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Insurance shouldn't feel like a puzzle.

Most people know they need coverage — they just don't know where to start. We make that first step easy.

Licensed in Texas · No pressure · No jargon

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  • Life Insurance
  • Health Insurance
  • Cash-Value Life
  • Wealth Strategy
Who We're Here For

Real people. Real goals. Real guidance.

We work with families across Texas from every walk of life — people buying homes, raising children, building careers, supporting parents, and realizing it is time to take protection planning more seriously.

Curtis Life & Wealth was created for people who want straight answers, thoughtful guidance, and a trusted professional relationship. You do not need to have everything figured out. You do not need to be wealthy. You do not need to know the difference between term, whole life, universal life, disability coverage, or long-term care planning.

That is what we are here for. Straight answers from someone you can trust.

We help you understand your options, protect what matters, and make confident decisions for life, family, income, care, and legacy.

  • Families with young kids
  • Self-employed & freelancers
  • Pre-retirees (50+)
  • Mid-career professionals
  • Business owners
  • First-time insurance buyers
Real people, Real goals
Real people, Real goals
Real people, Real goals
Real people, Real goals
Why It Matters

Most families are one bad event away from a financial crisis.

These numbers come from LIMRA's 2024 Insurance Barometer study — an annual survey of American households.

Monthly Cost of $500K Term Policy

Healthy non-smoker · approximate averages · term vs. whole life

Sample rates only. Actual premiums vary by carrier, health, and underwriting.

Life Insurance Coverage Gap in the U.S.

LIMRA estimates 102 million Americans are uninsured or underinsured

  • No life insurance
  • Underinsured
  • Adequately covered
Source: LIMRA 2024 Insurance Barometer Study. U.S. adult households.
41%
of U.S. households have no life insurance
$9800
average funeral cost in the U.S. today
54%
of people say they'd be in financial trouble within 6 months if the primary earner died
$18/mo
approximate starting cost for a healthy 30-year-old's term policy
What We Offer

Coverage for every chapter of life

Life Insurance

If something happened to you tomorrow, would your family be okay financially? Life insurance helps make sure the answer is yes.

Learn more

Health Insurance

Medical bills are the leading cause of financial hardship in America. We help you find coverage that fits your budget and your household.

Learn more

Final Expense

The average funeral costs $9,000–$12,000. A small policy means your family handles the goodbye, not the bill.

Learn more

Cash-Value Life

Permanent life insurance that builds cash value over time — protection for your family plus a savings component you can access while you're alive.

Learn more

Wealth Strategy

You've worked hard to get where you are. Let's talk about protecting it — and growing it — in a way that makes sense for your actual life.

Learn more

Not sure where to start?

If something happened to you tomorrow, would your family be okay financially? Life insurance helps make sure the answer is yes.

Take the Quick Quiz
The Process

Three steps. No pressure. You're in control.

01

Tell Us What's on Your Mind

A few questions about your situation — no insurance jargon, no trick questions. Just honest answers to simple things.

02

See What Fits

We match your goals and budget to the types of coverage or planning conversations that actually make sense for you.

03

Talk to a Real Person

A licensed advisor walks you through your options. You decide what, if anything, to do next.

Your info stays yours

Your info stays yours. We only collect what's needed for your estimate. We never sell your data to third parties.

Client Stories

People like you, making moves they feel good about

"As a self-employed graphic designer, I had no idea what I was doing with health insurance. They helped me find a plan I could actually afford. First time I've had real coverage in three years."
Sofia R.
San Antonio, TX
"I'd been putting off life insurance for years because I didn't understand it. Curtis walked me through everything in plain language. I left with a policy that fits my budget and actually makes sense."
Marcus T.
Dallas, TX
"We're in our 50s and finally thinking seriously about what we're leaving behind. The wealth strategy conversation was eye-opening. No pressure, no sales pitch — just real talk."
David & Cheryl M.
Houston, TX
"As a self-employed graphic designer, I had no idea what I was doing with health insurance. They helped me find a plan I could actually afford. First time I've had real coverage in three years."
Sofia R.
San Antonio, TX

Start with a free estimate. No obligation.

Five quick questions. A real estimate. And a licensed advisor ready to answer whatever you're wondering about.

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Life insurance products are not bank deposits or FDIC-insured. Rates and availability vary by carrier and underwriting.