Life Insurance McAllen TX | Mortgage Protection | McAllen Insurance Group
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McAllen Insurance Group Life Insurance · McAllen, TX · Se Habla Español

Protect what matters most,
as soon as today

Get started → Call (956) 687-3334
A happy McAllen family protected by term life insurance
Best Flexible Term Life
Insurance
Google ★★★★★

Think about this for a second: If you were gone tomorrow, could your spouse keep up with the mortgage on one income while raising your kids? Most families in McAllen can’t. A $28/month term policy changes that answer completely.

The Basics

The three main types
of life insurance.

A young family at home

Most affordable. Temporary coverage, no cash value.

Term life is easy to quote and buy, and it usually costs far less than whole or universal life. The trade-off: coverage lasts for a set period (10, 20, or 30 years). When the term ends, you either apply for a new policy at a higher rate or go without. For most young families with a mortgage and kids, this is where we start.

Ask us which fits your family →
The Real Problem

Most young families in McAllen have no life insurance.

Not because they don’t care, but because nobody ever explained it simply, quoted them a real price, or made it easy to start. That changes today.

A 20-year term policy covers your mortgage, replaces your income, and makes sure your kids don’t have to change schools, or lose their home, because of the worst day of their lives.

“We’ll get to it eventually.”
Most families say this for years. Then a diagnosis, an accident, or an age change makes coverage 3x more expensive, or impossible to get.
“I don’t think I can afford it.”
A healthy 30-year-old can get $500,000 of coverage for under $30/month. That’s less than Netflix. Most families are shocked by how affordable it is.
“I have life insurance through work.”
Work policies are usually 1-2x your salary, and gone the day you lose your job. That’s not protection. That’s a gap waiting to happen.
“I don’t know where to start.”
That’s exactly what we’re here for. One call. We explain everything in plain language (English or Español) and get you covered same day.
Real Pricing

Less than you think.
More protection than you’d expect.

These are real sample rates for healthy non-smokers in Texas. Your exact rate depends on age, health, and coverage amount. We’ll find you the best price from 10+ carriers.

Age 28 · Healthy
$500,000 · 20-Year Term
$22
per month
Age 32 · Healthy
$500,000 · 20-Year Term
$28
per month
Age 38 · Healthy
$500,000 · 20-Year Term
$44
per month

* Sample rates for illustrative purposes. Your rate may vary. We shop 10+ carriers to find your lowest price.

Quick Quiz

Let’s find the right coverage
for your family.

Takes 30 seconds. No personal info required to start.

Step 1 of 3
How old are you?
Age affects your rate, and younger means lower premiums.
Step 2 of 3
Do you currently have
life insurance?
Most people don’t, and that’s okay.
Step 3 of 3
What’s held you back?
Pick the one that sounds most like you.
Free Quote. No Obligation

Your family deserves this call.

Fill in 3 fields. McAllen Insurance Group calls or texts you within an hour with real rates from real carriers. No pressure. No obligation. This call could be the most important one you make this year.

Get My Family’s Quote
3 fields · No cost · Real person calls within 1 hour
Mortgage Protection
Income Replacement
Kids’ Future
Final Expenses
Not sure, help me decide

By submitting you agree we may call or text you about your request. Your info stays private. No spam.

✅
You just took the most important step.
McAllen Insurance Group will call or text you within an hour with real rates.
Can’t wait? Call right now:
(956) 687-3334
★★★★★

“I had no idea how affordable term life was. McAllen Insurance Group got us $500,000 in coverage for less than our Spotify and Netflix combined. Our kids are protected now.”

Google Review · McAllen, TX
★★★★★

“They explained everything in Spanish, answered every question, and got us covered same day. I wish we’d called years ago.”

Google Review · McAllen, TX
Gerino Alejos - McAllen Life Insurance Agent
Gerino Alejos
Independent Agent & Owner · McAllen, TX
Your Forever Agent
FAQ

Questions families ask us.

What’s the difference between term life and whole life? ▼
Term life covers you for a set period (10, 20, or 30 years) at a fixed monthly rate. It’s the most affordable way to get high coverage while your kids are young and your mortgage is active. Whole life is permanent but costs 5-10x more. For most McAllen families with a mortgage and young kids, term is the right call.
How much coverage does my family actually need? ▼
A simple starting point: your mortgage balance + 5-10 years of your income. So if you have a $200,000 mortgage and earn $50,000/year, look at $450,000-$700,000 in coverage. We walk you through this calculation on your first call, no guessing.
I have health issues. Can I still get covered? ▼
Often yes. Different carriers have different underwriting rules. What one carrier declines, another might approve at a reasonable rate. Being independent means we can shop multiple carriers to find one that works for your situation. Call us and we’ll be honest with you about your options.
How long does it take to get approved? ▼
Many term policies are approved same day or within 48 hours without a medical exam. Some higher-coverage policies require a brief medical exam. We’ll tell you upfront which carriers are fastest for your situation.
Is there a medical exam? ▼
Not always. Many carriers offer “no-exam” term policies for healthy applicants under 60. It’s faster to approve and the rates are competitive. We’ll tell you which carriers skip the exam and whether it makes sense for your coverage amount.
What if I can’t afford much right now? ▼
Some coverage is always better than none. We can find policies starting under $20/month. A smaller policy today protects your family while you build toward more coverage later. Let’s find what fits your budget right now, not an ideal that never happens.

Your Family Is Worth
$28 a Month.

The hardest part of life insurance is starting. One 15-minute call with McAllen Insurance Group and your family is protected. No pressure, no jargon, no fine print surprises.

Get My Family’s Quote → Call or Text (956) 687-3334
504 N 10th St, Suite B-7 · McAllen, TX 78501
Monday to Friday 9 AM to 6 PM · Weekends by appointment · Se Habla Español · Licensed in Texas