TEXAS FAMILY LIFE UNIVERSITY
The Learning Center
Plain-English answers about life insurance, retirement, annuities, and estate planning. Free to read, no quote form required.
Free download: our Family Emergency Preparedness Kit, a printable checklist to help your family get ready for the unexpected.
How to use this Learning Center
1. Search or browse
Use the search bar above to jump straight to a topic, or browse by category below if you’re not sure exactly what you’re looking for.
2. Compare your options
Read the side-by-side comparisons (term vs. whole life, annuities vs. CDs and bonds) to see how the trade-offs stack up.
3. Talk it through
When you’re ready, a free conversation turns what you’ve read into a plan built around your actual numbers.
Browse by category
Insurance Learning Center
Life insurance basics, policy types, and product fundamentals.
Underwriting & Applying
How underwriting works, rate classes, and your rights once a policy is issued.
Riders, Claims & Policy Features
Optional riders, beneficiaries, and how claims actually get paid.
Taxes, Loans & Ownership
Tax rules, policy loans, exchanges, and carrier strength.
Coverage Planning & Other Protection
How much coverage you need, plus other protection worth knowing about.
Retirement & Annuity Academy
How annuities work, lifetime income, and using them in a retirement plan.
Estate Planning
Trusts, probate, beneficiary planning, and passing on what you’ve built.
Texas Resources
Probate, community property, and retirement topics specific to Texas.
Real-Life Stories
Hypothetical scenarios showing how planning choices can play out.
NEW
Adulting 101
Life insurance basics for Gen Z and young millennials, minus the boomer lecture.
Start here: 9 popular reads
- Life Insurance 101: The Basics Every Family Should Know
- What Is an Annuity?
- Avoiding Probate: What Texas Families Should Know
- 10 Life Insurance Myths That Cost Families Money
- Family Financial Checklists for Every Life Stage
- Insurance & Annuity Dictionary: Plain-English Definitions
- Living Benefits in Life Insurance: How Accelerated Death Benefit Riders Work
- Chronic Illness Rider vs. Long-Term Care Rider: What’s the Difference?
- When Life Insurance Won’t Pay: Exclusions, the Suicide Clause, and High-Risk Activities
Read something that raised more questions?
That’s normal, and exactly what a free, no-pressure conversation is for.