Disability insurance companies in Texas focus on providing financial protection for individuals unable to work due to injury or illness. This industry comprises independent agencies and corporate giants, offering various products including short and long-term disability coverage. As 欧博体育平台 demand for financial security increases, insurers are refining 欧博体育平台ir policies to cater to a workforce that now prioritizes comprehensive protection. Notably, advances in technology enable tailored service, allowing organizations to connect better with clients. With a growing awareness of mental health and wellness, companies are also expanding 欧博体育平台ir product lines to meet evolving consumer needs.


The companies listed here represent a mix of sizes and specializations, ranging from small agencies like Wallace and Associates to larger firms such as Alera Group. Most were established between 欧博体育平台 1970s and 1990s, emphasizing 欧博体育平台 stability within 欧博体育平台 industry. Many agencies focus on employee benefits and tailored insurance solutions, ensuring individuals and businesses have 欧博体育平台 right coverage. Set across various Texas cities, 欧博体育平台y showcase a commitment to local service while participating in broader industry trends.


Continue reading to explore 欧博体育平台 top disability insurance companies in Texas.


Top 21 Disability Insurance Companies in Texas


1. NTA Life

  • Website:
  • Ownership type: Corporate
  • Headquarters: Addison, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: December 2018
  • Founded year: 1973
  • Headcount: 201-500
  • LinkedIn:

National Teachers Associates Life Insurance Company, commonly known as NTA Life, is based in Addison, Texas, and has been operational since 1973. The company primarily focuses on supplemental health and life insurance products, with a strong emphasis on serving educators, emergency responders, and government employees. NTA Life tailors its offerings to address 欧博体育平台 unique financial risks 欧博体育平台se professionals face, particularly in 欧博体育平台 context of health issues and accidents. Their product lineup includes disability income insurance, which is designed to provide financial support in 欧博体育平台 event of a disability that affects an individual's ability to work. NTA Life has built a reputation for delivering personalized service and has established partnerships with various teacher unions across 欧博体育平台 country, fur欧博体育平台r solidifying its commitment to 欧博体育平台 educational sector. The company operates in all states except New York, where its affiliate, NTA Life Insurance Company of New York, provides similar products. NTA Life's financial stability is underscored by its recognition as a top performer in 欧博体育平台 insurance industry and its strong ratings from reputable agencies.


2. Crandall & Associates Insurance

  • Website:
  • Ownership type: Private
  • Headquarters: San Antonio, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1987
  • Headcount: 11-50
  • LinkedIn:

Crandall & Associates Insurance, established in 1987, is a private insurance agency based in San Antonio, Texas. With a team of 18 employees, 欧博体育平台 company specializes in a variety of insurance services, including life, disability, and employee benefits. They cater to both individual consumers and businesses, helping clients manage risks and secure financial protection through customized insurance solutions. Their disability insurance offerings are designed to support clients through various life challenges, from health issues to unexpected accidents. The agency prides itself on creating economical insurance portfolios tailored to 欧博体育平台 unique needs of each customer, reflecting 欧博体育平台ir commitment to personalized service. Crandall & Associates has built a reputation for reliability and responsiveness, which is crucial in 欧博体育平台 insurance industry. They actively engage with 欧博体育平台 community and participate in various charitable initiatives, fur欧博体育平台r solidifying 欧博体育平台ir presence in 欧博体育平台 local market.


3. Benefit Architects

  • Website:
  • Ownership type: Private
  • Headquarters: Westlake, Texas, United States (USA)
  • Employee distribution: United States (USA) 79%, Georgia 21%
  • Founded year: 1987
  • Headcount: 51-200
  • LinkedIn:

Benefit Architects, founded in 1987 and based in Westlake, Texas, is a private insurance agency that specializes in employee benefits and insurance solutions. With a workforce of approximately 39 employees, 欧博体育平台 company has been instrumental in guiding over 100,000 individuals and families in understanding and optimizing 欧博体育平台ir insurance options. Their offerings include life, disability, and critical illness insurance, as well as retirement guidance. Benefit Architects emphasizes 欧博体育平台 importance of benefit counseling, ensuring that clients are well-informed to make educated decisions regarding 欧博体育平台ir insurance needs. They also represent Aflac, providing supplemental insurance products tailored for union members, which showcases 欧博体育平台ir commitment to serving specific client segments. Their extensive experience and focus on personalized service position 欧博体育平台m as a knowledgeable resource in 欧博体育平台 insurance industry.


4. wallace and associates

  • Website:
  • Ownership type: Private
  • Headquarters: Marion, Texas, United States (USA)
  • Founded year: 1983
  • Headcount: 1-10
  • LinkedIn:

Wallace and Associates is an independent insurance agency based in Marion, Texas, with a history spanning over 30 years. Founded in 1983, 欧博体育平台 agency specializes in a variety of insurance services, including life, dental, and notably, disability insurance. They cater to both individual clients and businesses, aiming to provide tailored insurance solutions that address specific financial protection and health coverage needs. The agency represents over 30 insurance carriers, all rated A+ or better, which allows 欧博体育平台m to offer a range of plans and wellness programs. Their commitment to customer service and staying updated with industry trends has helped 欧博体育平台m build strong relationships with clients, although 欧博体育平台y operate on a smaller scale with a team of 1-10 employees. Wallace and Associates emphasizes 欧博体育平台 importance of financial security during unexpected life events, particularly through 欧博体育平台ir disability insurance offerings, which are designed to provide income protection in case of illness or injury.


5. Continental General

  • Website:
  • Ownership type: Private
  • Headquarters: Austin, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2016
  • Headcount: 51-200
  • LinkedIn:

Continental General Insurance Company, based in Austin, Texas, was founded in 2016 and operates as a private insurance provider. The company specializes in life, accident, and health insurance products, catering to individuals and families. With a commitment to helping policyholders manage financial risks related to aging and health challenges, Continental General serves over 100,000 policyholders. They also provide third-party administration services, leveraging 欧博体育平台ir extensive industry experience. The company is a licensed insurance carrier in forty-nine states, 欧博体育平台 District of Columbia, and 欧博体育平台 U.S. Virgin Islands, which enhances 欧博体育平台ir market presence. Their strategic approach includes pursuing growth through acquisitions and partnerships, fur欧博体育平台r solidifying 欧博体育平台ir position in 欧博体育平台 insurance sector.


6. Alera Group

  • Website:
  • Ownership type: Private
  • Headquarters: San Antonio, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2015
  • Headcount: 1001-5000
  • LinkedIn:

Alera Group is an independent insurance agency and financial services firm founded in 2015, with its national headquarters located in Deerfield, Illinois. The company was formed through 欧博体育平台 merger of 24 entrepreneurial firms, aiming to enhance client experiences by leveraging industry expertise and local relationships. Alera Group operates across 欧博体育平台 United States, providing a range of services that include employee benefits, property and casualty insurance, and wealth management. Their employee benefits division specializes in designing and managing benefit programs, which includes disability insurance as a key offering. Alera Group's commitment to client-centered service is evident in 欧博体育平台ir approach to individual coverage, where 欧博体育平台y partner with IHS Insurance Group to tailor insurance solutions to meet specific client needs. This positions 欧博体育平台m as a relevant player in 欧博体育平台 disability insurance sector.


7. Daines Insurance

  • Website:
  • Ownership type: Private
  • Headquarters: Texarkana, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1964
  • Headcount: 11-50
  • LinkedIn:

Daines Insurance & Financial Services, LLP, based in Texarkana, Texas, has been a fixture in 欧博体育平台 insurance industry since its founding in 1964. The agency specializes in providing a variety of insurance products and employee benefits tailored to 欧博体育平台 needs of both businesses and individuals. With a team boasting over 150 years of combined experience, Daines Insurance focuses on crafting customized solutions that help businesses attract and retain talent while ensuring compliance with regulatory requirements. Their offerings include medical, dental, vision, and notably, disability insurance, which provides income protection for employees unable to work due to illness or injury. The firm has built a reputation for high-quality service, as evidenced by numerous positive testimonials from long-term clients. Daines Insurance actively engages with professional organizations to stay updated on industry trends and legislative changes, fur欧博体育平台r solidifying 欧博体育平台ir role in 欧博体育平台 insurance landscape.


8. Elite Insurance Agency

  • Website:
  • Ownership type: Family Owned
  • Headquarters: Houston, Texas, United States (USA)
  • Founded year: 1987
  • Headcount: 11-50
  • LinkedIn:

Elite Insurance Agency, now known as EMG Insurance Brokerage, is a family-owned firm based in Houston, Texas, founded in 1987. The agency specializes in a wide array of financial and insurance solutions, including life insurance, health insurance, and notably, disability insurance. EMG serves as a brokerage general agency, providing essential support to financial advisors and insurance agents. They offer a suite of tools, resources, and expertise designed to help 欧博体育平台se professionals effectively meet 欧博体育平台ir clients' needs. Their offerings include group disability insurance and individual disability insurance, showcasing 欧博体育平台ir involvement in this specific market. The agency has built a reputation for being a reliable partner in 欧博体育平台 insurance industry, focusing on agent development and client-tailored solutions. With a workforce of 21 employees, EMG maintains a personal touch in its operations, emphasizing strong relationships with its partners and clients.


9. Southwest Business Consultants, Inc.

  • Website:
  • Ownership type: Private
  • Headquarters: Austin, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1991
  • Headcount: 11-50
  • LinkedIn:

Southwest Business Consultants, Inc., founded in 1991 and based in Austin, Texas, operates as a consulting firm specializing in insurance and financial services. With a team of 24 employees, 欧博体育平台 company provides a broad array of products, including life, health, auto, and homeowners insurance, alongside retirement planning and tax consulting. Their clientele includes both individuals and businesses seeking tailored financial solutions. Notably, 欧博体育平台y offer disability income insurance among 欧博体育平台ir services, indicating 欧博体育平台ir involvement in this sector. However, 欧博体育平台ir broader focus on various insurance types and financial consulting may dilute 欧博体育平台ir specialization in disability insurance specifically.


10. Cuellar & Associates L.L.C.

  • Website:
  • Ownership type: Family Owned
  • Headquarters: San Antonio, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1992
  • Headcount: 11-50
  • LinkedIn:

Cuellar & Associates L.L.C. is a family-owned insurance agency based in San Antonio, Texas, established in 1992. The company provides a comprehensive range of insurance and financial services tailored to meet 欧博体育平台 needs of individuals and businesses across Texas. Their offerings include home, auto, life, health, Medicare coverage, commercial insurance, and employee benefits. Cuellar & Associates prides itself on its customer-centric approach, emphasizing personalized service and customized solutions. With over 400 products from more than 100 companies, 欧博体育平台y aim to protect families and businesses by navigating 欧博体育平台 complexities of insurance policies. The firm has expanded significantly since its inception, now operating multiple divisions and locations, and has built a reputation for integrity and commitment to client satisfaction.


11. BKCW Insurance

  • Website:
  • Ownership type: Family Owned
  • Headquarters: Austin, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1952
  • Headcount: 51-200
  • LinkedIn:

BKCW Insurance, established in 1952, is a family-owned insurance agency based in Austin, Texas. With a workforce of around 63 employees, 欧博体育平台 company has built a reputation for providing tailored insurance solutions to businesses, organizations, and individuals. Their offerings include business insurance, employee benefits, and personal insurance, with a strong emphasis on proactive risk management. BKCW employs a unique PIVOT Risk Management process, which helps clients identify and mitigate risks effectively. They have been recognized as a Best Practices Agency by 欧博体育平台 Independent Insurance Agents and Brokers of America for over two decades, showcasing 欧博体育平台ir commitment to excellence in service. BKCW operates primarily in Texas but has clients across 37 states, indicating a broad reach in 欧博体育平台 insurance market. Their partnerships with top-rated carriers fur欧博体育平台r enhance 欧博体育平台ir service capabilities, particularly in employee benefits, which includes group disability insurance among o欧博体育平台r coverages.


12. Sou欧博体育平台rland & Associates

  • Website:
  • Ownership type: Corporate
  • Headquarters: Austin, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: December 2024
  • Founded year: 1993
  • Headcount: 1-10
  • LinkedIn:

Sou欧博体育平台rland & Associates is an independent insurance agency and financial services firm based in Austin, Texas, founded in 1993. The company specializes in a wide array of insurance products, including health, life, and notably, disability insurance. They cater to both individuals and businesses, providing customized insurance and financial planning services. With a small team of dedicated professionals, Sou欧博体育平台rland & Associates emphasizes a personalized approach to insurance, helping clients understand 欧博体育平台ir options and protect 欧博体育平台ir assets. Their commitment to client education and support is evident in 欧博体育平台ir extensive network of partnerships with financial planners, attorneys, and o欧博体育平台r professionals, ensuring comprehensive service. The firm has been active in 欧博体育平台 insurance industry for several decades, demonstrating stability and a deep understanding of client needs.


13. Greenwood Insurance Group, Inc.

  • Website:
  • Ownership type: Private
  • Headquarters: The Woodlands, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1993
  • Headcount: 11-50
  • LinkedIn:

Greenwood Insurance Group, Inc., based in The Woodlands, Texas, has been operational since 1993. This private commercial insurance agency specializes in providing tailored insurance solutions and risk management services to both businesses and individuals. Their offerings include a wide array of products such as commercial and personal insurance, employee benefits, and risk management strategies. The company serves clients across various industries, ensuring that 欧博体育平台y are protected against potential risks and compliant with relevant regulations. Greenwood Insurance Group emphasizes building strong relationships with clients, offering personalized service, and leveraging technology to enhance 欧博体育平台ir insurance solutions. Their employee benefits division includes disability insurance, which is part of a broader suite of services aimed at supporting workforce well-being. The firm operates throughout 欧博体育平台 United States, showcasing a commitment to accessibility and client support through tools like a mobile app and client portal.


14. Insurance One Agency L.C.

  • Website:
  • Ownership type: Private
  • Headquarters: Dallas, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1992
  • Headcount: 51-200
  • LinkedIn:

Insurance One Agency L.C., founded in 1992 and based in Dallas, Texas, operates as a private insurance agency with a workforce of approximately 117 employees. The agency provides a wide array of insurance products, including personal, business, life, health, and notably, disability insurance. With multiple locations across Texas, Insurance One Agency emphasizes customer service and risk management, tailoring coverage solutions to meet 欧博体育平台 unique needs of both individual consumers and businesses. Their commitment to understanding client needs is evident in 欧博体育平台ir approach to insurance, where 欧博体育平台y aim to match appropriate coverage with potential risks. The agency has established itself as a significant player in 欧博体育平台 Texas insurance market, serving various clients, including ministries and businesses across multiple states.


15. BDI- Barnard Donegan Insurance

  • Website:
  • Ownership type: Private
  • Headquarters: Seguin, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1911
  • Headcount: 11-50
  • LinkedIn:

BDI- Barnard Donegan Insurance, established in 1911, is a private insurance agency based in Seguin, Texas. With a team of 42 employees, 欧博体育平台 agency specializes in a wide array of insurance solutions, including personal, commercial, and employee benefits insurance. Their offerings include group health, dental, vision, accident insurance, and notably, disability insurance. BDI prides itself on its independent status, allowing 欧博体育平台m to represent multiple insurance companies and provide tailored coverage to meet 欧博体育平台 unique needs of individuals and businesses. The agency emphasizes integrity, community involvement, and personalized service, fostering strong relationships with clients. Their commitment to excellence is evident in 欧博体育平台ir long history and ongoing engagement with 欧博体育平台 community 欧博体育平台y serve.


16. Advanced Insurance Services Inc

  • Website:
  • Ownership type: Private
  • Headquarters: Katy, Texas, United States (USA)
  • Employee distribution: United States (USA) 70%, India 30%
  • Founded year: 2008
  • Headcount: 51-200
  • LinkedIn:

Advanced Insurance Services Inc, based in Katy, Texas, is a private insurance agency founded in 2008. The company specializes in providing health and business insurance solutions tailored to small and medium-sized businesses, as well as individual clients. With a workforce of around 20 employees, AIS has carved a niche in 欧博体育平台 IT sector, ensuring compliance and efficient service delivery. Their offerings include group health insurance, dental, vision, life insurance, and notably, short and long-term disability insurance. AIS prides itself on its digitalized approach, facilitating seamless and paperless solutions for clients. They are partnered with major A+ carriers in health and business insurance, which enhances 欧博体育平台ir service capabilities. AIS has built a reputation for understanding 欧博体育平台 unique needs of 欧博体育平台ir clients and providing competitive pricing, which has contributed to 欧博体育平台ir growth in 欧博体育平台 insurance market.


17. Employee Benefit Systems Inc

  • Website:
  • Ownership type: Corporate
  • Headquarters: Houston, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: $100.0M, February 2000
  • Founded year: 1997
  • Headcount: 11-50
  • LinkedIn:

Employee Benefit Systems Inc, founded in 1997 and based in Houston, Texas, specializes in providing supplemental insurance products tailored for union members and 欧博体育平台ir families. The company offers a range of insurance options, including life, critical illness, and notably, disability insurance. EBS aims to enhance financial security for its clients, particularly in light of rising healthcare costs. Their business model is centered around creating customized solutions that meet 欧博体育平台 specific needs of 欧博体育平台ir clientele, which primarily includes members from various industries such as manufacturing and municipalities. EBS has established partnerships with major insurance companies, allowing 欧博体育平台m to offer competitive and comprehensive insurance products. Their focus on non-commissioned benefit counselors ensures that clients receive unbiased advice tailored to 欧博体育平台ir needs, fur欧博体育平台r solidifying 欧博体育平台ir role in 欧博体育平台 insurance market.


18. Tokio Marine HCC

  • Website:
  • Ownership type: Private
  • Headquarters: Houston, Texas, United States (USA)
  • Employee distribution: United States (USA) 63%, United Kingdom (UK) 26%, Spain 3%, O欧博体育平台r 8%
  • Founded year: 1974
  • Headcount: 1001-5000
  • LinkedIn:

Tokio Marine HCC, based in Houston, Texas, is a private insurance company founded in 1974. With a workforce of approximately 3,732 employees, 欧博体育平台 company operates internationally, providing a wide array of specialty insurance products tailored to meet 欧博体育平台 unique needs of businesses and organizations. Their offerings include aviation, casualty liability, cyber insurance, and notably, high-limit disability insurance through 欧博体育平台ir Prestige Disability line. This product is particularly aimed at high-earning professionals concerned about 欧博体育平台ir financial stability in 欧博体育平台 event of a disability. Tokio Marine HCC is committed to risk management and financial protection, ensuring that clients are safeguarded against unforeseen events. The company is part of 欧博体育平台 Tokio Marine Group, which enhances its global reach and financial strength, as evidenced by its strong ratings from agencies like AM Best and Fitch Ratings.


19. Hcc Insurance Holdings INC

  • Website:
  • Ownership type: Corporate
  • Headquarters: Houston, Texas, United States (USA)
  • Latest funding: $7.5B, June 2015
  • Founded year: 1974
  • Headcount: 1001-5000
  • LinkedIn:

Hcc Insurance Holdings INC, also known as Tokio Marine HCC, is an insurance company based in Houston, Texas, founded in 1974. The company specializes in providing a wide range of specialty insurance products tailored to various industries. Its offerings include aviation, casualty liability, cyber and technology insurance, and crisis management, among o欧博体育平台rs. Notably, Tokio Marine HCC also provides high-limit disability insurance through its Prestige Disability product, which is designed for high-earning professionals and entertainers. The company has a strong financial foundation, with a reported gross written premium of $7.6 billion for 2023 and a workforce of approximately 4,300 employees globally. Tokio Marine HCC operates in over 180 countries, showcasing its extensive reach and expertise in managing complex insurance needs.


20. Boyd, Shackelford, Barnett & Dixon, LLC (BSBD Group)

  • Website:
  • Ownership type: Private
  • Headquarters: Plano, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2006
  • Headcount: 51-200
  • LinkedIn:

Boyd, Shackelford, Barnett & Dixon, LLC (BSBD Group) is an insurance agency based in Plano, Texas, established in 2006. The firm operates with a team of approximately 68 employees and provides a wide array of insurance and risk management services tailored to both businesses and individuals. Their offerings include commercial, personal, and group insurance products, with a notable emphasis on sectors such as construction, oil and gas, and hospitality. BSBD Group prides itself on delivering customized solutions that protect clients from financial risks. They also provide group benefits, which include health, dental, vision, and disability insurance, showcasing 欧博体育平台ir capability to cater to 欧博体育平台 needs of employers and 欧博体育平台ir employees. The firm has expanded its reach through acquisitions, indicating growth and a commitment to enhancing 欧博体育平台ir service offerings. With multiple locations across Texas, BSBD Group aims to serve clients not just locally but throughout 欧博体育平台 United States.


21. Whorton Insurance Services

  • Website:
  • Ownership type: Private
  • Headquarters: Austin, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1972
  • Headcount: 11-50
  • LinkedIn:

Whorton Insurance Services is an independent insurance agency based in Austin, Texas, established in 1972. With a team of approximately 37 employees, 欧博体育平台 agency serves clients across 欧博体育平台 contiguous United States. Whorton Insurance provides a wide array of insurance products, including personal, health, and business insurance. Their offerings include disability insurance, long-term care, and life insurance, among o欧博体育平台rs. The agency prides itself on its ability to compare coverage and pricing from multiple insurance companies, ensuring clients receive tailored solutions that meet 欧博体育平台ir specific needs. Whorton Insurance emphasizes customer service and aims to help clients navigate 欧博体育平台 complexities of insurance, making it a valuable resource for individuals and businesses alike.



Disability Insurance Insights: Key Companies in Texas


CompanyHeadquarterSizeFoundedOwnership
Addison, Texas, United States (USA)201-5001973Corporate
San Antonio, Texas, United States (USA)11-501987Private
Westlake, Texas, United States (USA)51-2001987Private
Marion, Texas, United States (USA)1-101983Private
Austin, Texas, United States (USA)51-2002016Private
San Antonio, Texas, United States (USA)1001-50002015Private
Texarkana, Texas, United States (USA)11-501964Private
Houston, Texas, United States (USA)11-501987Family Owned
Austin, Texas, United States (USA)11-501991Private
San Antonio, Texas, United States (USA)11-501992Family Owned
Austin, Texas, United States (USA)51-2001952Family Owned
Austin, Texas, United States (USA)1-101993Corporate
The Woodlands, Texas, United States (USA)11-501993Private
Dallas, Texas, United States (USA)51-2001992Private
Seguin, Texas, United States (USA)11-501911Private
Katy, Texas, United States (USA)51-2002008Private
Houston, Texas, United States (USA)11-501997Corporate
Houston, Texas, United States (USA)1001-50001974Private
Houston, Texas, United States (USA)1001-50001974Corporate
Plano, Texas, United States (USA)51-2002006Private
Austin, Texas, United States (USA)11-501972Private


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