Austin · Texas
Life insurance in Austin, Texas
I’m Mark Snyder, an independent life insurance agent licensed in Texas. I help Austin families and professionals with two things: indexed universal life (IUL) for tax-advantaged permanent coverage on top of maxed-out 401(k) and Roth accounts, and final expense / burial insurance to cover funeral and end-of-life costs. Multiple A-rated carriers, plain-English advice on equity-comp situations, and never any pressure — handled simply by phone or video.
An independent agent — not a call center
Most life insurance you see advertised around Austin comes from giant call centers reading a script. I’m independent, which means I shop multiple A-rated carriers and recommend what genuinely fits — with the same agent from first call to issued policy. For the engineering and product folks in town who like to see the math: I’ll show you the AG 49-B-compliant illustration, walk through the assumptions, and tell you honestly if a product isn’t the right fit.
Who I help around Austin
I work with families across Austin, Round Rock, Cedar Park, Pflugerville, Georgetown, Leander, Buda, Kyle, and the broader Central Texas metro. Tech and product professionals (Apple, Tesla, Google, Indeed, Oracle, IBM — you know the names), growing families in the suburbs, retirees moving in from out of state, and small business owners running their own LLCs — everything is handled by phone or video on your schedule.
What I offer
Indexed universal life (IUL)
Permanent life insurance with tax-advantaged cash-value growth, a floor against market losses on indexed value, and flexible premiums — illustrated with real, AG 49-B carrier numbers, not inflated projections. Particularly relevant if you’ve maxed retirement accounts and want another tax-advantaged bucket.
Explore IULFinal expense & burial insurance
A small whole-life policy ($5,000–$25,000) built to cover your funeral, burial or cremation, and final bills. No medical exam on most plans, a rate locked for life, and money paid directly to your family — whether for you or for an aging parent.
Explore final expenseFor Austin tech professionals: where IUL actually fits
If you’re an engineer, PM, or operator at one of the big Austin employers, you probably already have an excellent benefits picture: high 401(k) match, Mega Backdoor Roth, HSA, ESPP, RSUs. IUL is not a replacement for any of that. Where it can genuinely help: after you’ve maxed the tax-advantaged buckets, IUL gives you another bucket with tax-advantaged growth and tax-free access via policy loans — useful for income smoothing in retirement and for hedging concentration risk in your employer’s stock. It’s also a useful place to put some of the cash from vested RSUs once you’ve hit your contribution limits. See IUL for retirement for the full breakdown, or IUL vs. Roth IRA for the direct comparison.
Licensed in Texas
Mark Snyder is a licensed life insurance agent in Texas (NPN 22163900), and also licensed in Nevada, California, and Arizona. Distance is no obstacle — we work by phone and video, so you get the same licensed agent from first call to issued policy.
Austin life insurance questions
Are you licensed in Texas?
Yes — I’m a licensed life insurance agent in Texas (NPN 22163900), and also licensed in Nevada, California, and Arizona.
Is an IUL worth it for an Austin tech professional?
Often, yes — that’s a common reason Austin engineers and product folks look at IUL once they’ve maxed their 401(k), Roth IRA, and Mega Backdoor. The unique value is tax-advantaged growth + tax-free access on top of qualified accounts, plus a permanent death benefit. Key is getting a real AG 49-B-compliant illustration with both guaranteed and non-guaranteed columns, not a marketing chart. See IUL for retirement.
What about RSUs and equity comp — does that change my life insurance picture?
Yes, in two ways. (1) If your household income is volatile because a big chunk is equity, term insurance gives you cheap protection for the years your family depends on it. (2) IUL can be a useful place to put cash from vested RSUs once you’ve hit retirement-account contribution limits, because growth is tax-advantaged and access is generally tax-free. Worth a 20-minute conversation to map it out specifically.
How much does life insurance cost in Austin?
It depends on your age, health, coverage type and amount, and the carrier. Because carriers price the same person differently, comparing several is the best way to get a fair rate — I’ll give you real numbers on a short call.
Talk to a licensed agent
No cost, no obligation — just honest answers from a licensed agent who serves Austin.
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