INDEPENDENT LIFE AND HEALTH AGENT
Independent Life and Health Agent in Fort Worth, TX
Golden Years Protection is run by Joe Rangel, an independent insurance agent in Fort Worth, Texas. I help seniors, families, and business owners review their coverage options, with honest guidance and no pressure.
Why I Started Golden Years Protection
I have spent 20 years in financial services. The first 18 were as a mortgage banker. In 2024 I became a licensed life and health agent, and in August 2024 I started Golden Years Protection.
I started it because I believe everyone deserves plain, honest guidance when it comes to protecting their family. Too many people buy a policy without ever seeing what else is available. As an independent agent, I can show you options from a wide range of A-rated carriers, plus other highly rated companies.
I am based in Fort Worth, Texas, and I am licensed in 40 states. I work with clients by phone and video, so you can finish the whole process from home.
Licensed Life and Health Agent
Licensed since 2024
Founded August 2024
Golden Years Protection
Fort Worth, TX
Working with clients by phone and video
40 States Licensed
Full list at the bottom of this page
Who I Serve
Seniors who want to plan ahead for funeral and final bills.
Families who want to replace income or help with the mortgage if a parent dies.
Business owners who depend on one key person to keep the business running.
People in Fort Worth and the Dallas-Fort Worth area, and in the other states where I am licensed.
How Working With Me Works
- You reach out. Call me at 682-254-1786 or send the quote form on this page.
- I learn about your needs. I ask about your family, your goals, and what you want the coverage to do.
- I explain your options, including what each policy covers and what it does not.
- You apply from home. I help you fill out the application by phone or video.
- The insurance company reviews your application and makes the decision.
- When the policy is issued, I go over it with you so you know what you have.
Coverage I Offer
I help you understand each type of coverage and review options for your situation.
Main coverage
Final Expense Insurance
Small whole life policies that can help loved ones pay for a funeral and final bills. Coverage amounts from $5,000 to $35,000 for adults ages 50 to 85. Health questions and eligibility depend on the policy.
Term Life Insurance
Coverage for a set number of years, such as 10, 20, or 30. Often used to replace income while children are young or a home is being paid off.
Whole Life Insurance
Coverage designed to last for life and build cash value, as long as the policy stays in force.
More coverage options
Mortgage Protection Insurance
Life insurance that can help your family keep up with the mortgage if you die. The benefit goes to your beneficiaries, subject to the policy terms.
Key Person Insurance
Life insurance a business owns on an owner or key employee, to help the business if that person dies.
Dental, Vision & Hearing Insurance
Limited benefit policy that helps pay for dental, vision, and hearing care. Not a substitute for major medical coverage.
Cancer Insurance
Limited benefit policy that pays a cash benefit on a covered cancer diagnosis. Not a substitute for major medical coverage.
Critical Illness Insurance
Limited benefit policy that pays a lump-sum cash benefit on a covered critical illness diagnosis. Not a substitute for major medical coverage.
This is a supplemental insurance policy. It is not a substitute for comprehensive major medical health insurance and does not provide Medicare or Medicaid benefits. Benefits are limited to those stated in the policy.
Also available
Indexed Universal Life (IUL)
Permanent life insurance with cash value credits linked to a market index, subject to contract limits and fees. Not offered in California, Iowa, or Minnesota.
Fixed Annuities
Insurance contracts that protect principal from market losses under their terms, with retirement income options. Other risks and restrictions remain. Not offered in California, Iowa, or Minnesota.
Indexed Universal Life Insurance involves fees and is subject to carrier terms. Cash value growth is tied to a market index but is not a direct market investment. Actual results vary. Not a bank deposit. Not FDIC insured.
Fixed annuities are insurance contracts subject to carrier terms and state availability. Withdrawals before age 59½ may incur tax penalties. Surrender charges may apply during the contract period. Not a bank deposit. Not FDIC insured.
Why Independent Matters
I explain policy features, limits, and application steps in plain English.
I am not tied to one insurance company, so I can show you options from the carriers I work with.
I am the only licensed agent at Golden Years Protection. I review your options and handle your application myself.
I am licensed in 40 states, so I can help whether you live in Fort Worth or in another state on my license list.
Every consultation is free, and there is never any obligation or pressure to buy.
FREQUENTLY ASKED QUESTIONS
Common Questions About Working With Me
What does it mean to be an independent life and health agent?+
It means I am not tied to one insurance company. I can show you options from the carriers I work with and help you choose a policy based on your needs.
When did Golden Years Protection start?+
I started Golden Years Protection in August 2024, the same year I became a licensed life and health agent. Before that, I spent 18 years as a mortgage banker, for 20 years in financial services in total.
How many states are you licensed in?+
I am licensed in 40 states, so I can help families and business owners in Fort Worth, across Texas, and in the other states on my license list.
What is your NPN number?+
My National Producer Number (NPN) is #21207986. You can check my license status on the National Insurance Producer Registry (NIPR).
Do I have to pay for a consultation?+
No. Every consultation is free with no obligation. I will review your situation, explain your options in plain English, and give you an honest recommendation, whether you decide to move forward or not.
How do I get started?+
Call me at 682-254-1786, send the quote form, or book a time on the calendar below. I am the only licensed agent at Golden Years Protection, so I review your options and handle your application myself.
FREE QUOTE: NO OBLIGATION
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Ready to Get Started?
Call me at 682-254-1786 or send the quote form. No obligation, no pressure, just honest guidance.
Licensed in: AL, AZ, AR, CA, CO, CT, FL, GA, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI
JOE RANGEL AROUND THE WEB
Public profiles
These are the public profiles for Golden Years Protection:
For key business facts in one place, such as the licensed name, founding date, and licensed states, see Golden Years Protection: Key Facts.