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DON'T DELAY CALL NOW: 254.550.1343

DON'T DELAY CALL NOW: 254.550.1343

  • HOME
  • WHY LIFE INSURANCE
  • TYPES OF COVERAGE
  • ABOUT US

INSURANCE MADE SIMPLE. PROTECTION MADE PERSONAL.

 Coverage That Fits Your Life   

There's much to see here. So, take your time, look around, and learn all there is to know about us. At My Essential Coverage, we believe getting the right life insurance shouldn’t feel overwhelming. Our expert team takes the time to understand your unique needs, lifestyle, and goals—then builds a plan that fits you.


✔ Custom-tailored coverage

✔ One-on-one guidance from real agents

✔ Peace of mind for you and your loved ones


We’re not just here to sell a policy—we’re here to help you protect what matters most. Let us simplify the process and secure your future with coverage that truly works for you.


Your life. Your plan. Our priority. We hope you enjoy our site and take a moment to drop us a line.

Find out more

Frequently Asked Questions

Please reach us at customerservice@myessentialcoverage.com if you cannot find an answer to your question.

We offer a range of insurance products including Whole life, Indexed Universal Life, Term Life, Accidental, Childrens Life, Final Expense, Mortgage Protection.


 

1. Access to Multiple Insurers & Products

  • Brokers work with a variety of insurance companies, so they can compare many policies to find the best fit for your needs and budget—not just one insurer’s products.
     

2. Personalized Advice

  • They assess your unique situation—age, health, family needs, finances—and recommend policies tailored just for you.
     

3. Time & Effort Saved

  • Instead of you shopping around and calling multiple companies, brokers do the legwork to gather quotes, explain options, and simplify the process.
     

4. Expertise & Guidance

  • Life insurance can be confusing. Brokers help you understand complex terms, coverage types, exclusions, and riders so you can make an informed decision.
     

5. Help with Underwriting

  • Brokers often guide you through the application and medical underwriting process, helping improve your chances for better rates or faster approval.
     

6. Ongoing Support

  • They’re there beyond the sale—helping with policy changes, claims, renewals, and any questions you might have over time.
     

7. No Extra Cost to You

  • Brokers are usually compensated by insurers, meaning their expert advice comes at no additional charge to you.
     

8. Advocacy

  • If issues arise (like claim denials or policy disputes), a broker can advocate on your behalf with the insurance company.


 

1. Age

  • Premiums increase significantly with age, especially after 50. The younger you are, the lower your premium.
     

2. Health & Medical History

  • Chronic conditions or serious illnesses (e.g., cancer, heart disease) can raise premiums or result in limited coverage options.
  •  A history of hereditary illnesses (especially cancer, heart disease, etc.) can impact your premium, especially in younger applicants 
  • Some policies (like guaranteed issue) don't require medical questions but cost more.
     

3. Lifestyle Habits

  • Smoking or tobacco use dramatically increases rates.
  • High-risk hobbies (skydiving, scuba diving, etc.),  Dangerous jobs, frequent accidents, DUIs, or violations  can also raise your premium.
     

4. Gender

  • Statistically, women live longer than men, so women usually pay lower premiums for the same coverage.
     

5. Coverage Amount

  • The higher the death benefit, the more you'll pay.
  • Customizing your policy to cover only what’s necessary (like funeral costs or debts) can keep premiums low.
     

6. Policy Type

  • Term life insurance is usually cheaper since it is only temporary coverage. 
  • Permanent policies (like whole life) cost more because they last a lifetime and often build cash value.


  Since 1895, Royal Neighbors of America has been more than just a life insurer—it’s a movement. Born from a vision of women supporting women, this fraternal benefit society offers trustworthy life insurance backed by values of faith, courage, unselfishness, endurance, and humility .


🛡️ Why Royal Neighbors Stands Out:


  • ✔ A – Excellent financial strength from A.M. Best
    ✔ Named one of Forbes' Best Insurance Companies 2025
    ✔ Ensured Legacy Final Expense includes a free Charitable Giving Rider—donate 1% of the benefit to a charity you love
    ✔ Simplified underwriting—even those with diabetes or obesity can qualify
    ✔ Enjoy fraternal membership perks—scholarships, grants for community service, health discounts, and the power to make a difference locally 


💬 Your Legacy, Their Future

Royal Neighbors offers more than coverage—they offer community and meaning. With policies designed to ease end-of-life expenses and enhance your impact, your legacy lives on in both family and society.


Protect your loved ones and honor your values—choose Royal Neighbors.


  🦉 Trusted. Affordable. Time-Tested. 

With over 100 years of experience, Mutual of Omaha is one of the most trusted names in the insurance industry. As a Fortune 500 company with an A+ (Superior) rating from A.M. Best, you can count on them to deliver strength, security, and peace of mind.


🛡️ Key Benefits:

  • ✔ Coverage available up to age 85
    ✔ Competitive rates for both tobacco & non-tobacco users
    ✔ Accelerated Death Benefit included (varies by state)
    ✔ Optional Accidental Death Benefit rider
    ✔ Quick and easy application—no medical exam required


💬 Why Mutual of Omaha?

Their final expense insurance is designed to help cover funeral costs and other end-of-life expenses, relieving your family of financial stress when it matters most.


✅ Simple. Reliable. Respected.

Mutual of Omaha stands out for its affordable premiums, excellent customer service, and long-standing reputation.


Protect your loved ones with coverage from a company that’s been keeping promises since 1909.


        🌟 Trusted, Affordable Final Expense Coverage 

When it comes to protecting your loved ones, experience matters. SBLI (Savings Bank Life Insurance) has been serving families for over 100 years with trusted, no-nonsense life insurance solutions. With an A- (Excellent) rating from A.M. Best, SBLI offers stability, simplicity, and peace of mind.


🛡️Why Choose SBLI?

  • ✔ Coverage available for individuals aged 50 to 85
    ✔ Instant decision with just a few simple health questions
    ✔ Includes LegacyShield® – free access to online tools like wills, power of attorney, and estate planning
    ✔ Sequoia Funeral Concierge Plan – expert help for your family when they need it most
    ✔ Level and modified benefit options available based on your health
    ✔ Affordable rates for both tobacco and non-tobacco users


💬 What Makes SBLI Stand Out?

SBLI combines fast, hassle-free applications with meaningful extras—like estate planning tools and funeral concierge services—at no extra cost. It’s more than just insurance; it’s about protecting your family’s future and easing their burden.


Your future, simplified. Your family, protected.  SBLI—trusted by over a million families nationwide.


           🌟 Flexible, Affordable Final Expense Insurance  

Since 1910, American Amicable has been helping families plan ahead with confidence. Backed by an A (Excellent) rating from A.M. Best, this Texas-based company offers flexible and affordable life insurance solutions designed with your needs in mind.


🛡️ Key Benefits at a Glance:

  • ✔ Available for individuals all ages to 85
    ✔Multiple plan options based on your health
    ✔ Terminal Illness & Confined Care riders included
    ✔ Optional riders for grandchildren, accidental death, and more
    ✔ Favorable rates for tobacco users
    ✔ Generous height/weight guidelines make it easier to qualify


💬 Why Choose American Amicable?

With their Senior Choice plans, you’ll have options whether you’re in excellent health or dealing with medical conditions. The application is quick and straightforward, with coverage up to $50,000 for Whole Life and Term Life Options up to 30years (based on age and eligibility).

Whether you're planning ahead for yourself or helping a loved one, American Amicable makes it simple to get the coverage you need—without the stress.


Your life. Your legacy. Your plan. American Amicable—trusted for over 100 years.


 Looking for affordable, hassle-free life insurance coverage? CICA Life makes it simple. Backed by Citizens Inc. and serving families since 1965, CICA Life blends trusted experience with innovative technology to deliver dependable coverage—without the stress.


  • ✔ Available for Ages 0 to 85
    ✔ No questions about height, weight, or tobacco use
    ✔ Terminal Illness & Dismemberment benefits included
    ✔ Optional Accidental Death benefit
    ✔ Easy application with no medical exam
    🚫 Not available in CA or NY


Whether you're planning ahead or helping a loved one prepare, CICA Life’s Super Choice Plan offers peace of mind with flexible coverage and a straightforward process.


💬 Why Choose CICA Life?

  • Simplified issue – fast and easy approval
     
  • Level or graded benefit options depending on your needs
     
  • Backed by a trusted company with a 50+ year legacy
     

Secure your legacy today—CICA Life makes it easy to protect your family’s future.


 🕊️ Simple, Fast, and Reliable Final Expense Coverage 

Looking for life insurance that’s easy to apply for—and lasts when it matters most? Guarantee Trust Life has you covered. Founded in 1936 and still family-run, GTL offers a legacy of trust and personalized care with a strong A- (Excellent) rating from A.M. Best.


🌟 Why Seniors Choose GTL:

  • ✔ Coverage available up to age 90 – one of the highest in the industry
    ✔ Only 5 simple health questions – no exams, no hassle
    ✔ Instant decision – know if you’re approved right away
    ✔ Online application with phone signature – no paperwork needed
    ✔ Includes Accidental Death Benefit (first 2 years)
    ✔ Free Sequoia Funeral Concierge included to help your family with planning


💡 What Makes GTL Stand Out?

GTL’s Heritage Plan is designed to provide peace of mind without complexity. No intrusive medical questions. No long delays. Just honest, reliable coverage that helps protect your family from final expenses.


You deserve coverage that’s simple, flexible, and dependable. GTL—trusted by families since 1936.


  🌟 Life insurance made simple, reliable, and accessible—just like family should be.

For over 50 years, Gerber Life has provided reliable, hassle-free life insurance for families across North America. A proud part of Western & Southern Financial Group with an A+ (Superior) rating from A.M. Best, Gerber stands ready to protect what matters most.


🛡️ Why Choose Gerber Life?


  • ✔ Quick, No-Exam Options – get covered fast with easy online applications
    ✔ Whole Life for Kids – our popular Grow-Up Plan doubles in value at 18 and builds cash value
    ✔ Guaranteed Issue Coverage – $5K–$25K whole life protection with guaranteed acceptance, no questions asked
    ✔ Fixed Premiums & Lifetime Coverage – enjoy locked-in rates and built-in cash value accessible when you need it
    ✔Flexible Policy Choices – term, whole life, college savings, and accident protection all in one place
     

💬 Ideal for Families:

Whether you're adding coverage for yourself and children, planning for college costs, or securing final expenses, Gerber offers something that fits every life stage. Manage your policy online with ease and peace of mind knowing your family is protected.


   Strength. Flexibility. Innovation 

For over a century, Transamerica—part of Aegon—has helped individuals and families plan for the future. With strong financial ratings (A / A+ / A1) and a wide portfolio of products, they offer tailored life insurance to fit every stage of life.


🛡️ What Makes Transamerica Stand Out:


  • ✔ Living Benefits Included – Trendsetter LB policies include protection for serious illness at no extra cost 
  • ✔ Efficient Final Expense Solutions – Enjoy quick approval, digital delivery, and added funeral concierge support
    ✔ No-Exam Policies – Affordable options for those who want fast coverage
    ✔ Digital Convenience – Streamlined applications and instant underwriting for a seamless experience


    🛡️ Guaranteed Protection—No Health Questions Asked 

Need life insurance but worried about your health history? With Corebridge Financial’s Guaranteed Issue Whole Life policy, everyone is accepted—no exams, no questions, no stress. Backed by more than 100 years of global experience and an A (Excellent) rating from A.M. Best, Corebridge is a name you can trust.


🌟 What You Get:

  • ✔ Guaranteed coverage for ages 50 to 80
    ✔ No medical questions or exams—ever
    ✔ Coverage amounts from $5,000 to $25,000
    ✔ Includes Accelerated Death Benefit
    ✔ Graded benefit structure (full benefits after two years)
    ✔ Backed by a trusted global insurer with millions of customers


💬 Is It Right for You?

If you’ve been turned down for life insurance or have serious health issues, this plan offers a second chance at protection. While premiums are slightly higher, the peace of mind is priceless.

Guaranteed peace of mind—because everyone deserves a way to protect their loved ones.


Corebridge Financial: Insurance with no barriers.


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  • WHY LIFE INSURANCE
  • TYPES OF COVERAGE
  • ABOUT US

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