which specialize in high-risk applicants. Guaranteed-issue Final Expense insurance is available for ages 50–85 with no health questions at all. David will find your best option.
What’s the difference between term and whole life?
Term life covers you for a set period (10, 20, 30 years) at a lower cost — best for income replacement during working years. Whole life covers you forever and builds cash value — best for estate planning or wealth transfer. IUL is a flexible permanent policy with market-linked growth.
Can I get an instant life insurance quote?
Yes! Click “Find My Best Life Insurance” above. Back9 asks your priority, collects basic info, and instantly compares 130+ carriers. You can see real rates in under 5 minutes with no personal commitment.
130+ Carriers. One Advisor. Free.
I’m David Gustafson, licensed Texas life insurance advisor. I’ll use Back9 to compare every carrier for your situation and make sure you get the right coverage at the best price. No cost, no pressure.
David Gustafson — Licensed Texas Life Insurance Advisor
Free consultation. I use Back9 to shop 130+ carriers and find you the right life insurance at the lowest possible price — no sales pressure, ever.