You're working toward important goals – paying off the house, helping your children through college, and planning for retirement. But life doesn't always go as planned. If something unexpected happens to you, will your family face financial hardship on top of their grief?
Life insurance helps protect the people you care about most. It ensures your family can focus on moving forward instead of worrying about finances during their most difficult time.
At LeBlanc Insurance Agency, we understand that every family has unique needs. Our experienced team in Pearland works with you to find the right life insurance solution, whether you're considering term life, whole life, or universal life coverage.
Let us help you protect what matters most to your family.
Life insurance comes in a few different forms, each designed to meet different needs and stages of life. Whether you’re looking for something temporary, lifelong, or flexible, understanding your options is the first step to finding the right fit. Here are three of the most common choices you may want to consider:
Straightforward, time-based coverage that helps protect your family during life’s most important seasons, like raising kids or paying off a mortgage.
Term life provides protection for a set period of time—often 10, 20, or 30 years. It’s a straightforward option that can cover major financial responsibilities like a mortgage or raising children. If you pass away during the term, your loved ones receive the benefit.
Lifelong protection with steady premiums and built-in cash value to support long-term financial planning.
Whole life insurance offers lifelong coverage with premiums that stay the same. It also builds cash value over time, which you can borrow against if needed. Families often choose this option for its stability and long-term financial planning benefits.
Flexible lifelong coverage that adapts as your needs change, with the added benefit of cash value growth over time.
Universal life provides permanent coverage with added flexibility. You may be able to adjust your premiums and death benefit as your needs evolve. It also builds cash value, making it a versatile option for people who want protection that adapts with life’s changes.
Life insurance isn’t one-size-fits-all. That’s why some policies may offer additional options—called riders—that let you tailor your coverage to your family’s needs. Here are a few that may be available for your next policy:
If you become too sick or injured to work, this rider may cover your policy’s premium payments. That way, your life insurance protection can stay in place while you focus on recovery.
With this option, you may be able to access part of your life insurance benefit if you’re diagnosed with a qualifying terminal illness. It can help with medical bills, household expenses, or other important needs during a difficult time.
If you face a serious health condition such as a heart attack, stroke, or cancer, this rider may provide funds to help with treatment or recovery costs. It gives you added financial flexibility when you need it most.
This rider may increase the benefit your loved ones receive if your passing is the result of a covered accident. It’s an extra layer of protection for life’s unexpected turns.
This rider can provide temporary life insurance coverage for your child until they reach adulthood. It’s a simple, affordable way to extend protection to your whole family.
For more than two decades, our dedicated team of local insurance professionals has proudly served the Pearland community. We understand the unique needs of our neighbors and are committed to providing personalized, trustworthy guidance every step of the way.
Our commitment to serving our clients is uncompromising. With a large and knowledgeable team of insurance professionals, we make it our mission to provide fast and reliable support whenever you need it. Whether you’re requesting a quote or have questions about your coverage, you can count on us for helpful guidance and honest advice. As your Pearland neighbors, we take pride in building lasting relationships and being there for you every step of the way—from your first policy to any changes you need down the road. Your peace of mind is our top priority, and we’re always here to help you feel confident and cared for.
We offer a wide range of insurance policies tailored to fit all your personal and professional needs. Whether you’re looking to protect your home, secure financial peace of mind for your family with life insurance, cover your car, or safeguard your business, we have you covered. Our comprehensive solutions include coverage for homes, life, auto, business, commercial policies, and so much more. No matter your stage in life or the size of your company, our team is here to help you find the right coverage, giving you confidence and security every step of the way.