Texas · Independent · Consumer-first
Life insurance, sold the way you'd want a friend to sell it.
Richard Parslow is an independent Texas broker. No captive carrier, no quotas, no script. Compare 30+ A-rated carriers and pay the same state-filed premium you'd pay anywhere.
Licensed in Texas · NPN 20873424 · TX #3076729
Indicative only. Final rate depends on full underwriting.
30+ carriers
Symetra, Pacific Life, Protective, Banner, Lincoln, Mutual of Omaha, Foresters, and more.
Transparent commission
We're paid by the carrier when a policy issues. Same premium you'd pay direct. We'll show you the structure on request.
No captive script
No single-product pitch. We map coverage to your obligations — mortgage, kids, income — and ladder when it saves money.
Recent articles
Plain-English breakdowns of how Texas households actually structure coverage.
Term Life Laddering in Texas: Match Coverage to Real Obligations
Laddering term policies trims premium without leaving gaps. Here's how a Texas household structures three terms around mortgage, kids, and income.
No-Exam Life Insurance in Texas: When It Saves You, When It Costs You
No-exam (accelerated underwriting) can close in 48 hours. Here's who qualifies, what carriers actually approve, and when a paramed still wins.
Beyond VGLI: Life Insurance Options for Texas Veterans
VGLI premiums spike every five years. Here's how Texas veterans replace it with civilian term that locks rates for 20–30 years.