Fort Worth, Tarrant County and DFW
I'm Joe Rangel, an independent insurance agent in Fort Worth, Texas. Through Golden Years Protection, I help families across Fort Worth, Tarrant County and DFW find life insurance, final expense, mortgage protection, and dental, vision and hearing coverage, with plain answers and no pressure.
Short answers to what most people ask before they call.
Families, retirees, military families, small business owners and commuters across Fort Worth, Tarrant County, Dallas County and North Texas.
Ten types: final expense, term life, whole life, mortgage protection, IUL, fixed annuities, key person, dental, vision and hearing, cancer, and critical illness.
One phone conversation about your goals and health. I look across a wide range of A-rated carriers, plus other highly rated companies, and walk you through the options that fit.
Yes. Requesting a quote and talking through your options is free, and there is no obligation to buy anything.
I have lived in DFW for about 22 years. Before I became a licensed agent in 2024, I spent 18 years as a mortgage banker, and 20 years in financial services overall. I started Golden Years Protection in August 2024.
The families I talk with in Fort Worth and Tarrant County usually ask the same two things: what coverage makes sense for my family, and how do I protect the people I love? Retirees, military families, small business owners and commuters often do not know what options exist or whether they would qualify. Those questions too often go unanswered. My job is to answer them in plain English.
Outside of work, I coach youth baseball and volunteer here in the community.
Each card links to a full guide. Start with the one that matches what you are trying to protect.
Small whole life policies sized for funeral and end-of-life costs, commonly $5,000 to $35,000 in coverage. Many use a few health questions instead of a medical exam; eligibility depends on the policy.
Who it fits
People in their 50s through 80s who want to spare their family the cost of a funeral.
A question I hear often
How much coverage is enough to handle a funeral here in Tarrant County?
Coverage for a set number of years, such as 10, 20 or 30, while you raise kids or pay down a mortgage. If you die during the term, your family receives the death benefit.
Who it fits
Working parents, homeowners and anyone with people who depend on their income.
A question I hear often
How many years of coverage do I need, and how much?
Permanent coverage that lasts your whole life as long as the policy stays in force, with cash value that builds over time and can be borrowed against.
Who it fits
People who want coverage that never runs out.
A question I hear often
Should I get term, whole life, or some of each?
Life insurance sized to your home loan. If you pass away, it pays a death benefit your family can use to pay off the rest of the mortgage and keep the home.
Who it fits
DFW homeowners, especially families with one main income.
A question I hear often
How much coverage would it take to pay off my home?
Coverage for checkups, fillings, glasses and hearing aids. These are limited benefit policies, not a substitute for major medical coverage.
Who it fits
Retirees and anyone without dental or vision coverage from work.
A question I hear often
What does dental, vision and hearing coverage actually pay for?
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.
Coverage on an owner or key employee that pays the business if that person dies, to help it keep running, pay debts or fund a buyout.
Who it fits
Fort Worth and DFW small business owners and partners.
A question I hear often
What would happen to my business if my partner or I died?
Pays a cash benefit to you after a covered cancer diagnosis, for travel, lost income or bills health insurance does not cover. A limited benefit policy.
Who it fits
Families with a history of cancer, or anyone worried about the extra bills a diagnosis brings.
A question I hear often
What costs does cancer coverage help with?
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.
Pays a lump sum after a covered heart attack, stroke or other listed illness, so you can focus on recovery. A limited benefit policy.
Who it fits
Working adults who could not easily miss months of pay.
A question I hear often
Which illnesses does a critical illness policy cover?
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.
Permanent life insurance with cash value that can earn interest linked to a stock market index. It is life insurance, not an investment.
Who it fits
People who want permanent coverage with flexible cash value.
A question I hear often
How is IUL different from whole life?
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. Not offered in California, Iowa or Minnesota.
A contract with an insurance company designed to protect your principal from market drops, with options to turn savings into income later.
Who it fits
People near or in retirement who want to protect savings and plan for income.
A question I hear often
How does a fixed annuity fit into a retirement plan?
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.
Work through the numbers before you call. Your results carry into your free quote request.
Add up debts, years of income and final costs to see a coverage amount that fits your family.
Live now on the term life page
Choose the services you want for a funeral and see a coverage amount to match.
Planned for the CRO stage
Results will carry into your free quote request
Enter your loan balance and years left to see how much coverage would keep the home in the family.
Planned for the CRO stage
Results will carry into your free quote request
Five quick questions that point you to the two or three coverage types worth a closer look.
Planned for the CRO stage
Results will carry into your free quote request
Many DFW homeowners do not know mortgage protection exists. If the person who earns most of the income dies, the mortgage payment does not stop.
Mortgage protection is life insurance sized to your home loan. If you pass away, it pays a death benefit your loved ones can use to pay off the remaining balance, so a surviving spouse can keep the home instead of moving or changing the way the family lives. It is one of the most common conversations I have with Fort Worth homeowners.
Four steps, all by phone, from home.
1
Request a free quote online or call 682-254-1786.
2
I ask about your goals, your family and a few health questions.
3
I walk you through the options that fit, in plain English.
4
If something fits, you apply by phone with my help. If not, no pressure.
If one of these sounds like you, the linked guide is a good place to start.
Want funeral costs handled so the kids are not left with the bill.
Just bought a home and want the mortgage and the kids covered if something happens.
Weighing what coverage to keep or add when service coverage changes or ends.
Need the business to survive if an owner or key employee dies.
Worried a past diagnosis rules them out. Often, there are still options to look at.
Clients call from all over Fort Worth, Tarrant County and the wider DFW and North Texas area. These are the areas I serve most.
Looking for coverage elsewhere in the state?
"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!"
No. Golden Years Protection is based in Fort Worth, but everything happens by phone, so there is no office to drive to. You talk with me directly at 682-254-1786 from wherever you are in DFW.
Often, yes. Many policies, especially final expense, use a few health questions instead of a medical exam. Eligibility depends on the policy and your health, and I can tell you which options fit your situation before you apply.
A common starting point is enough to pay off the mortgage and other debts, replace several years of income, and cover final costs. The term coverage estimator on the term life page walks you through that math step by step.
Term life covers you for a set number of years, such as 20 or 30. Whole life lasts your entire life as long as the policy stays in force, and builds cash value. Many Fort Worth families use term for the working years and a smaller whole life or final expense policy for later.
Mortgage protection is life insurance sized to your home loan. If you pass away, it pays a death benefit to the loved ones you name, and they can use it to pay off the remaining mortgage balance and stay in the home.
No. Along with life insurance and fixed annuities, I help with dental, vision and hearing, cancer and critical illness coverage. Those health lines are limited benefit policies, not a substitute for major medical coverage.
Yes. I am a licensed agent in Texas and 39 other states, NPN 21207986. You can confirm any agent's license with the Texas Department of Insurance.
All of Fort Worth and Tarrant County, plus Dallas, Grand Prairie, Plano, Frisco, Weatherford, Burleson and the rest of North Texas. Everything happens by phone, from home.
Monday through Thursday, 9 AM to 5 PM, and Friday, 9 AM to 3 PM, Central time. Closed weekends. You can request a free quote online anytime.
Talk with a licensed Fort Worth agent about what fits your family. Free, and no obligation.
Golden Years Protection, Joe Rangel, licensed agent. Serving Fort Worth, Tarrant County and DFW by phone.