Austin, Travis County and Central Texas
Austin life insurance agent for professionals and growing families
I'm Joe Rangel, a Texas-licensed independent agent who helps Austin households plan life insurance. Through Golden Years Protection, I work with Austin professionals, founders and families by phone or video. Term life, key person coverage and mortgage protection are common starting points for Austin households. You get plain-English answers and no pressure.
- Licensed agent
- NPN 21207986
- Based in
- Fort Worth, serving Austin by phone or video
- Experience
- 20+ years in financial services. Insurance agent since 2024.
- Hours
- Mon to Thu 9 to 5, Fri 9 to 3 Central
Austin at a glance
What the numbers say about Austin households
Public figures that shape how Austin families and professionals think about coverage.
- 1.0Mpeople live in the city of AustinCensus estimate, July 2025
- $555,300median value of an owner-occupied home in AustinCensus, 2020 to 2024
- 59.6%of Austin adults 25 and older hold a bachelor's degree or higherCensus, 2020 to 2024
- 51%of adults nationwide report owning some life insurance, through work or on their ownNational figure, LIMRA, 2025
Sources: U.S. Census Bureau QuickFacts, Austin and LIMRA and Life Happens, 2025 Facts About Life Insurance.
Coverage
Coverage for a growing, high-income city
Home values and incomes run high in Austin, so the amount of coverage matters as much as the type. Tap any card for the full Austin-friendly guide.
Term Life
Income protection for the years people depend on you, sized to a large mortgage or a high salary.
Read about term lifeMortgage Protection
Coverage matched to a large Austin home loan, so the house stays in the family.
How mortgage protection worksKey Person
Coverage that helps a startup or small company keep going after losing a founder or key employee.
Read about key person coverageIndexed Universal Life
Permanent coverage with flexible cash value for long-range planning.
Read about IULWhole Life
Coverage for life that also grows cash value, a fit for long horizons.
Read about whole lifeFixed Annuities
Shield a nest egg from market swings and turn it into steady income later.
Read about fixed annuitiesFinal Expense
Small policies that cover funeral and end-of-life bills.
Read about final expenseDental, Vision, Hearing
Limited benefit help with checkups, glasses and hearing care.
Read about dental, vision and hearingCancer
Cash paid to you after a covered cancer diagnosis, to use as you choose.
Read about cancer coverageCritical Illness
One payment if a covered heart attack, stroke or listed illness interrupts your work.
Read about critical illness coverageIndexed 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. Not offered in California, Iowa or Minnesota.
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. Not offered in California, Iowa or Minnesota.
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.
By life stage
Where Austin households usually start
Founders and partners
If a founder or key engineer dies, a young company can stall. Key person coverage pays the business, and life insurance can fund a buy-sell agreement between partners.
Professionals with group life at work
Group life at work is often a set multiple of salary and may end when you change jobs. A policy you own stays with you from one employer to the next.
New homeowners
With home values this high, a mortgage can outlast a single income. Coverage sized to the loan helps your family keep the house.
Renters and young couples
More than half of Austin homes are rented. Life insurance protects the people who rely on your paycheck, whether or not you own a home.
Pre-retirees
Plan retirement income, protect savings from market drops, and set aside coverage for end-of-life bills.
How it works
How working with me looks from Austin
No office visit. Everything happens by phone or video, on your schedule during business hours.
- 1
Reach out
Send a request online, or call 682-254-1786 between meetings.
- 2
Talk it through
I ask about your goals, your income, your family and a few health questions.
- 3
See your options
I lay out the choices that fit your income and goals, without jargon.
- 4
You choose the pace
Apply with my help when one fits. Walk away if none does.
I already have life insurance through work. Is that enough?
For most Austin families, work coverage alone falls short. Group life is usually a set multiple of salary, and it can end when you leave the job. I compare what your family would need with what work provides, then look at a policy you own to cover the gap.
Communities I serve
Austin and Central Texas
I work with families across Central Texas by phone or video. Every city name links to its official city website.
Home base? Visit my Fort Worth page Looking statewide? Visit the statewide Texas page
Google reviews
What clients say
"Joe was very knowledgeable and helped my family find the right coverage for us. He provided excellent service and responded quickly. Highly recommend!!"
"I'm thoroughly impressed with Joe's expertise and guidance in finding the perfect life insurance options for my husband and me. He made the entire process seamless and stress-free!"
Questions
Austin coverage questions
Do you have an office in Austin?
No. Golden Years Protection is based in Fort Worth, and I work with Austin families by phone or video, so there is no office to visit. Call 682-254-1786 and you work with me from start to finish.
How much life insurance do I need with an Austin mortgage?
Start with the mortgage balance, then add other debts, several years of income and final expenses. Subtract savings and any coverage you already have. With home values as high as they are in Austin, many families find group life at work covers only part of that number.
Does my startup need key person insurance?
If the company depends on one or two people to keep running, raise money or close deals, key person coverage is worth a look. It pays the business if that person dies. Investors and lenders sometimes ask about it. Bring your attorney and CPA in for the legal and tax side.
Can a high earner get coverage in the millions?
Often, yes. Seven-figure term coverage is possible for many applicants, based on income, health and need. The insurance company looks at what your income replaces. I help you size it and walk through underwriting by phone or video.
Term or whole life: which suits an Austin professional?
Term life runs for a fixed stretch, often 10, 20 or 30 years, and pays only if you die within it. Whole life stays in place for your whole life while the policy is in force, and it grows cash value. Plenty of Austin households pair the two.
Are you licensed in Texas?
Yes. I am a licensed insurance agent in Texas and 39 other states, NPN 21207986. My hours are Monday through Thursday, 9 AM to 5 PM, and Friday, 9 AM to 3 PM, Central time. Closed weekends. You can reach out online anytime.
Keep exploring
More from Golden Years Protection
Want a second set of eyes on your coverage?
A first call is free and commits you to nothing. You reach me, not a call center.