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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.

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  • 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.

We're licensed in Texas and Iowa.

Submitting a request or calling connects you with a licensed insurance agent who may contact you about insurance products. This is an insurance solicitation.

Got it — thank you.

A licensed agent will reach out shortly to confirm a few details and walk you through your options. If you'd rather not wait, call (713) 925-7011 now.

Submitting a request or calling connects you with a licensed insurance agent who may contact you about insurance products. This is an insurance solicitation.

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 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.

English or Spanish, your choice.

Every call, form and policy explanation is available in either language. Nothing gets lost between a translator and the fine print.

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.

Questions we hear from Austin

I'm self-employed with no benefits. Where do I start?
Start with a term policy that would replace your income for the years your family depends on it; for most healthy adults it's the least expensive coverage per dollar. Once that's in place, we can talk about whether anything permanent makes sense for your situation. We'll tell you plainly if the answer is “not yet.”
Do I have to meet you in person?
No. Everything — the first conversation, the application and the policy delivery — happens by phone, video or e-mail. Our business office is in Chicago and we work with Austin families remotely, which is how most of our clients prefer it.
Are you actually licensed in Texas?
Yes. Victor M Robles Soto is licensed in Texas (Texas license 3546592, NPN 22305583). You can verify a producer's license on the Texas Department of Insurance website. Both numbers also appear in the footer of every page on this site.
Which insurance companies do you work with?
Elavere is independent and appointed with several carriers, so we can show you more than one company's answer. Which companies fit depends on your age, health history and the kind of coverage you want; we'll tell you which ones we're comparing and why.
Do life insurance rates change by city?
Not in a meaningful way. Carriers price life insurance on your age, health, tobacco use, coverage amount and policy length — not on your ZIP code. What changes from place to place is the kind of coverage people need, and that's the part of the conversation we spend the most time on.
What does the first call cost?
Nothing, and it doesn't obligate you to anything. If you apply for a policy and it's approved, the insurance company pays our agency a commission; you never pay us a fee.

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.