Life insurance and retirement income for Austin households
Independent, Texas-licensed, and used to working with people who don't get benefits from an employer — by phone or video, in English or Spanish.
- Licensed in Texas (license 3546592)
- Bilingual: every call and form in English or Spanish
- By phone or video — no office visit
See your options in about 2 minutes
Three questions to start. No medical questions, no obligation, and nothing shared with anyone outside our agency.
A lot of Austin's workforce is self-employed, contracting, or at a company too small to offer group life insurance. That means no automatic coverage and no HR department to ask. We spend most of our Austin conversations on two things: an individual term policy sized to real obligations, and — for people saving outside a 401(k) — whether a permanent policy or an annuity has any role, including the honest cases where it doesn't.
How much coverage an Austin household usually needs
Austin households do not pay more per thousand dollars of coverage than anyone else in Texas. They need a great many more thousands. The median home in Austin is valued at about $555,300 and the median household earns about $93,658 a year. Paying off a house at that price and replacing ten years of that income puts a family at close to $1.5 million of coverage.
Austin is the outlier in our whole service area: the median home is worth roughly twice the Houston figure and the income to be replaced is half again as large, so coverage that would be generous in San Antonio is thin here. Nobody self-employed has an HR department taking a slice off that total either. The calculator on our life insurance page starts from your own numbers rather than an average.
English or Spanish, either way
30.3% of Austin residents age five and over speak a language other than English at home — the lowest share of the four Texas metros we serve, but still close to one household in three. Every call, form and policy explanation is available in Spanish with Victor directly.
Home value, income and language figures: U.S. Census Bureau QuickFacts, 2020–2024 American Community Survey five-year estimates.
How it works from Austin
Everything happens by phone or video.
We don't have a storefront in Austin. You talk with Victor M Robles Soto, a licensed producer, from wherever you are — most first conversations take 15 to 20 minutes.
We compare carriers instead of selling one.
Elavere is an independent agency appointed with several insurance companies. We look at what each one would offer for your age, health and budget and explain the differences plainly.
Areas we serve around Austin
Serving Austin, Travis, Williamson and Hays counties, and nearby communities:
- Round Rock
- Cedar Park
- Pflugerville
- Georgetown
- Leander
- Kyle
- Buda
- San Marcos
- Lakeway
- Hutto
- Manor
- Dripping Springs
Life insurance sold in Texas is regulated by the Texas Department of Insurance. Victor M Robles Soto holds Texas producer license 3546592 (NPN 22305583). Any policy we place for a Austin household is issued by the insurance company under Texas rules.
If a Texas insurance company ever failed
Every company we place business with is licensed in Texas, and the Texas Department of Insurance answers consumer questions and complaints at 800-252-3439. If a life insurer became insolvent, the Texas Life and Health Insurance Guaranty Association would step in, covering up to $300,000 in death benefits and $100,000 in net cash surrender value per life. Texas also gives you a free-look period of at least 10 to 20 days after delivery to cancel a new policy for any reason and get your premium back. We tell you which company is issuing your policy, and why, before you apply.
Questions we hear from Austin
I'm self-employed with no benefits. Where do I start?
What would a $1,000,000 policy actually cost in Austin?
Are life insurance rates different in Austin than in San Antonio?
Do I have to meet you in person?
Are you actually licensed in Texas?
What does the first call cost?
Other areas
Talk with a licensed agent about your Austin household.
A short call in English or Spanish. No cost, no obligation, no pressure.
Submitting a request or calling connects you with a licensed insurance agent who may contact you about insurance products. This is an insurance solicitation.