Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance…
the list and combinations seem endless. Do you know which life insurance policy type is right for you? At Echelon Insurance we can help. Our dedicated team of life insurance professionals understand Texas’s market and regulations and can find the right plan – or mixture of plans – for your specific needs.

Term Life Insurance Basics:

  1. 1Coverage for a “term” or period of your life.

  2. 2Lower premiums for higher coverage.

  3. 3Rates can change after specific terms expire.

  4. 4No equity – cannot be used as cash value.

Whole Life Insurance Basics:

  1. 1Exactly like it says – permanent, not for a specific period.

  2. 2Protection carries with you your whole life.

  3. 3Can build equity and have cash value.

  4. 4Higher premiums than term life, but can be more valuable in the long run.

Term and Whole Life Combined:

  1. 1Build lifelong base of whole live coverage.

  2. 2Supplement specific times of your life with term insurance.

When to choose term life?

Most people choosing term life have a strategy for long term net worth. They need specific coverage for a period of their lives to protect debt, loved ones, and children. For a homeowner with children it might make sense to have a term life policy to cover the mortgage and living needs until their children are old enough to provide for themselves – in this case the term would expire around the time your children move out.


(210) 338-6000

20742 Stone Oak Pkwy #105, San Antonio, Texas 78258