Texas Starlight
Insurance Agency
Free · No Obligation · 2 Minutes

Get Your Life Insurance Quote

Answer a few quick questions and we'll find the right coverage at the best rate for your family.

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Your info is private
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Most quotes in 1 business day
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TX Licensed Agent
1 · Coverage
2 · About You
3 · Health
4 · Preferences
5 · Contact
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Who needs coverage?
Stella — your guide
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Me
Individual policy for yourself
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My Spouse
Coverage for your spouse or partner
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My Children
Child rider or juvenile policy
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My Grandchildren
Juvenile policy for grandchildren
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My Business Needs
Key person, buy-sell, or business coverage
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About You
The primary person to be insured
Please enter your first name.
Please enter your last name.
Please enter your date of birth.
Used for accurate underwriting rates
Please select a sex.
Employment
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About Your Spouse / Partner
We'll include a separate quote for them
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Your Children
We'll explore child riders and juvenile policy options
💡 Insuring children while they're young locks in low rates, builds cash value, and guarantees their insurability regardless of future health — even if they develop a condition later.
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Your Grandchildren
We'll explore juvenile policy options — locking in low rates for life
💡 Insuring grandchildren while they're young locks in the lowest possible rates and guarantees their insurability — even if they develop a health condition later in life.
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Business Information
Help us understand your business coverage needs
Key Person Protection Buy-Sell Agreement Business Loan Protection Executive Benefit Not Sure Yet
Key Person Being Insured
💡 Business life insurance protects your company if a key person passes away — covering lost revenue, buyout obligations, or loan requirements. We'll tailor the right solution for your needs.
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Your Health
Helps us find the best rate for you — honest answers get the most accurate quote
Overall Health
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Excellent
No major conditions, low BMI, non-smoker
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Good
Minor conditions, well-controlled
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Fair
One or more conditions being treated
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Poor
Serious conditions or recent surgery
Tobacco Use
Yes
No
Please answer the tobacco question.
Cigarettes Cigars Vape / E-cig Chewing / Dip Occasional only
Key Health Questions
💡 Don't worry — many conditions don't prevent you from getting coverage. There are often multiple options available, and we'll find the best fit for your situation.
Yes
No
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Spouse's Health
Same quick questions for your spouse / partner
Overall Health
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Excellent
No major conditions, non-smoker
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Good
Minor conditions, well-controlled
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Fair
One or more conditions being treated
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Poor
Serious conditions or recent surgery
Yes
No
Cigarettes Cigars Vape / E-cig Chewing / Dip Occasional only
Key Health Questions
💡 Don't worry — many conditions don't prevent coverage. There are often multiple options available, and we'll find the best fit for your family.
Yes
No
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Children's Health
Helps us find the right policy type and rate
Yes
No
Adult Children (18+)
Yes
No
Cigarettes Cigars Vape / E-cig Chewing / Dip Occasional only
Key Health Questions
💡 Many conditions don't prevent coverage — there are often multiple options available, and we'll find the best fit.
💡 Many child riders and juvenile policies have simplified underwriting — even children with certain conditions can often qualify. We'll explore every option.
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Grandchildren's Health
Quick health check for juvenile policy underwriting
Yes
No
Adult Grandchildren (18+)
Yes
No
Cigarettes Cigars Vape / E-cig Chewing / Dip Occasional only
Key Health Questions
💡 Many conditions don't prevent coverage — there are often multiple options available, and we'll find the best fit.
💡 Juvenile policies often feature simplified underwriting and guaranteed insurability riders — even children with health conditions may qualify for coverage that protects them for life.
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Key Person Health
Health info for the business key person being insured
Overall Health
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Excellent
No major conditions, non-smoker
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Good
Minor conditions, well-controlled
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Fair
One or more conditions being treated
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Poor
Serious conditions or recent surgery
Yes
No
💡 If you are the key person and your health info is already provided above, we may use the same details — just confirm any differences here.
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Coverage Preferences
Tell us what you're looking for — we'll match you to the right product
Primary Goal
Protect my family's income Pay off the mortgage Cover final expenses Fund my children's education Build cash value / savings Leave a legacy or inheritance Business protection
Coverage Amount
$250,000
$25K$100K$250K$500K$750K$1M+
Not sure? Your agent will help you calculate the right amount — just give us a starting point.
Policy Type Interest
Term Life
Pure death benefit for a set period (10, 20, or 30 years). Lowest monthly premium.
Permanent / Whole Life
Lifelong coverage that builds cash value. IUL, Whole Life, Universal Life.
Not Sure — Show Me Both
We'll present the best options across both categories so you can compare.
Preferred Term Length
10 Years 15 Years 20 Years 25 Years 30 Years Let agent advise
Budget
What monthly premium feels comfortable? (Select one)
Under $50/mo $50 – $100/mo $100 – $200/mo $200 – $400/mo $400+/mo Flexible — best value
Add-Ons You're Curious About
Optional — select any that interest you
Living benefits (illness) Child rider Disability waiver Accidental death Long-term care Return of premium
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How Should We Reach You?
We'll deliver your personalized quote within 24 hours
Please enter a phone number.
Please enter a valid email address.
Please enter your ZIP code.
📞 Call 💬 Text 📧 Email
Permission to Contact & Consent
By checking the box below, you expressly authorize Jose Ovalle (TX License #22114233) to contact you at the phone number and email provided — including via calls, texts, and email — to discuss insurance products and schedule an appointment. You understand: (1) consent is not required to purchase any insurance product; (2) message & data rates may apply; (3) you may opt out anytime by replying STOP; and (4) your information will not be sold to third parties. View our Privacy Policy for full details on how your information is collected, used, and protected.
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You're all set!

Thank you for trusting Texas Starlight with your family's protection. We'll review your information and reach out within 24 hours with your personalized quote.

In the meantime, feel free to schedule a call directly:

Texas Starlight Insurance Agency · Jose Ovalle · (210) area · TDI #22114233
Texas Starlight Insurance Agency LLC · Jose Ovalle, Licensed Agent · TDI #22114233
San Antonio, Texas · jose.ovalle@txstarlightins.com · www.txstarlightins.com
Life Insurance products underwritten by licensed carriers. Coverage availability and rates vary by state and individual qualifications.