How much life insurance do I need?

That depends on your income, debt, family size, and financial goals. We’ll help you calculate the right amount for your situation.

What’s the difference between term and whole life insurance?

Term life offers coverage for a set period, while whole life lasts a lifetime and includes a savings component called cash value.

Can I get coverage without a medical exam?

Yes, some policies offer simplified underwriting or guaranteed issue, though they may come with higher premiums or lower coverage limits.

Does life insurance cover accidental death?

Most policies do, and you can add accidental death benefit riders for extra coverage in the event of a qualifying incident.

Individual Life Insurance | Dumas Insurance Agency

Coverage That Supports What Matters Most

Life insurance isn’t just about policies—it’s about people. At Dumas Insurance Agency, we help families in Dumas, Amarillo, Lubbock, and across Texas prepare for the future with life insurance that fits their goals and their budget. Whether you’re starting a family, buying a home, or planning your legacy, we’re here to walk you through your options with clarity and care.

Term Life Insurance

Affordable protection for a set number of years—ideal for income replacement and short-to-midterm needs.

Whole Life Insurance

Lifetime coverage that builds cash value and offers stable premiums for long-term planning.

Universal Life Insurance

Flexible, permanent coverage with customizable premiums and the potential to grow cash value over time.

Answers You Need

Common Questions About Life Insurance

If you have more questions about life insurance, call us at (806) 935-5354.

¿Tiene más preguntas sobre seguros de vida? Llámenos al (806) 935-5354.

How much life insurance do I need?

That depends on your income, debt, family size, and financial goals. We’ll help you calculate the right amount for your situation.
What’s the difference between term and whole life insurance?

Term life offers coverage for a set period, while whole life lasts a lifetime and includes a savings component called cash value.
Can I get coverage without a medical exam?

Yes, some policies offer simplified underwriting or guaranteed issue, though they may come with higher premiums or lower coverage limits.
Does life insurance cover accidental death?

Most policies do, and you can add accidental death benefit riders for extra coverage in the event of a qualifying incident.

Start with a Call

Let’s Plan Together

Life insurance can feel overwhelming—but you don’t have to figure it out alone. We’ll help you choose a plan that fits your family, your needs, and your future.

¿Prefiere hablar en español? Nuestro equipo está listo para ayudarle con confianza y claridad.

Plan for Tomorrow

Individual Life Insurance