Frequently Asked Questions

What is R Benefits Life Group?

R Benefits Life Group is a Houston-based insurance agency, founded in 2018, that provides permanent life insurance as an employee benefit for Texas independent businesses (10–250 employees) and individual life insurance for Texas families. Advisors are licensed and bilingual in English and Spanish.

Does R Benefits Life Group work with businesses, individuals, or both?

Both. We run two dedicated programs: an employee-benefit program for independent business owners, and an individual/family life insurance program with fast, phone-based quotes.

What areas does R Benefits Life Group serve?

We're headquartered in Houston, Texas, and serve businesses and families throughout the state, including Dallas, San Antonio, and Austin, with on-site and virtual options.

Do you offer support in Spanish?

Yes. Our advisors provide full bilingual support in English and Spanish for both business and individual clients.

What exactly is permanent life insurance for employees?

Permanent life insurance is a voluntary workplace benefit that provides lifelong coverage for your employees. Unlike term insurance, it doesn't expire. The policy builds cash value over time, and employees can keep it even if they leave your company.

Is this affordable for a business with 10 to 250 employees?

Yes. This benefit was designed for independent businesses with 10 to 250 employees. Participation is voluntary, and employees pay their own premiums through payroll deductions, so your business is not required to contribute. Employer contributions are optional. Your advisor will help you find a plan that fits your team.

What are living benefits, and why do they matter?

Living benefits allow an employee to access a portion of their death benefit while still living, if diagnosed with a qualifying chronic or terminal illness. This turns life insurance into something employees can benefit from today, not just after death.

Can employees keep their coverage if they leave my company?

Yes. Portability is one of the most valued features of these plans; if an employee leaves, they keep their policy.

How does enrollment work for my team?

Enrollment is fast and simple, onsite or virtual. Advisors manage the entire process, including bilingual support. Most businesses complete enrollment in a single session.

Do you provide support after enrollment?

Yes, your advisor remains your point of contact after enrollment for employee questions, plan changes, renewals, or anything else that comes up.

What is life insurance and why do I need it?

Life insurance protects the people who depend on you by helping cover daily living costs, debts, or your children's future if something happens to you.

How fast can I get a quote?

Most people get their quote in minutes, right from their phone, no office visit required.

Do I need to meet with someone in person?

No. You can get a quote, ask questions, and apply entirely online or by phone. In-person meetings are available if you prefer one.

Is this different from the coverage you offer businesses?

Yes. This is individual life insurance for you and your family. R Benefits Life Group also helps independent businesses offer life insurance as an employee benefit; that's a separate program.

Is there any obligation once I request a quote?

No. Requesting a quote is free and doesn't commit you to anything.