Whole Life Insurance in Texas - Lifetime Protection & Cash Value

Permanent Coverage That Stays The Course

Whole life provides coverage for your entire life (as long as premiums are paid) with cash value that grows over time. O'Sullivan Integra helps families in Tomball and Houston design whole life insurance Texas plans that keep premiums fixed and benefits guaranteed.

Benefits & Uses You Can Rely On

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Lifetime Coverage

Guaranteed benefit for final expenses, legacy goals, or special needs planning.

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Cash Value

Accumulates tax-deferred; you can borrow against it (loans reduce the benefit if unpaid).

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Predictability

Fixed premiums and stable long-term protection, useful for estate or legacy planning.

 Who Might Choose Whole Life

Clients who want guaranteed, lifelong protection; those planning for final expenses; or families seeking a base of permanent coverage alongside term life for larger temporary needs. We'll right-size the policy so it complements other coverage in Houston and 77377.

FAQs For Permanent Insurance

  • Do premiums ever increase?

    No. Your premium is locked in when the policy starts.

  • Can I cash out the policy?

    You can surrender for cash value or borrow against it; doing so reduces the death benefit if loans aren't repaid.

  • Are dividends guaranteed?

    Some policies may pay dividends, but they're not guaranteed. We'll review carriers with strong histories.

Confidence For The Long Term

O'Sullivan Integra will compare permanent options, explain riders, and coordinate with your broader financial goals so your plan remains practical and durable over decades.