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Individual Life Insurance in San Antonio, Kerrville, TX and Surrounding Areas

Reassurance for you and your Loved Ones.

EFGI Insurance & Bonds provides life insurance to individuals in San Antonio, Kerrville, Sonora, Pleasanton, Laredo, Devine, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At EFGI Insurance & Bonds, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. 

Types of Individual Life Insurance

EFGI Insurance & Bonds offers several different coverage options for your consideration including term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
  • Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

EFGI Insurance & Bonds is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with EFGI Insurance & Bonds will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Our Locations

Main Office

19921 FM 2252
San Antonio, TX 78266
Main office: 210-880-6414
Toll free: 800-357-2279

Personal Lines

820 Main Street, Suite 211
Kerrville, TX 78028
Main office: 830-214-2072
Toll free: 800-357-2279

Our Providers

Testimonials

We want to thank you for taking such good care us. We enjoy working with you and consider you to be a vital partner in our business. You're always there for us when we need you.
Manufacturer Client
We've been with EFGI for years and wouldn't even consider another agency. You guys know us, our business and provide us with excellent products and great service.
Masonry Contractor Client
You guys really care about us and our business. You want us to do well and you help us with so many things other than insurance. Thanks!
Restaurant Client
We love that you fight so hard for us. From pricing, to audits to claims, to whatever. It just doesn't matter. You'll get after anyone to get it done for us.
Oil & Gas Exploration & Production Company Client
We're really busy and our time is valuable. So, we like that a real person always answers the phone and you follow through and do what you say every time. We never have to chase you for anything.
Law Firm Client
More than once you have continued to work for better coverages and lower pricing even after we have accepted a renewal. You have also brought better deals to our attention in the middle of the year. You truly work like our business is your business. Our money is your money.
Oil & Gas Drilling Contractor Client
You flat know your stuff. We trust your expertise, experience and advice.
General Contractor Client