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Individual Life Insurance

Peace of Mind for you and your Loved Ones

BRIA Insurance & Risk Consultants provides life insurance to individuals in Austin, Lakeway, Bee Cave, Round Rock, Georgetown, Westlake, and surrounding areas.

Individual Life Insurance

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 BRIA Insurance & Risk Consultants, 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 peace of mind you deserve. 

Types of Individual Life Insurance

BRIA Insurance & Risk Consultants offers several different coverage options for your consideration: term life, whole life, universal life, and variable life insurance.

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 is a benefit policy that is 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, variable 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 the policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Universal Life – Universal life policies are designed to be more flexible than other permanent Life Insurance. You are still guaranteed a death benefit for the duration of the policy as well as savings that accumulate cash value, but the flexibility of a Universal Life plan allows you to change certain aspects of your plan to accommodate life changes. 

Depending on your options, you have the flexibility to change the overall value of the death benefit as well as the time and amount in which you pay your premium. This gives you the option to focus on building your policy’s cash value, or pay a lower premium and focus on guaranteed protection. It is important to note that changes to your universal life policy can affect its guarantees and limits.

Variable Universal Life - With a variable universal life (VUL) Insurance policy, you get the same flexible benefits of Universal Life while being able to take advantage of potential economic growth in the stock market. Instead of creating a cash value for savings, the value of your VUL policy is invested in professionally managed funds that reflect the performance of the stock market. This also means that as the policy owner, you assume the risk and responsibility of monitoring your own investments.

BRIA Insurance & Risk Consultants 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 is why it is 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 BRIA Insurance & Risk Consultants 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. 

 

Our Location

BRIA Insurance & Risk Consultants

9015 Mountain Ridge Drive, Suite 350
Austin, TX 78759
Main office: 512-343-1106
Toll free: 800-611-3004

Our Providers

We have been using BRIA as our insurance provider for over twenty years and have been very pleased with their service and expertise in handling all of our claims. We have been approached by other companies and BRIA has continued to deliver better service and more.
Ralph E. Wilson - Wilson Roofing
Many thanks again for the turkey and the wine for me. So often, I get forgotten in the shuffle. You are the best insurance agent I have ever seen. Bill and Dee Dee and Dawn are so prompt.
Pat Turner - Ideal National Mechanical
Since the inception of SunTerra Landscape Services in 2005, we've partnered with John Buchanan and BRIA. Over that time, they have come to be trusted advisors and, probably more importantly, advocates on our behalf. BRIA helps me understand the strengths and weaknesses of each carrier.
Chris Carmouche - SunTerra Landscape Systems
We've worked with BRIA Insurance and Risk Consultants for several years and have been very pleased with their professionalism, service and thorough approach to assessing areas of potential risk in our operations.
Kevin Kelleher San Luis Spirits
We have used BRIA for our overall insurance needs for almost 20 years and really appreciate all of the comparisons they give us. Our professional liability has always been somewhat of a problem because of the area of our practice and they have worked very hard.
Jean Nelle Ray, Wood & Bonilla
I have enjoyed doing business with BRIA since the late 60s. I consider Bill a man of high integrity and have enjoyed seeing his business grow to serve more clients with new services. BRIA has worked to create a good value and excellent service.
Michael N. Hart, P.E. Energy Engineering Associates
The level of service our company receives from BRIA is consistently fast, friendly, efficient, and reliable. I never hesitate to call for advice because talking to my agent at BRIA is more like talking to a friend.
Linda - RZ Communications
BRIA has been our insurance broker for over 15 years. They are not only the best brokers, but have become our best friends. The staff is professional, responsive and extremely knowledgeable of the insurance market. BRIA does a fantastic job of assessing our needs, going above and beyond.
TGB Partners